People who buy houses have become house slaves, so what have people who don't buy houses become?

People who buy houses have become house slaves, so people who don't buy houses have become hermit crabs.

Nowadays, many people like to buy a house and then a car, trying to make themselves a successful person with a house and a car. In this way, you will have more face when you go back to your hometown to face your relatives or friends.

however, I don't think so, which may make you laugh.

I'm from the countryside, and I have room to build a building at home, but I'm not going to build it or buy a house outside. The reason is simple: my children are 11 or 12 years old now, even if they build a house now, it's hard to guarantee whether they will like it when they get married 1 years later, so they simply don't want a building.

at present prices and wages, it will cost at least 6, ~ 7, to build a three-story building and decorate it well. And my practice is to rent a house. The general rental price is 3~4 yuan. I rent a bigger house and need 55 yuan. I need 7, yuan a year, 7, yuan for ten years, and 7, yuan is enough for us to live for 1 years. A building has been worn out after living for 2 years. Apart from leaving a familiar feeling, it is a shabby building that I can't help but abandon. When you are old, it is not far from leaving this world, no matter who owns the right to live in this building in the future.

I call my renting behavior a hermit crab, and I move in when I see a "house" that suits me.

I can't help answering this question. Many people say that the house is a bubble, so don't buy it. Because many people are flocking to it, the house price has been high. That's true, but is there any way you can not buy it? I don't think so. But look at those who bought it earlier and really earned it.

At present, among all the wealth management investment products, the house has the largest growth rate, so I won't give an example of the increase of high-end school districts like Beijing and Shanghai. After all, it's too far away, and it always feels unrealistic. Let's talk about what's around me.

I live in a county-level city, where the average house price is a little over 1, now. The community where my brother lives is the best in our county-level city. When my dad bought him a house in 26, it cost 68 yuan per square meter, which was sold out for more than ten years. Because he wanted to make a wedding room, he was reluctant to rent it out. He renovated it a few years ago. Last year, his brother got married and just went to live. Now it has risen to 18,, a full three times. But we bought a suite, and we won't sell it again. In fact, 68 is no different from 18, but we feel good and earn it.

The second example is my cousin. After graduating from college, she went to Asus in Suzhou with her husband, and bought two suites with a loan in Suzhou. I was tired of paying back more than 1, loans every month, but she said that she was happy to be a house slave. In five years, the value of the two suites increased by 1 million. Later, their family moved to Hangzhou, sold a suite in Suzhou, and easily bought a set of more than 3 million in Hangzhou. She doesn't go to work now, takes care of her children at home and occasionally buys and sells houses.

I'm a very late awakening. I've been waiting for the house price to drop, and I never thought about buying a house. Until my son went to kindergarten. I was anxious to see the school district house. I looked at it for a whole year before I found a set of second-hand houses I liked. But the school district is good, and the houses are newly renovated. They are sold in a bigger house after they get married and have children. The decoration doesn't need to be moved. Just buy some furniture and you can carry a bag. 71 square meters, 74, yuan, 1, yuan, paid a down payment of 3, yuan, and took out a loan of 44, yuan. After 15 years, it will still be about 4, yuan per month, and 8 yuan will be less every month.

after buying it, I am reluctant to rent it out, because our children have gone to school and we are coming to live. Besides, the furniture, pots and pans are all newly bought, so it has been vacant for two years and I just moved in this year. During this period, did an intermediary come to ask us to rent it? You can rent it for 2 a month. I said I don't rent it, I want to live by myself. Now this school district has risen to about 12,.

So is it a good deal to buy a house? If you have spare money, why not buy a house. Money in the bank will shrink, and it will be put in P2P. I don't know when it will storm, and other investment and financial management are not profitable. Only the house, at least a fixed asset, is still there even if it depreciates, and according to the current situation, the house is preserved and has room for appreciation.

so I think the house slave sounds quite pleasant. If I have money, my ultimate dream is to rent a woman and travel around the world by collecting rent every month. Haha, I think too much.

those who buy houses become house slaves, and those who don't buy houses become slaves of house slaves!

Because people who haven't bought a house have to rent a house from house slaves in the end, which is equivalent to helping these house slaves repay their loans.

My college classmate had a little money at home, so I bought him a suite in Changsha when he was in college. During his four years in college, this house was used for rent, and he could get a rental income of 2, yuan every month, which is the living expenses of his classmates for four years. Later, after graduation, my family said that if you were working now, you would have to pay your own mortgage every month, and he agreed. As a result, he lived in a house by himself and rented out the remaining two houses, and he could also receive a rent of 2, yuan every month. And the monthly payment of that house is less than 3 thousand yuan, so in fact, his own monthly mortgage expenditure is only a few hundred yuan.

And this is because the location of my classmates' own house is not very good, so the rent is not high. If it is the kind of house with a good location, basically you don't have to repay your mortgage after renting two rooms, and you can still live in a house for free.

Many people think that they will become slaves to the house after buying a house. No matter when they buy a house, they should consider the mortgage first, but in fact, the quality of life of most people has not obviously decreased after buying a house. After all, in many cases, renting a house also requires a lot of expenses, and in fact, as long as the down payment is made up, there is not much difference between the monthly payment and the rent, which is more so in big cities.

I remember a copywriter of the developer said that this is the case: you put your money in the bank, and as a result, someone borrowed your money to buy a house, then rented it to you, and asked you to help him pay the monthly mortgage!

Now you know what people who haven't bought a house are doing. They are all helping people who buy houses to pay their mortgages!

The word "house slave" has been used for some years, right? It was very popular at first, but it was less heard later. The reason is the change of people's concept. In the past, I saved enough money to buy a house. Later, I found that the speed of saving money could never keep up with the pace of house prices, and the money was depreciating more and more, so I changed my strategy and changed from saving money to lending, and my ideal was realized. I have a nephew who bought a house in 23. The second floor is over 8 square meters, over 18, yuan, with a down payment of 5, yuan and a balance loan of 1 years. Now it has been easy for many years. If you wait until you have enough money to buy it, I'm afraid you can't buy it now. At that time, it was not acceptable to be a house slave, because it went beyond people's traditional ideas. At that time, there were roughly two kinds of people who were house slaves. One was just needed, but not bought. One is a visionary, who foresees that house prices will rise, and can take advantage of the low house prices to buy several sets of loans and borrow the bank's money garden's own dream of making money. As a result, these people won, which also gave birth to more real estate speculators and made millions or even billionaires.

how much has the house price increased in the past ten years? Take the building where I live as an example. In 2, a 12-square-meter house sold for 22, yuan, in 23, the same house sold for 32, yuan, in 198, yuan and in 1988, it sold for 1.83 million yuan. The house was built in 1995. The age of the house bought earlier is only 5 years, and the age of the house bought last year has reached 24 years. Compared before and after, the price/performance ratio is clear at a glance.

since the emergence of the real estate market, there are still only two kinds of people who buy houses: those who just need them and real estate speculators. You can't buy what you just need, and you have to buy a loan on your back; Real estate speculation is not afraid of more money, even if there are risks, we must fight for it. In this case, there is little hope of a big drop in house prices, not to mention the constraints of building materials prices. Not long ago, it was also a question about the house. As I said, the general trend of house prices is steady and slightly lower. If you just need it, you will not regret when you buy it. Instead, you feel that you have made up your mind to buy it at that time.

under the condition of market economy, it is impossible for everyone to afford a house, that is to say, not everyone can afford to be a "house slave", whether you believe it or not, whether you can accept it or not, this is the reality.

Actually, it's a very simple question. Let's not discuss whether to buy a house or not.

Do you think pork will drop back to five yuan a catty? Will onion, ginger and garlic drop back a few cents? In fact, after careful calculation, many prices have exceeded the normal consumption level, just because most people don't care or pay attention to small consumption.

In China, there are many people who have no real estate. Secondly, how many people have real estate in rural areas or towns? Don't always talk about building houses in rural areas. Our country has been developing and progressing. Sooner or later, the rural population will merge with towns, towns and counties, and counties and cities. Population mobility is a necessary factor for the development of the country. If you don't want to leave, the country has plenty of ways to drive you away. It is better to enter the big city early than to rush to the big city passively. In the final analysis, it is actually inertia. Too many people think that the quality of life of their younger generation has nothing to do with themselves. But in fact, even if it is only a little progress, it is also a huge wealth. It's just that some people are eager to lose all their property, be a moonlight family and be a neet. The country is developing and progressing, but people's thinking is regressing. Thought determines success or failure.

buying a house may not get better and better, but those who don't buy a house will not get better and better. Those who have a house may not have money, but those who have no house must have no money.

People who buy houses are all mixed up as house slaves, and they work hard and dare not relax, which makes them look like hard work. Those who don't buy a house are all mixed up with chic and nothing, and live with a guilty conscience. It's all hard work, one is physical and the other is psychological, just different.

People who borrow money to buy a house are nicknamed house slaves, that is, people who work for the house, because they have to pay the monthly mortgage. However, as far as the actual situation is concerned, after five years, the house slaves will not actually have a bad life.

first of all, as far as the current house price is concerned, although there is no sharp rise like that in the previous two years, there will be no such situation as a house collapsing. Let's just say that even if the house price falls, those who should not be able to pay the full amount will still be unable to pay the full amount. Moreover, we must also understand that the purpose of controlling housing prices now is mainly to curb some people's real estate speculation and prevent the property market from flowing into too much capital, and then cause some opportunistic people who have no economic strength to speculate excessively and have a real estate bubble, rather than deliberately suppressing housing prices.

As far as the actual situation is concerned, the current house price is a normal price. For those young people who have just graduated, it must be very difficult to pay four or five thousand yuan a month. However, for those families who have graduated for two or three years and are already married, the pressure of paying four or five thousand yuan a month is not so great. You know, now the salary tax is 5 thousand, which means that in the future, most people's salary will not be less than 5 thousand, which is almost a standard to measure the price of housing. Let's just say that people who bought a house ten years ago feel that it is more difficult for them to pay two or three thousand yuan a month than to rent a house. I'm afraid that if you rent a house for a month now, it will cost you two or three thousand yuan. This is the reality. Similarly, it will develop in this direction in five years. Because there is a key factor here, that is, prices are rising, and the currency means depreciation, while the monthly supply has not changed. However, people who buy a house in the future may not have the same monthly payment, because there is no fixed interest rate now, that is, floating interest rate. Then you say, why do banks engage in such floating interest rates? It's not just to prevent the devaluation of the currency from causing greater losses to themselves in the future.

The same person who doesn't buy a house is not less stressed by his guilty conscience and self-confidence than a buyer. Although he lived freely when he was young, the more he lived, the more guilty he would feel, especially after he got married and had children. At that time, you may be worried all day long about finding a house and moving to raise the rent. This kind of day will not only make others look down on you, but also make you look down on yourself. This kind of day will become more and more serious.

House slave seems to be a derogatory term. Without that Jin Gangzuan, he took this porcelain job, working hard to make money every month, not to mention, tightening his belt in life, refusing all invitations to go out and spend money, without any entertainment activities, and living in slavery every day. The pressure is so great that people are desperate.

Since house slaves are so miserable, why do so many people choose to be house slaves?

I want to buy a house, but I have no money. This is a very realistic thing.

As a good youth in the new era, we are optimistic and work hard, working six days from nine to nine, but most people's wages are less than 1/2 or even 1/3 of the local house price. In addition, their families are not rich, they are all poor, and their parents have worked hard to provide them for the university. How can there be any savings to buy a house in full?

if you can't buy it, and you have a strong need, you can only pay off the mountain-like mortgage. Nowadays, young people, mortgage and car loan are like the two mountains in front of Yu Gong's house and Taihang Mountain in the fable. What else can they say? For a better life, move, move is right!

However, it is this longing for a better life that made the former house slaves make a very correct decision.

Looking back at the current time node, the vast majority of buyers did not say that they earned a lot of money, but at least they completed a wave of asset appreciation. At this time, people who did not buy a house in those years were unhappy. Why? They are just lucky.

In fact, the house price is such an uncertain thing. With this fund, the courage, the ability to repay, and the willingness to bear the pressure, the house slaves finally got the dawn and sang a song about turning over serfs. Some friends may not understand the meaning of leverage, so let's have a good chat in vernacular.

in 22, the first ring road in Chengdu was 13 square meters, and the down payment was 7%. Mr. A was under the pressure from family and life, and his teeth were almost broken. He bought this house with cruel heart, and the mortgage should be paid off within 3 years.

In 22, the average wage in Chengdu was 917 yuan. Mr. A had to repay 3 yuan every month, leaving 6 yuan and his wife's meager salary. The whole family lived a frugal diet. At that time, Mr. A felt that there was no hope in the future. His wife scolded him for being sick all day, and there was great pressure to buy this house. The whole family was even more afraid of being sick, for fear that the capital chain would break and the loan could not be repaid.

However, in any case, Mr. A's life has passed. After 17 years, in 219, Mr. A still needs to repay 3 yuan's "huge loan" every month, and he will pay back this "huge loan" for another 14 years. ......