Buy a house after graduation! Is it good or bad? Take a look at these first.

It's graduation season again. Some people get married after graduation, and some people buy houses after graduation. It's really enviable!

For students with money at home, buy buy will buy it! Buy it in full!

For students from poor families, buying a house after graduation, forget it, buying a house still depends on themselves.

For students with moderate family conditions, buying or not is really a very tangled problem! For them, buying a house after graduation has both advantages and disadvantages:

Benefits:

1, some netizens think that in recent years, housing prices have been high, and there have been cases of not buying a house for one year and being busy for several years. If you can buy a house, buy it as soon as possible, otherwise it is still a question whether you can afford it in the future.

The premise of getting married now is to have a house. Buying a house early is conducive to falling in love and getting married.

Disadvantages:

1. Some netizens think that buying a house after graduation is, to put it bluntly, just like eating old people, and the cost of buying a house is high, which will increase family pressure and cause children's dependence on their parents.

Young people who just graduated are afraid to spend money and jump ship at will because of the pressure of mortgage. If individuals plan to travel to other cities or start businesses, mortgages and houses will become obstacles to a certain extent, and they feel trapped by houses and mortgages.

For the matter of buying a house after graduation, some people think it is good to have their own house, and they are happy to eat steamed bread porridge every day. Some people don't want to be bound by the house, which reduces the quality of life and likes a free life. In short, is it good or bad to buy a house after graduation? Look at the individual's actual situation and personal attitude towards this matter.

If you buy a house after graduation, you must pay attention to the following matters:

1. Define the house purchase plan.

Before buying a house, you must be clear about why you buy a house (buying a house, getting married, having children? Or is it used for single-cycle transition? ) and what impact buying this house will have on life. For people who are short of funds, buying a house is a major event that will affect their lives in the next five years or even 10 years. Therefore, when buying a house, they must take a long-term view. Imagine their living conditions in this house in the next five years or even 10 years, as well as uncertainties such as job changes and personnel migration in the next five years, and then go to see the house and choose the house, and you will know fairly well and not be picky.

2. Do what you can, don't "overdraw"

When buying a house, you must follow the family situation. The family situation here includes many things, such as their own work, parents' work, family income and expenditure, family health, feelings and so on. Different conditions have different effects on purchase and consumption. If these conditions are too unstable, it is not suitable for buying a house. In order to reduce the family financial risk, it is best not to exceed 30% of the family's monthly income by monthly mortgage loan, so that the purchase behavior will not have much impact on normal life.

3. Clarify the follow-up matters of house purchase.

Leaving school after graduation is itself a major change in life. Strive for the cause, strive for good performance in new jobs, and let young people have certain psychological pressure. If you buy a clean house, then the next renovation will be a major test for your body and mind. If you encounter overtime at work again, it will be really miserable.

Therefore, it is very clear for the newly graduated college students whether they can bear this series of heavy pressures. For the overtime workers who can't be busy, it is recommended to buy a small apartment with fine decoration and convenient transportation. Choose a house near the rail transit station, bus hub, or even work unit to reduce the journey home after overtime, and have more rest and sleep time, while buying a well-decorated house also saves the trouble of decoration.

Husband and wife should carefully consider buying a house in partnership.

Some couples buy houses in partnership; Or only one party pays the down payment, but the names of two people are written on the real estate license, so it must be treated with caution. The down payment for buying a house is made by parents, so be sure to consult your parents before writing your name. In addition, if the middle two fail to enter the marriage hall smoothly, it will involve a series of problems such as real estate division. Therefore, to buy a house together and write two names on the real estate license, we should be cautious and consider clearly in advance.