Why do buyers become winners in life and savers become jokes?

In the past two years, house prices have skyrocketed, and many people think so: those who save money are fools, those who sell houses and start businesses are the worst losers, and those who buy more houses are the most prosperous!

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In fact, in the past two years, there have indeed been many true stories that make people laugh and cry:

For example, a listed company successfully protected its shell by selling two sets of degree rooms;

For example, the profit of a listed company for one year is not as good as the increase of a suite;

Another example is a news that broke the circle of friends in September this year. A woman in Xiamen deposited 1200 yuan (1973) in the bank 44 years ago. At that time 1200 yuan was equivalent to the salary of ordinary employees for five years! After 44 years, I only got the interest of 1484.04 yuan, and * * * took out 2684.04 yuan, which may be equivalent to the salary of ordinary employees for half a month! I can't help but feel embarrassed!

On the other hand, there are many cases of buying a house to get rich. For example, there is a typical case around me. At the end of 20 14, a friend's net worth was only 65,438+10,000 yuan. He boldly used credit loans and other means to buy five suites in succession and sold the first two. Now I have more than1000000, and I also own three properties with a net worth of 10 million.

Of course, not all buyers are winners in life. Many people take out loans to buy houses. Although they live a "millionaire" life in the eyes of others, they are actually "millionaires" on the books. Are such house slaves really winners in life?

Since 1998 housing reform, especially since 20 15, it can be described as the golden age of real estate. In the process of skyrocketing housing prices, there are indeed many speculators who have realized the myth of getting rich overnight, which is also the main reason why real estate has become the hottest topic in the streets of the country.

In fact, it is understandable that houses become commodities and become rich through buying and selling. But the author thinks that if a house becomes the best wealth story, and the whole city and even the whole society are shrouded in an atmosphere as if only buying a house can make them rich, then they must be sick. I remember at the class reunion at the end of last year, the author met a well-paid classmate who had worked in the IT industry for many years. He is a real social elite, but he looks sad, because he feels that he has struggled for so many years and is not as good as others' suites. In addition, it is even more bitter to borrow money or sell a house to start a business.

If a city or society does not rely on entrepreneurs and strugglers to promote its development, but on rising housing prices to prove its pride, and housing prices have become the core topic, I think this is the saddest thing. Moreover, what I hate most now is that some people who have had successful experience in the past ten years swaggering others to buy houses by various means, and they always say that "those who save money are fools, and those who sell houses and start businesses are the worst losers". "If you don't buy a house this year, you will be busy in vain 1 year", creating panic.

Do you still think that buying a house or lying down to earn money in the future? Wake up! It's not the same now. With the deepening of the property market regulation policy, under various restrictions, most people can't rely on real estate investment to enhance the wealth class. At present, the long-term housing mechanism has been accelerated, and the property tax has been accelerated, and the sale is limited for at least 5-8 years. The marginal profit rate of real estate investment is bound to begin to decrease, especially in low-level cities and outer suburbs with limited appreciation space and insufficient liquidity in the future.

Judging from the policy trend of real estate, the policy does not support a sharp rise in housing prices, and of course it will not tolerate a sharp drop in housing prices. The ultimate destination of house prices is stability. For property buyers, not all houses can be invested. If you buy a house indiscriminately in the future, you may be busy all your life. It is particularly important to note that buyers who barely enter the market with high leverage, down payment loans, consumer loans, credit cards, down payment installments and other means to help you buy more assets, will also make you bear more debts. Everyone knows the principle of leverage, which can be "small and wide", but it will also be "big because of small".

The author believes in the national luck and the urbanization of China, but believes that books are better than no books. The difficulty in life lies in knowing the time, the degree and Zhi Zhi. The author's suggestions for buying a house on 20 18 are as follows: in the first-and second-tier cities with net population inflow and the strong third-and fourth-tier cities, people with conditions just need customers, and when they meet good properties, they will buy them; In large and medium-sized cities in the future, due to the non-renewable effective land resources, each city can provide limited products that can meet people's future needs every year and within a reasonable commuting time from the employment place, so it has long-term residential investment value; If you invest in buying a house, other non-hot cities should be cautious. In view of the uncertain trend of the property market in the future, it is best to choose a good location and a good rental house to maintain sufficient cash flow in the next two years; Real estate speculators have a rest, don't be too greedy.

Finally, talk about the feeling of a few cents. For entrepreneurship, the story may be sad, but the ending is not necessarily lost. Compared with the failure of starting a business, life without dreams is obviously more failure. Moreover, once the business is successful, its return is far more than a house. The views in this article are for reference only. If you have different opinions or more, please leave a message at the bottom of the article to discuss and learn together.