Is it necessary to buy a house immediately after graduating from college?

My university is in a provincial capital city in central China. Is it OK? 985 University. A buddy in the dormitory stayed in the provincial capital to work after graduation. Work 1 year, talked about a girlfriend. The woman's family strongly demands that she must have a room before she can consider getting married. So my buddy borrowed 600 thousand and bought a second-hand house in the center of the province. I think it was in 2007 or 2008. Fortunately, this guy's girlfriend didn't ask for a new house. Although the house she bought was a second-hand house, the location couldn't be better. It is no more than 3 kilometers away from the provincial government. At present, the value is more than 3 million, which has increased by 5~6 times.

I was admitted to graduate school with another brother in the dormitory. After graduation, he went to Shenzhen and I went to Shanghai. Our two families belong to ordinary families, and they can only support us for 300,000 to 400,000 at most. I just graduated with little savings and can't afford to buy a house in Shanghai and Shenzhen on my own. Although the house price was not as high as it is now, a small two-bedroom apartment cost 1.5 million. My plan at that time was to wait for two or three years to save some money before considering buying a house, and I was not sure whether I would leave Shanghai in the future. When I went to Shenzhen, my buddy was much smarter. As soon as he saw that he couldn't afford a house in Shenzhen, he immediately turned around, paid the down payment with his parents' money, paid his salary and bought a suite in the provincial capital.

In 2004, although 600,000 to 700,000 yuan had been saved, I still couldn't afford the down payment in Shanghai. And my buddy in Shenzhen has sold the house in the provincial capital and changed a house in Shenzhen with his savings.

Therefore, it is necessary to save money to buy a house immediately after graduating from college. My suggestion is to buy as much as possible. Because:

In the next decade, it is difficult for house prices to go down. Of course, there may be fluctuations in the short term, but it is bullish in the long term. It can be seen from the rising trend of national economy, the process of urbanization, the improvement of residents' living conditions and the annual increase of land auction price that house prices are difficult to fall in the short term. (2) You also need to choose the place where you want to buy a house, namely, North, Guangzhou and Shenzhen > first-tier provincial capitals > other provincial capitals. In the future, people will be more and more concentrated in economically developed areas. Due to the influence of supply and demand, housing prices in the north, Guangzhou and Shenzhen will be higher, and first-tier provincial capital cities will gather more foreign college students, thus pushing up housing prices. I can't afford to go to the north, Guangzhou and Shenzhen for the time being, but I can change to a provincial capital city. Who says you have to live in the same suite all your life?

As a fixed asset, a house is more valuable than cash savings. 10 years ago, a bowl of noodles was only 4, 5 yuan, and now it is sold in 30 yuan. Because of inflation, today's hundred-dollar bills can buy a lot less things than ten years ago, but the house can preserve its value. Just like my buddy in Shenzhen, he bought a house in the provincial capital and moved to Shenzhen in a few years. Although I saved 600,000 to 700,000 yuan, I didn't even have enough down payment in Shanghai. Buying a house to repay the loan helps to save money. Because of the huge repayment pressure, I dare not spend money casually, so I will be more rational and cautious when spending. Otherwise, have dinner today, sing KTV with friends tomorrow, and change to the latest iPhone the day after tomorrow, and the money will slip away unconsciously. After a few years, the gap will appear. It's not that you have to compromise to lower your quality of life in order to buy a house, but that buying a house helps to manage your expenses more reasonably. Especially the newly graduated college students, their consumption self-control is very weak.

The pressure of monthly payment will make you work harder and develop your career better. College students who just work are most likely to be arrogant and want to submit their resignation letters if they are slightly unhappy. In fact, the workplace is the same everywhere. Only by showing real talent and hard work can you gain respect, but it is difficult for people who change jobs frequently to grow up quickly. As long as people with mortgages think about monthly payments, they will give up the idea of leaving their jobs in anger and gradually understand their lack of working ability after settling down. After a period of persistence, they will gradually become socialized and professional.

If you can't afford a big house, buy a small one first, and then gradually replace it. People who have rented houses should know what it feels like to be driven away at any time under the fence. There is an old saying in China that a nest of gold and silver is not as good as one's own kennel. No matter how small your house is, it can also make a wandering heart settle down and have a sense of belonging.

All landowners boys should buy a house, and girls should actually buy a house. In the past, the folk custom was that two people got married, the man bought a house and the woman bought a car or decorated it. However, there are many situations in reality. A few years later, their relationship broke down and they had to divorce. The house belongs to the man, and the woman can only take hundreds of thousands. Even the down payment for a suite is not enough, so I have to rely on my family. In fact, buying a house itself is an investment. If the woman has the financial ability, she can buy a house in her own name before marriage, which can not only enjoy the preferential treatment of the first home loan, but also protect her assets to the maximum extent.

The above are some of my opinions, I hope to help you. Of course, the social environment and economic environment are changing at any time. Maybe 10 year, the salary is high enough, the house price will stop rising, the mortgage pressure will be low, and the job mobility will be high. Maybe you can hurry to buy a house and enjoy life slowly, and then choose a city to settle down after playing enough. But it is really hard to say when such a good day will come.

Finally, let me talk about my ending. I bought a suite in the provincial capital in 2004 because I was greatly stimulated by my classmates, and experienced a wave of rise. Now it has been sold, with a net profit of more than 1.5 million, and now it finally has a warm home in Shanghai.

The answer is: Zhang Zhizhong.

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