Why do many people save a lot of money without buying a house?

At present, in this society, many people want to buy a suite after saving money. After all, you can have a more stable job, even a higher happiness index in life, and it is more convenient for children to go to school, so the word house is synonymous with just need. However, not everyone wants to buy a suite in a strange city. After all, after the house price is too high, many people may not be able to afford the high down payment even if they want to buy it.

For the rich, buying a house is for investment, not just need. Most people have one or even several houses. In the period of high housing prices, there is no rigid demand. Many people no longer have the idea of buying more than ten years ago, and basically live with their pockets. After all, the real industry is in recession now, and the funds are getting less and less, so we can save some money. At this time, deposits, funds, stocks and other financial management methods are also favored, resulting in not investing in houses for the time being, and not buying houses if they have money. This is one of the reasons.

If the house price is too high, take second-tier cities as an example. The house price of ordinary lots 1.5 million per square meter. If a house is calculated at 100 square meter, it will cost10.5 million yuan to buy. Together with other decoration expenses, it basically reached about 1.8 million yuan. This is just an ordinary lot and location. If it is a better location and location, then the house price will be even more frightening, and it will even take "six wallets" to buy a house. Therefore, although many people save money, they can't afford to buy a house even if they save money, which is why many people don't buy a house.

For many people, with the rising domestic housing prices, houses have no investment value, only speculative value. For example, the housing price in Shanghai is basically 6-7 million yuan/set, but the rent of the house is only 8,000 yuan/month, with a maximum of 65,438+10,000 yuan a year, which requires buyers to buy a house for at least 60-70 years to recover their investment. The income from renting a house is not as good as that from bank deposits. In this case, buying a house can only be profitable if the house price rises sharply, and the possibility of rising house prices in the future is slim, so more and more people buy a house more calmly.

Then, many people save money not to buy a house. Where do you want to spend the money? We think there are two ways: on the one hand, saving money is for consumption. Many people save their money and can redecorate their old houses as good as new. Another example is that you can't afford a house, but you have to save money to buy a car. Therefore, people spend money to buy houses in other places.

In fact, although the quality of life of most people in China has been greatly improved, the per capita savings and disposable income are not high. Therefore, the real rich are a few rich families. These wealthy families either have several properties in their hands, or although they have some money, they are still a long way from millions of houses. Of course, many people think that the risk of real estate is too high and the liquidity is not good. It is better to invest in other wealth management products, which is safer and has good returns.