People who borrowed 700 thousand to buy a house in Chengdu are very anxious, so how much did you borrow and how about it?

Let me talk about my family first. Commercial loan 1.05 million+provident fund loan of 700,000 yuan, with monthly payment of 9400 yuan. There are two babies at home. The old kindergarten costs 30,000 yuan a year, plus English and Lego is almost 20,000 yuan a year. The family insurance costs about 20,000 yuan a year, and the monthly living expenses are 2,000 yuan. There is a small broken car, which is about 654.38+0 million a year.

The house was bought in February last year, 65438+, for the children to go to school. At that time, I borrowed 200 thousand, and my parents gave 400 thousand a down payment. I didn't feel anything when I first bought a house, but I was under pressure when I started to repay the loan. In March, I began to repay the loan, and I have to pay back tens of thousands of borrowed money. At that time, I had no money at all, so I had to swipe my credit card to fill the hole.

The second child is just 1 year old. Compared with the boss, everything is simple except milk powder, which is not wet. The rest are basically left by my brother or old. I haven't bought many new clothes, let alone toys. Fortunately, my brother has many toys. Sometimes I feel sorry for Bao Xiao. My milk powder is not as good as my brother's diaper.

I don't dare to spend money at present. At present, my credit card only pays back more than 1000 every month, which is basically spent on going to work for lunch and parking. Usually I don't go out for dinner or shopping, and my favorite trips have stopped, only occasionally I go out to stay in a hotel.

After a few months, I paid off my credit card and tens of thousands of loans, but I still didn't dare to spend money.

By the end of next year, there will definitely be no money to pay, decorate or buy a car space. Now I live in Pixian County and plan to sell it next year. Besides those expenses, I will borrow some money. Strive to repay the commercial loan as soon as possible. At that time, the interest rate of commercial loans rose by 20%, which was too uneconomical. The remaining 700,000 provident fund loans will not be a serious problem.

Once you get a mortgage, life will be hard. But it will get better and better.

Speaking of which, I really regret not buying a house before the house price rises!

Poor college students from other places have worked hard for more than ten years. They have several suites in Chengdu, with only 1.6 million mortgage and monthly payment of 1.354 yuan. They have a domestic car and live in the biggest one. If they don't go to work, they can use the rent to pay off their mortgage and still have some living expenses left. My daughter can't go to public primary school in January, and the social security payment is about 9.8 million yuan per month, and the deposit is nearly100000. Chengdu's salary is not high, and it depends on the North-Guangzhou-Shenzhen company to make money. The epidemic came, and I lost my job. I practice calligraphy, cook and do housework with my daughter at home! [I want to be quiet] [I want to be quiet] [I want to be quiet] Am I too unrequited at the age of 39 and a loser [I want to be quiet] [I want to be quiet] [I want to be quiet]

16 down payment of 30% 650,000 yuan near xiyipintianxia, loan1.5,000 yuan. ICBC paid back 300,000 car loans in one year and more than 9,500 in two years. There is also a commercial loan of 480,000 yuan, which has been paid off for more than 5,500 yuan in 10, with three years left to pay off. Every moonlight also paid a loan of about 25 thousand, one for two children. The tuition fee for an interest class in the fourth grade of primary school is about 80,000 yuan a year, and the family expenses include the parents' living expenses of about 8,000 yuan a month, including paying property utilities to buy clothes, giving pocket money of 1 0,000 yuan to parents from rural areas who have no social security, car maintenance fee of 5,000 yuan, oil fee and insurance fee, and 5,000 yuan for each parent during the Spring Festival, and each of us will go back 1 10,000 yuan. I'm under a lot of pressure and a little anxious. Business is not good these two years, and money is not as good as it was in previous years. I spent a lot of money this year. Sometimes I really want to sell another house, settle the loan of this house now, collect the debts owed outside, settle the car loan and another commercial loan, and there is still some balance, so there is no account to pay off, but my wife is reluctant to sell another house because it is ours. In fact, it is not easy for everyone.

Thanks to Wukong for his invitation.

First of all, it makes sense to buy a house with a loan. Anxiety leads to stress, and pressure leads to motivation. It is meaningful to buy a house through your own efforts. I hope to help you by sharing my first experience of buying a house.

0 1

My mortgage was 930,000 yuan, and I paid it back three years after 20 years. 5800 yuan per month. I'm doing well, because there are still some properties for rent, including my property in Chengdu.

02

I have been engaged in the real estate industry for more than 20 years, and I feel the pressure and anxiety of buyers with mortgages, especially the first-time buyers.

03

I have a good impression on Chengdu, because I graduated from Southwestern University of Finance and Economics and bought the first suite in Chengdu. At that time, there was no bank mortgage, so it could only be done once and in stages. I chose to do it in stages for half a year. The stress and anxiety of that half year often kept me awake all night. First, I was surprised, and then I was anxious. How to make up the balance in half a year? I hate that I can't work three times a day, pedal three times at night, buy fried dough sticks in the morning and go to work during the day. Later, I applied to my boss to switch from a planner to a salesman. Half a year later, I paid the house price with the sales commission and was promoted to deputy sales manager by the company. Since then, I have started my real estate career for more than 20 years. Since then, the spirit of buying a house for the first time has been encouraging me to move forward. After leaving Chengdu for many years, this suite has not been sold. I regard it as a spiritual sustenance, a symbol of turning stress into motivation and anxiety into joy.

04

So, you can also turn anxiety into motivation. In fact, 700,000 mortgages look a lot. Break it down, as long as you work hard, you may be able to pay it off at one time. Even if you can't pay off the mortgage soon, it is meaningful to pay off the mortgage through your years of hard work, because it is the result of hard work and the best proof of your strength and endurance. I hope your purchase is just the beginning.

Fifteen years ago in 2004, I bought my first house in our small county. At that time, the down payment was about 20,000, plus 1 10,000 decoration, which cost more than 30,000. 10 bought a house and moved into a new house three days before the Chinese New Year.

I thought at that time, except for the 1 10,000 I took out, it would take about ten years to pay off the down payment of this suite for the remaining 20,000. After all, the mortgage at that time needed more than 800 yuan. For a person's salary. Husband and wife's salary, a mortgage, a life, a year can not be separated from thousands.

But what I didn't expect was that six years later, I not only paid off the down payment of others, but also paid off all my remaining mortgages.

When I used more than 60,000 yuan to repay the loan to the bank in advance, the staff of the bank always advised us not to pay back the money and to find ways to invest. At that time, I was also stupid and wanted to pay interest, but I just returned the money.

Then in 20 14, I had 20,000 yuan in hand, so I bought another house. At this time, because it is a second suite, the down payment needs more than 200,000. I asked my brother to borrow the real estate license and directly borrowed more than 200,000 yuan. This more than 200 thousand will be paid off in about three years.

So, on 20 17, I renovated my newly bought house. About a month later, the old house was rented to others at the price of 1000 yuan. This 1000 is enough to mortgage my second suite.

In August this year, my heart was really big enough. Borrowed more than 300,000 yuan and bought a house of more than one million yuan in our provincial capital. I thought it might be difficult to get a loan, but the loan came down in less than four days. Starting from 10, I will pay more than 6,000 yuan in mortgage, plus I will pay 300,000 yuan for the real estate license of the first suite. If I don't eat or drink, I will need about 7,000 yuan for a month. In other words, it's stressful.

However, I think I can live in a bigger city after retirement, enjoy better medical services, and let my children have a place to stay in the provincial capital. I still feel that buying a house as a house slave is not as painful as I thought.

To say whether it makes sense, I just want to say that if you buy a house, you will find that nothing else can give you a sense of security. Buy as soon as possible if you can. The first bucket of gold may be ten years, the second bucket may be five years, and the third bucket may be less than three years.

For example, now, the day before yesterday, someone properly gave me more than two thousand yuan in rent, which I never dreamed of when I bought a house fifteen years ago.

I borrowed 6,543.8+0,000 yuan.

The total price of the house just bought this year is 6.5438+0.5 million, and the down payment plus agency fee is almost 550,000, which is 6,000 per month for 30 years. The down payment was not enough when I bought it. I borrowed tens of thousands from my friends and should be able to pay them back before the Chinese New Year. All my salary is used to pay off the mortgage. I started a sideline as living expenses, and my wife's money was used to pay back my friends. Fortunately, the monthly sideline money was almost enough for living expenses, but I dare not quit my job. There's too much pressure.

Tell me about my situation.

65438+house bought in June 2008, down payment180,000, loan 390,000. The interest seems to be 390 thousand, and the current monthly payment is 2250.

Parents contributed 1.2 million yuan as the down payment, and I paid 60,000 yuan. At that time, my parents always thought that girls didn't have to buy a house, but it would be nice to marry me and have a car in the future. Because the lottery policy was not implemented in Chengdu before 18, I don't want to use half or all of the down payment to buy a house. Later, the lottery policy came out at the beginning of 18, and I found that the down payment could be as low as three. I quickly found a suitable property and tried my best to persuade my parents to invest in buying a house for me. Fortunately, they finally agreed, and I bought a house at one time.

Let's talk about the loan. I am 18 loan under the Spring Festival. At that time, the salary was 4900, and suddenly I had to pay back the loan of 2250 a month. Because there is still a month's rent of 1300, the rest of the money feels unaffordable, so I am particularly anxious. /kloc-In May of 0/8, after struggling for promotion and salary increase, I chose to change jobs. After changing jobs, my monthly salary increased a little and my life was better.

It is false to say that there is no anxiety, but it comes when you think about it. I'm paying the house now, and life will get better and better. Come on.

The loan is 700,000 yuan, the monthly payment is 3,850 yuan, and the principal and interest will be repaid in 30 years. According to Chengdu's income, there should be no pressure.

I graduated from college for 8 years, bought a suite in my hometown two years before graduation, lived for my parents and made a wedding room for myself.

Married in 14, gave birth to sons and daughters in 15 and 17.

16, Guanghua New Town, Chengdu, 500 meters away from Fenghuang Street on Line 4, with a down payment of 200,000 yuan, a loan of 330,000 yuan and a monthly payment of 2,000 yuan, and a small suite of 98 square meters was mortgaged. /kloc-at the beginning of 0/7, the renovation cost was 200,000 yuan, and the new house was occupied for two years. Two children, a son and a daughter. The eldest son is studying in a public kindergarten in Chengdu, and the daughter is over two years old and has not yet attended kindergarten. Parents help to take care of their children, the pressure is not too great, there are bitter and sweet, come on after 80. The ups and downs will pass. We will be happy forever. [Smile] [Smile]

Everyone in life will have stress. For young people, with a loan of 700,000 yuan, the pressure may be great when the income is not high, but from another perspective: First, with the motivation to move forward, they will think, study, work hard and earn more money. Second, at least have a property of their own. The traditional thinking of China people is to have a home. Don't people live to shoulder the responsibility of a family? Let the wife and children have a sense of belonging and happiness.

Although I didn't have a mortgage, I made some money in the early years and bought two suites at 13, so I started my business. I opened a hot pot restaurant at the end of 13, and a company at the end of 14. Both of them ended in failure at 16, with a capital loss of 70%. I am really unwilling, 65438+ originally wanted to have a big fight. I know that a few months later, the central environmental protection inspector group stationed in Chengdu, and the environmental storm began, and the business was getting worse and worse, almost to the point where there was no way out. But as a man, you can't fall down. You have raised your parents and underage children. You must break through the difficulties and send them good news.