Many people have taken mortgages for 20 or 30 years and fought for their houses all their lives. Is it worth it?

Many people have taken mortgages for 20 or 30 years and fought for their houses all their lives. Is it worth it?

First, the "difficulty in buying a house" under high housing prices.

Is it difficult to buy a house? Difficult, difficult, very difficult! House prices are as fierce as tigers, blocking the way for most people to buy a house. Although the regulation of the 20 19 property market has been tightened, the increase in house prices has gradually narrowed, but the already high house prices have been "high above" and it is difficult to come down again.

How high is the house price in China? Let's look at the ratio of house price to income. In 20 19, the national average ratio of house price to income was 8.2. At first glance, this is not high, but we must know that this figure is only the national average. Next, let's look at the first-tier cities in China, Shenzhen 36. 1, Beijing 24.9, Shanghai 24.6, Guangzhou 16.8. Take Shenzhen as an example, an urban family with ordinary income needs 36. 1 year to buy a house. Suppose they buy a house at the age of 25, and when the mortgage is paid off, they all reach retirement age and have to bear the "house" for the rest of their lives.

However, there are also some cities where the ratio of house price to income is very low, but people are reluctant to buy houses in these cities. For example, Hegang, Yumen and other resource-exhausted cities have low housing prices, but their income is not high, and their urban development prospects are worrying. The oversupply of the property market has almost become a "ghost town", and these cities also have the problem of "difficulty in buying a house".

Second, the "have to" under high housing prices.

It is so difficult to buy a house at a high price, but why do many people have to take out a mortgage for 20 or 30 years and fight for the house all their lives? Is it worth it? In fact, this is a "must" under high housing prices.

In modern society, there are too many reasons why people have to buy a house. The most common one is the "mother-in-law phenomenon", which is often said to be married to buy a house. When it was time for a couple to talk about marriage, the mother-in-law appeared, insisting, strongly and even stubbornly that the man must prepare a marriage room, otherwise he would not talk about marriage. For the man, this is what he has to do, that is, "have to" in buying a house.

However, in today's high housing prices, tens of millions of people can buy a house in full, especially newly married people. They basically rely on bank loans, depending on everyone's financial ability, or mortgage loans for 20 years or loans for 30 years. In other words, after emptying the "six wallets" to make up the down payment, you will have to bear a heavy mortgage every month for 20 or 30 years after buying a house, and you may have to struggle to "support" this house all your life.

Third, the "struggle" under high housing prices

Under high housing prices, there are not only "difficulties in buying a house" but also "necessity". Therefore, in the face of high housing prices, we must "struggle" more.

Mortgage for twenty or thirty years is a necessary choice for those who just need to buy a house. As a young man, he didn't have enough money to buy a house, so he managed to make a down payment. In order to have a "foothold" in a big city or give his lover a home, even if he had to bear a mortgage for 20 or 30 years, it was not a big deal.

Of course, we won't fight for this house all our lives. As long as you adjust your life plan reasonably, learn to open up sources and reduce expenses, work hard, and strive to increase your economic income, you can pay off your mortgage in advance. Believe in yourself.

To sum up, many people's mortgages for 20 or 30 years are all fighting for the house. This is because of the "difficulty in buying a house" and "necessity" under high housing prices. Therefore, we must work harder. It's not worth buying a house, only it suits you and believes in yourself.