Recently, it is in on the network one " the room is borrowed 840 thousand, borrow money 30 years, the room shifts interest 720 thousand, is the choice right after all wrong still? " article fire, comment on an area to leave a message to amount to 30 thousand only. The thing is roughly such: This hair post person mortgage bought first house, the room is borrowed 840 thousand, among them accumulation fund borrows money 300 thousand, commerce borrows money 540 thousand, reimbursement period is 30 years, accrual 720 thousand, reimbursement amount is achieved 1.56 million, the month offers 4330 yuan. But this little family, because the wife looks after children, did not work, the person that rely on hair post only every months in one's hand 6000 yuan of salary maintain whole family spending, eliminate room is borrowed outside, place remnant very few. Such feasibility condition, to hair post person pressure is tremendous for the family.
Be aimed at afore-mentioned circumstances, netizens follow card number in the time in a few days, viewpoint of wh some of which also caused everybody's resonance. According to concerning data statistic, at present our country mortgages the number that buys a house to already exceeded 400 million person, modern version is " Fang Nu " . So, the read person in this article also is to returning what the room borrows more very " Fang Nu " people, this kind of circumstance of the hero in article also stamp is a lot of mediumer the person's heart. In fact, face the house price of not high income and tall look forward to, what everybody should face is " the liability that does not bear a huge sum even after all buys a house " problem.
Current, borrow interest rate to rise ceaselessly as the room, countrywide head flatlet borrows interest rate to had exceeded 5.6% , exceed standard interest rate 14% , still borrow 30 years come down, about the same half is opposite capital and accrual half. The most important is, we are very much the family pays expenses in the respect such as education, medical treatment bigger, the room is borrowed is a on their head big hill. Below this kind of circumstance, don't we continue to mortgage even after all buy a house?
We combed netizens viewpoint, basically have so 3 kinds:
Argument one
Be bungled sell iron to also must be bought, after be being sufferred from first sweet
Netizen 1: The argument that I buy a house is very simple, I this worked hard all one's life, my child need not be troubled for the house again. Although I do not know the house price in the future is,drop, but what I can decide is, the child stationary point that can be oneself what, this also is the thing that I should do a mother this. If I am not bought now, where do I stay in, want my child to buy a house for us?
Netizen 2: 10 years ago first pay tens of thousands of can buy a house, but feel loan wants every months to return many 1000 at that time. Want to buy a house now, light head pays be about 50 much, the month is offerred want many 4000. Family member mouth is much also now, the house still lives not quite, I arrive feel although house price is tall, but depreciate the space is not large, resemble me after all such demand is not little still. Have the person of need really, is the month is bought for be also being gotten again high?
Argument 2
The room borrows interest rate to calculate conscience, other loan interest rate is much higher than this
Netizen A: Need not chatter again, the estimation in comment area does not have a room to borrow. The room borrows more than 20 years, capital and interest are main it is to take an in part each, interest rate comparatives conscience, what to still have is loan interest smaller than this? The policy privilege policy that the country gives you need not? Want to know, the big loan that this all one's life can borrow from the bank also has ordinary common people only the room was borrowed.
Netizen B: The house was bought, the room borrowed reimbursement accrual to be decided basically, but prices is rising, wages also is rising ceaselessly. The house that I bought 2003, a month returns 600 yuan at that time, feel pressure returns the eldest child, main in those days salary also just 700 much, now salary 10 thousand, this 600 much month plays for still following same. Still want to buy a house in calculate otherwise when you when, others has had a room to have a car, in the end, you can discover, your whats did not fall.
Argument 3
Never buy a house, for one flatlet undeserved, return a room to borrow, this all one's life is old also
Netizen armour: Early has consideration loan to buy a house before, but think of to return loan to want 2, 30 years, wait to return loan, we the years with this best all one's life also went. In fact, bought a house now, crowded hold a large number of fund, life quality drops not to say considerably, if what family has,a bit greater affection dare not look. To us for the person with these not high income, the house will expend you about the same all one's life. Still be that word, wish you leave half a lifetime, returning still is a teenager.
Netizen second: Without us actually these person loan buy a house, house price also rises not to rise, supply is over there, the person that has entire section capacity is minority after all, borrow this lever without the room, buy the home to be able to decrease a lot of, house price nature goes up not to rise. Any game, participation person is little, play not to rise.
Netizen third: Last centuries are anxious of food and clothing, this century is housing anxious, issue a century to should be anxious for health, each friend do according to one's abilities.
House, in this society, strictly speaking is a kind to must be tasted really, even if you do not buy a house, just rent a house, this also is your demand to the house. Just, kind is different just.
Each each body, each family, located environment is different, actual state has very big distinction. Want to buy a house about otherwise, this problem does not ask a person, ask yourself: Why should you buy a house? Are you to must want to buy a house? If do not buy a house, do you have better choice?
In fact, for the crowd of real to having demand, the house should be bought for certain. Be being bought early is to buy, be being bought late also is to buy, still be inferior to be being bought now!
Saw appropriate room, when should doing it, do it!
