Fan Gang family immigrants

Young people certainly want to buy a house, but whether to use the "six wallets" mentioned by experts is still controversial.

Experts' six wallets mean that if young people get married, the' six wallets' above the husband and wife, that is, your parents, grandparents, grandparents and your partner's parents, grandparents, grandparents can pay the down payment for you together, so it is best to buy a house.

Actually, whether you want to use six wallets depends on the situation.

1, the family conditions of both parties are good, and the elders are willing to help, so that the children don't have to work so hard.

In this case, it is acceptable. The sufferings of the previous generations make the later generations enjoy happiness. Of course, future generations can also give back to their families by spending more time with them and taking them out for a trip.

In the second case, one party's family conditions are good and the other party's family conditions are not good.

The wedding room is just needed for marriage. After all, there are a series of problems such as raising children and facing the school district. The material guarantee of the wedding room can make both parties not be bound by chicken feathers in the future marriage.

Pay more for the good, pay less for the bad, and pay more for the husband and wife themselves. It should not be a problem to pay a down payment.

In the third case, both sides have poor family conditions and cannot rely on their families.

If you can't rely on your family, you have to rely on yourself. It takes two or three years for two people to earn more money, save some money, pay the down payment, and then go to the bank to borrow money to buy a house to solve the just-needed problem.

In fact, the house is not only just needed, but also an investment product or a financial tool.

If the house is chosen in a good city with a good foundation, there is still potential for appreciation in the future. After a few years, it will be a good investment if it is resold.

In addition, real estate can also help your wealth, resist inflation, and the pressure to repay the mortgage will actually become less and less. Whether with the growth of age, the increase of income, or the shrinking of the purchasing power of money caused by inflation, the real pressure is actually smaller than the book pressure.

Author: Angela Xu, the fastest growing post-90s in the financial circle.

Original personal WeChat official account: Angela, financial girl.