Should young people stop borrowing money to buy a house? This is ridiculous.

Recently, an article was particularly popular. Its title is: "A real estate developer's suggestion: young people should stop lending to buy a house!" "

At first glance, this title should be very eye-catching, grasping two points: developers have told young people not to buy a house; Another thing: young people don't want to borrow money to buy a house.

The last sentence of the article is too provocative.

"Buying a house now is an overdraft for my youth and my parents' old age", and this last sentence simply pokes blx, most people who are eager to buy a house.

It is estimated that young people who have never bought a house are likely to be indignant after reading it and really think that they can stop buying a house.

A few years ago, a colleague just engaged in real estate and once issued a statement in the office with indignation: "Why do you want to buy a house? I don't think I need to buy a house, I can rent a house! " Blabla blah ...

I was particularly admired at that time. I think this young man is very thoughtful and great. Later, we learned that the original one said that he didn't need to buy a house. In fact, his family was not bad.

This case tells us that people who can easily refuse something can often get it easily; The more nervous a person is about something, the harder it is to reach a corner.

The logic of the article is this: the high housing price is due to the shortage of supply, and the developers and the media are behind it. After ten years, the relationship between supply and demand will change, there will be a surplus of houses, and house prices will definitely fall. So young people hold on and don't pay for high housing prices. Ten years later, they can easily buy a house without a loan.

The theory that house prices will fall is actually as unfriendly and annoying as the theory that house prices will rise. The theory that house prices are bound to rise does cause panic and push up house prices. The theory that house prices will inevitably fall is more likely to make people who just need it buy the right house at the right time and miss the right time to buy a house. This is also irresponsible and misleading.

1, buying a house with a loan means working for a bank and burying your youth?

Let alone the problem of young people buying a house. Look at the loan to buy a house first.

This article has repeatedly said, "Don't work for a bank and bury your youth and passion". It is not recommended that you borrow money to buy a house. The subtext is that you have enough money to buy it?

What percentage of people buy a house at one time? This ratio is not high. For example, in downtown Hangzhou, the total price of 90 parties is at least 6.5438+0.5 million, and middle-aged people in their forties and fifties rarely have so much deposits. How to buy without a loan? This is not in line with universal values.

In addition to the above, even if there is enough money in hand, how many will buy it in full?

I have read an article by an elder before, and there is a view that only a fool can buy a house in full.

I didn't understand this idea at first. The mortgage interest is very high. Basically, for a 20-year business loan, you have to double the money you borrowed. At first glance, it seems that if the funds can be turned around, buying a house in full can save a lot of interest.

It was not until I came into contact with some knowledge of financial investment that I discovered that this was the idea of the poor or diaosi. People with a certain level of assets often don't care about these interests, but more about the return on investment.

There are also many people around, starting their own businesses and being small bosses. They still pay the mortgage every month. With their strength, they are not without money, but the money is used in places that generate higher profits. People with economic mind and financial ability, 654.38+0 million may incite a project, and making good use of bank money is the key.

However, this view does not apply to those who are too rich to care about millions or tens of millions when asking about houses.

Mortgage is an important means to revitalize liquidity. So don't think it's hard to borrow money from the bank to buy a house. For experts, having a mortgage is happiness.

2. Either adapt! Either emigrate!

The article said, "Japanese young people will not buy a house if they can't afford it, and let their ideals fly in the rented house." It means that young people in China should also learn from the countries next door, and don't look down on their eyes. If they can't afford it, they can rent the house safely and keep their feet on the ground. That sounds reasonable, but what about the fact?

Looking at China by Japanese, European and American standards is basically not applicable to the national conditions. The national level is different, the policy level is different, and people are required to have a sense of other countries? This standard is too high!

I have a case around me. A friend stayed in Shanghai for many years and got pregnant a while ago. Look at the housing prices in Shanghai, there are at least four or five million houses, and finally decide to immigrate directly at this juncture.

In fact, many people choose this way. If you don't want to pay for the high housing prices in China, or feel that it is not cost-effective, leave. This kind of practice, especially in favor of, decisive and not artificial.

If you really can't accept the national conditions, immigration is the best way. I want to live in this land and bear strange fruits. This logic is difficult to establish.

Young people should find ways to buy a house.

Investment in real estate is not encouraged, and holding multiple properties is not encouraged, because it is really not suitable land for investment in real estate.

Many people are chasing high housing prices to buy houses, most of which are just needed. "No way, again high also want to buy. If you can't wait, you have to buy it if you find a way. " This is the voice just needed.

Because investment and self-occupation are completely different things.

Japanese young people can rent a house instead of buying a house. Is the household registration system in Japan the same as ours?

If our generation doesn't have children, it is really possible to rent a house instead of buying a rent. After giving birth to a child, people in New Hangzhou don't buy a house except Hangzhou locals. Is it really okay?

Having children and not having children are really two different things.

Let me start with an actual case. There are so many pregnant women giving birth in the Year of the Horse that community hospitals and large hospitals are overwhelmed. So there is an unwritten but tacit unspoken rule: if the account is not in Hangzhou, you will not build a card. (Of course, when there are not many people, you can build a residence permit or not. )

Because of the shortage of resources, is it possible to be completely fair in the big environment? Household registration is the threshold we set and the premise for us to enjoy resources in a certain range.

Many young people, aged 25-35, buy houses mostly because of their children. If you want to study in your city in Hangzhou, it is difficult to hang up your hometown account.

In Hangzhou, school district housing is still controversial, but at present it is linked to household registration, and household registration is linked to houses. Even if the household registration is consistent with the real estate license, it is divided into one table, two tables and so on.

Maybe you don't care about the school district, you can spend a lot of money to go to a private school or just study in the neighborhood, or you can.

If not. Then I want to ask a few questions: Can the change of household registration system be solved in a short time? Can ordinary people solve the household registration system?

If you can't solve it, you can either work hard to buy it honestly, or simply put aside your distractions and think about the days without a house. The most terrible thing is that you don't work hard and wait for the house price to fall to meet your ideal. It's too passive.

My friend's hometown is in a shanty town in a second-tier provincial capital city in the north. The elders in the family have retired and their savings are not enough to buy a house. The children at home did not work hard, waiting for the demolition and resettlement to improve their lives. How many years have you been waiting? At least 10 years, still waiting. Passive, very passive, if you want to master more resources, take the initiative to attack, and so on are unknown.

But the article also said, "It is not worthwhile to give up your ideals and imprison your youth in order to be a house slave." This is true, but it only applies to young people who already have capital in their hands. Refer to the example at the beginning of this article. If you can't even get a hukou, it's time to buy a house. What's the ideal? Then don't have children

It is irresponsible to publish an article that advises young people not to borrow money to buy a house in order to attract attention. Not everyone can afford to wait for ten years, and not everyone needs to wait for ten years.