Hello, everyone, I would like to ask whether it is appropriate to buy a house with a loan or to rent a house. My mother-in-law asked us to apply for public rental housing, and my mother said to give m

Hello, everyone, I would like to ask whether it is appropriate to buy a house with a loan or to rent a house. My mother-in-law asked us to apply for public rental housing, and my mother said to give me some money to buy a house. Speaking of buying a house, let's talk about the psychological factors of buying a house in China. China has a long history and strong family values, so the concept of buying a house and buying a home is urgent. These ideas are deeply rooted in us. In Southeast Asia, the reason why China people are rich and powerful is not only related to the intelligence and hard work of China people, but also related to their love of saving and buying houses. Locals who earn a few days' money immediately resign and spend it, and then go to work after spending it, which will never become a climate. In the end, it can only be violently distributed.

Americans always say that China's savings rate is too high, which affects consumption. People in China always say that Americans love spending money too much, which not only consumes wages, but also the expected income in the future and even the resources of future generations. These are still related to China culture. Americans are immigrants and lack blood culture. Naturally, they just want to be happy and chic, highly pragmatic, self-centered, eat, drink and be merry. Such a culture must be able to buy, rent and spend money.

Let's talk about the LZ family again. LZ's mother-in-law asked to apply for public rental housing just because it was cheap. What is she saving money for? Or what are you going to do if LZ's mother-in-law wins the lottery now? You must also buy a house. If a man thinks renting a house is suitable, that's fine. All women who have lived and worked all their lives know the importance of their houses. Women like shopping and decorating their homes. Now LZ's mother-in-law can't afford much money, so she proposes to rent a house. Just ask the relatives and women around LZ who are 30-50 years old, are they more secure and carefree in their own homes, or are they more willing to decorate and beautify their rented houses?

Another reason is that LZ's mother-in-law may be considering that house prices will continue to fall, fearing that it is not worthwhile to buy now. As long as there is no diving price in the city where LZ is located, it is really unnecessary to take it to heart to float hundreds of dollars up and down. China's urbanization will add 300 million people, and inflation is still rising, so developers are willing to stop making money and prepare to sell them to starve to death?

I wonder what the relationship between LZ and his classmates was like when he was a child? Personally, I feel that children's comparison psychology is also very strong. Although it is not better than who uses something and who doesn't use it well, even if the academic performance is there, it is somewhat subtle. Children living in the compound of the military party committee are indeed more arrogant than those in the family members' hospital of the factory. Secondly, now teachers also look after the family. Public rental housing and commercial housing communities can be seen at a glance. Although the commercial housing community is not rich, the average income level is higher than that of the public rental housing community. For the sake of future children, it is good to buy a house early. Wait until the children are old or even go to school before buying a house or moving. There will be a lot of odds and ends at home at that time. No trouble?

As long as the mortgage pressure is not great and the fluctuation of urban housing prices is not very outrageous, it is better to buy early and live early. The overall consumption level is rising. Three or four years ago, a mortgage of two or three thousand yuan would feel quite high, but now it's just that. In a few years, the minimum wage is estimated to be at this price.