Can you support yourself by selling a house in Shanghai and paying only interest?

Hello, hello, renting a house to answer this question.

Selling a house in Shanghai only paying interest may really support yourself! But maybe you can only choose a mediocre life, not a rich life!

I. Pearl of the Orient Shanghai

Shanghai is a symbol of wealth and prosperity! As one of the four municipalities directly under the Central Government of China, it is a national central city and a mega-city. It is the core city of Shanghai-Hangzhou-Ningbo-Greater Bay Area and an international financial, economic, shipping, trade and scientific and technological innovation center! At the same time, it is also one of the first batch of 14 coastal open cities, located at the mouth of the Yangtze River. It is the leading city in the Yangtze River Economic Belt, one of the weathervanes of China's economy, and enjoys the reputation of "Magic Capital, Paris of the East"!

The four first-tier cities in the north, Guangzhou and Shenzhen rank among them, and their comprehensive economic strength is also in the forefront of the country, ranking among the best. It can be said that Shanghai has become one of the important sectors of China's economy!

Second, the weather vane of Shanghai property market

Shanghai's housing prices, people who have seen it may sigh, how many lifetimes do you have to work to afford a house? Especially in Shanghai's rich areas, the house price is not tens of thousands now, but by going up one flight of stairs, reaching 100,000. Even in ordinary areas, housing prices are not affordable for ordinary wage earners!

It can be said that the Shanghai property market is one of the weathervanes of the China property market, and the trend of its housing prices will also affect the trend of the overall property market, the weathervane of the property market!

Third, demonstrate with examples.

Suppose you have a house in Shanghai, 100 square meters, and the price in the area is 65438+ 1 100 million square meters. Through your hands, you may get about 9 10/00000 yuan! (Suppose the bank deposit is fixed for one year, and the interest rate is 3.25%)

Let's get this straight. Can this10 million deposit bank support itself by paying interest?

Ten million yuan is deposited in the bank for one year, and your annual interest is 325,000. If you rent a house in Shanghai, it will cost 80,000 yuan a year (the rent is about 7,000 yuan per month), 245,000 yuan without accommodation, and150,000 yuan without meals (including dinners and banquets). ), besides other household expenses, there are tens of thousands of dollars.

But we must realize this objectively, that is, this example is just the life of an ordinary family. If you are willing to live this life, then you can sell your house in Shanghai and only pay interest to support yourself! There is also a premise that the house price in your area should be around100000, and the area of the house should be around1000 square meters.

If you want to live a carefree and comfortable life, even if you save10 million, it is difficult to live on interest every day. After a period of time, money will be less and less, and eventually your normal life may be affected!

Many people who live and work in megacities like Shanghai are from other places. It may be difficult to buy a house, but renting a house is also a good choice. You can also enjoy various welfare policies in Shanghai, but you should also find a reliable rental platform. You can see all the houses in the city. There are many houses, all of which are real.

People who haven't experienced it basically say no problem.

However, the national property market is now rising, affecting third-and sixth-tier cities. Prices between the real estate markets will gradually shrink.

Although you sold the house in Shanghai, you have a lot of money. It seems a lot, but if you put your money in the bank, your income will decrease every year.

Now is the era of meager profit.

17 China CPI is 1.6%. CPI is the rate of inflation, which means the rate of currency depreciation. At present, the official one-year time deposit rate is 1.5%, and the money saved for one year will be reduced by 0. 1%, that is, the bank deposit for one year is 100 yuan. The money will be reduced by ten cents.

In addition, your cost is also increasing.

The cost of renting a house is increasing rapidly, especially in big cities. There is an annual increase of 5~ 10%.

The cost of children's schooling is also high. The annual tuition fee of aristocratic schools in big cities needs 500 ~ 65438+10 thousand.

This is a lot of money.

Other small living costs are also increasing, such as vegetables, rice, oil and so on.

These expenses are accumulated over a long period of time.

If it is only for the elderly, there should be no problem. It is more difficult to live with children and wives.

Yes, no problem at all.

If the average house price in Shanghai is 5 1000 square meters and the house area is1000 square meters, the net income from selling the house is 5 million yuan.

If you have an investable net asset of 5 million yuan and support yourself with principal and income at a safe rate of 5%, how much money can you make every year?

It depends on how many years the subject intends to live.

If you plan to live 10 years, you can squander 647500 yuan every year;

If you plan to live for 20 years, you can spend 4001.2 million yuan every year;

If you plan to live for 30 years, there will be 325,200 yuan per year;

If you plan to live for 40 years, there will be 29 1.4 million yuan per year;

If you plan to live for 50 years, there will be 273,900 yuan per year. ...

If you plan to live 100 years, there will be 25 19000 yuan per year. ...

In other words, in any case, the subjects can have a stable income of at least 250,000 yuan every year for future living expenses.

It's not shabby to spend 250 thousand a year in Shanghai to meet one's life. It's definitely no problem to feed yourself. As for the rest, don't think too much.

Can you support yourself by selling a house in Shanghai and paying only interest? This question is worth answering. No one knows how much the house can sell, and how old you are. Let me give you an estimate. If you are over 65 years old and still live in Shanghai, rent the cheapest house and be careful every day to support yourself. Between the ages of 55 and 65, your life is not very easy. I dare say that people under 55 can't live in Shanghai for a lifetime with 5 million yuan. If people living in Shanghai make a compromise and take the 5 million you sold to live in third-and fourth-tier cities, I think it is ok. The remaining 6,543.8+0,000 yuan house is also very beautiful. There is another good way. I don't know if you will adopt it. Take 5 million yuan to the rural society, return to nature and eat green food to make others envy.

If there is only one self-occupied house, it is really not recommended to sell the house, because the house is tied with too many interests, and it is very troublesome to have no house in this city. If you own a house and sell an investment house, there is still no problem. However, it should be noted that if your return on investment is less than 6%, the pressure of increasing the value and preserving the value of the house will be great, and besides the monetary fund, certificates of deposit, bank deposits and savings bonds are relatively safe, if you leave the house, you must also bear certain investment risks. However, in the face of many investment and financial management traps, a little carelessness can easily lead to the loss of principal. Even if it is a legal and regular stock market, there is still a great risk of price fluctuation. In view of the operating characteristics of China stock market, it is more difficult to increase profits with the help of the stock market, but the probability of stock market value shrinking is greater. To sell a house in Shanghai, you need to increase interest through investment and financial management channels, and even use interest to live. The idea is beautiful, but the actual investment risk is not low. Perhaps, on the basis of the original self-housing, it will be a good way to increase property income through housing rental. As for a house with only one owner-occupation, it is not recommended to sell it. Be cautious.

* _ * Theoretically, it is completely possible, but it depends on which day you choose to live! Compared with the housing price in Shanghai, a house should be worth about 5 million. If it's just broken and the bank collects interest, it's still quite rich from the current living standard, but it depends on how old you are now. Also, if you are the only big house, where to rent a house after selling it is not a simple question.

* _ * If you want to choose a better life, it should be several years before you can live on interest alone. Compared with the devaluation of money, the so-called interest of your 5 million deposit bank will be negative, and if you choose to invest in something, it may be even less public, because relatively speaking, the greater the income, the higher the risk.

* _ * We all know that money has time value. Now that you have sold the house worth 5 million, maybe in five years and ten years, your present house will be worth tens of millions. By the same token, if you think that spending 20,000 yuan a month can barely support your life, then after five or ten years, you will feel that it will cost about 50,000 yuan a month, because of the continuous improvement of living standards, rising prices, devaluation of the currency and other related factors, and finally you will know what the truth is!

"If you sell a house in Shanghai, you can support yourself by paying interest"; It is a cost-effective idea. The specific cost performance depends on the price of the house and the subject's future life planning.

For example, emigrate to third-tier cities in Jiangsu and Zhejiang, or stay in Shanghai to rent a house? It has a great influence on the quality of life.

If it is a self-owned house in Shanghai, the location, area and old and new degree all relate to its price. If the house sells for more than 5 million yuan, staying in Shanghai to rent a house seems to lack the feeling of home. If there is no wage income, only about 3000 yuan a month to rent a house, life will be very easy.

5 million yuan is deposited in the bank for financial management. Calculated by annualized income of 4.5%, the monthly income is 65,438 yuan +0.78 yuan, and the annual income is 220,000 yuan. Even if you pay about 40,000 yuan in rent, water, electricity, coal and telecommunications fees, and other funds are about 6.5438+0.8 million yuan, according to a person's basic living expenses of 4,000 yuan per month, there will still be about 6.5438+0.5 million yuan left in the whole year. If you put this in the bank and buy wealth management products, you can still "Qian Shengqian".

However, the uncertainty of renting a house and the troublesome factors such as moving furniture around seem to be worse than not selling a house. Looking for a job, the salary level in Shanghai should be about 4000 yuan after tax.

If you immigrate to third-tier cities in Jiangsu and Zhejiang, it is no problem to have relatives and friends to take care of you; A person's words always feel abandoned and marginalized. Houses in Jiangsu and Zhejiang are not cheap now, and the house price is about 20 thousand; 6.5438+0.5 million to buy a rough house, plus decoration and furniture, a total of 6.5438+0.8 million. The remaining 3.2 million deposit in the bank is also calculated according to the annualized income of 4.5%. Annualized income 1.44 million, monthly income1.20 million.

To sum up, selling the house in Shanghai and moving to a nearby city may become an option for retired people in Shanghai. After all, the folk customs and eating habits of several places are similar. And the price of nursing homes in other places is much lower than that in Shanghai.

The current overheated property market stems from people's value orientation. If the concept changes, the relationship between supply and demand will be reversed, and diversified living concepts will have an impact on the investment methods of more houses.

However, if it is an "old, shabby little house" in Shanghai, there will be a lot of money in a small area once it is the turn to remove it. It can be seen that when selling a house in Shanghai, we must fully understand the market conditions and demolition policies; Think it over before making a decision.

If you have 2-3 houses in your hand, I think you can do this. I have seen too many people who are still living in fear with several houses in their hands. If the house is simply rented out, the domestic rental return rate is very low, let alone fighting inflation. There is little point in sticking to the house. What you get is a loss of meaning. Suppose you are 35 years old and have 2-3 houses in your hand. You can cash out and save some.

According to the room between central and outer ring, a 90-square-meter house is about 5 million. The daily interest of Yu 'ebao is11550,000, which is about 575. A month is more than 17000. It is also possible to support yourself and live a life that is not very luxurious.

It mainly depends on the size of the house you bought and the location of your house in Shanghai. If it is a few hundred square meters, you can probably buy tens of millions! The general bank interest rate is 1.5%. If you save 10 million, you can get10.5 million a year, and an ordinary family can only earn10 million a year. Then you can buy a suite in a second-tier city and pay interest every month. You can lead a mediocre life, and then you can get married and have children, and set foot on the peak of your life. If you don't want to live a plain life, invest this10 million. You can buy more houses to be rent-collecting bosses, or you can come to Chongqing to open a hot pot restaurant and wait for a monthly dividend to get money and set foot on the peak of your life. Ha ha ha ha ha ha ha