Liaocheng contemporary property fee

The pressure of mortgage is not only mortgage, but also income planning and family expenses, which are all faced by mortgage owners. 2020 is too difficult! It is not easy to understand what it means to abandon the house and cut off the supply, and some directly push themselves to the wall.

First, mortgage is based on stable income, and income is unstable. Mortgage will only upset the balance. If a person's income is unstable, his life has to be washed again. Most people who abandon their houses and mortgage are not single, and their lives are no longer dependent on them. Break? , but simply ask? Is it steady? . Stay at three o'clock in the morning every day. If everything is all right, they can complete the mortgage. Although there may be some fluctuations in income sometimes, tightening your belt will pass. Only in the first half of 2020, unemployment, unemployment and bankruptcy, this balance was broken.

For example, a friend of mine, from Hankou, went back for the Spring Festival on October 20th, 65438/KLOC-0, and didn't come out until Qingming. Although there was a guaranteed salary during the epidemic, nothing could be done for three consecutive months, and the work had to be handed over, with no performance and bonus. When I finally returned to work, my position in the company was not as good as before.

Pressure from all sides made him rob Peter to pay Paul, until July, when there was no wall to tear down, he swallowed two boxes of cold medicine.

Later, he was found and rescued, but his job was gone, and his wife resolutely abandoned the house. Now at home, I need psychological counseling. His wife keeps the house alone.

Second, who doesn't want to buy a house in full? Don't tell me that the down payment is called financial management. Who wants to pay so much interest if they have money? People who pay for buying a house have low income, and this low income is also broken, which naturally collapses. It is precisely because my income is not very good that I want to pay for the house. Paying the house was originally a low-pressure choice, but when my income was unstable, this road was blocked.

Imagine this:

If you start at 6000 a month and pay back the mortgage at 3094, you can still control half;

After shuffling in 2020, you only have 4200 yuan. After paying off the mortgage, the rent outside may not be enough;

Some people may think that the salary is only 6 thousand when it is high. How to return the house? In this society, 6000 is not low, what is even lower is that the news has reported that there are at least 600 million people in China whose monthly income is below 1000, not to mention those who wander between 2000 and 3000.

Third, a person's income may have only one source, but a person's expenditure is not just mortgage. I don't know how expensive rice is if I don't take charge. In middle age, everything needs money! Your salary may not be high, and you can barely support your family at ordinary times, but the place you have to spend is definitely not just the mortgage.

It's cold, you need to add clothes, your parents need to add clothes, your parents-in-law need to buy clothes, and your children need to add two sets, so even if you make do with cheap clothes, you have to1500;

It's almost the Spring Festival, so it's time to save money for the new year. But even if there are chickens and ducks at home, a few firecrackers and fireworks, melon seeds, peanuts, sweets and biscuits, and then cut a catty of pork and some mushrooms and fungus, the children will be one or two thousand.

A few years later, children have to go to school again, and now kindergartens can keep up with the expenses of universities. The child is four or five thousand in the county seat and has two children. Ten thousand can't move, and this money has to be cash, and it can't be owed;

Looking back, I have been with your hard-working wife for a year, and I haven't added a good set of skin care products. Her clothes are still the same as last year's wool. When she visited the counter of the shopping mall, she just turned her head and smiled and said to you: I don't need to buy it. The scarlet size at home is still full.

Not to mention the rent and living expenses, which are already needed.

Fourth, although there are many people who spend a lot of money to buy a house, it is king to find ways to make themselves have the strength to buy it in full. Nowadays, people, such as mortgage, car loan, credit card, a house and an iou, all spend in advance. When buying a house, everyone is telling you the benefits of mortgage. Can the rest of the money be spent on it? Financial management? 、? Investment? Yes, but is it really financial management?

Let me ask you a straightforward question: you? Financial management? Is this money enough to pay interest?

Many people regard Quankuan as a fool, but they don't want to think about it. When you have the strength to buy a house at once, will you pay the down payment first and then pay back 20 thousand to 30 thousand every month?

When you have the ability to buy a Mercedes-Benz in full, will you pay 65438+ 10,000 yuan and then make a monthly payment?

My boss and I bought a car, paid cash and ran away. Where did the down payment and monthly payment come from when picking up the car?

Only when the strength is insufficient can there be a house and a car. If I had money, I would definitely buy it in full. Now that I have no money, I can only improve my ability, so that if I need to buy it for my children in the future, I will have full strength.