How are those people who start paying their mortgages at the age of 30 and have to pay them back for 30 years?

If you want to buy a house now, you definitely need to use a mortgage, and for many young people, it takes 30 years to borrow money to minimize the monthly repayment pressure.

But I always feel unwilling to work out this figure. (The first set is calculated at 5. 15%)

The loan from the bank is 6,543,800 yuan, with a monthly repayment of 54,600,000 yuan and a 30-year repayment of 6,543,800 yuan, which means the interest is 965,000 yuan.

Great young people all work for banks.

This house, this loan, do you want to buy it?

Buy! A quiet life can make you happy!

I was 30 years old when I bought a house, and I was 60 years old after I paid my mortgage for 30 years.

Maybe many people start with a monthly income of 5,000 yuan and a mortgage of 3,000 yuan, and their life is relatively tight. But after several years, even if the monthly income does not exceed 10000 yuan, the income is 6,000 yuan, 7,000 yuan and 8,000 yuan, and the mortgage is always 3,000 yuan. Compared with many uncertainties in renting a house, you will be more and more relaxed.

There are also children and the elderly, which are also factors we need to consider.

The old man is old, the children are young, and the pressure of life is concentrated. Only then did they realize that they were ready to change. Fortunately, the house is occupied. As long as they work hard to support the elderly and young people, at least part of their future is in their hands.

Therefore, it is good to have a house, and it is actually happy to work hard to repay the loan.

At present, many people have difficulty in making down payment, living and working in peace and contentment, and getting married.

However, no matter whether you buy a house or not, you must work hard, cheer up and be confident!

I started to repay the loan a little earlier than the title says 30 years old. In March last year, I began to repay the first loan of 2,674.02 yuan, when I was 24 years old.

I bought the house at the end of 2017, and then the loan was 2018 in March, with a total loan of 490,000 yuan in Changsha. My work unit is in Chongqing and the provident fund is in Chongqing. At that time, the houses in Changsha were very intelligent. People say: go ahead in full, please line up for commercial loans, and turn left when the provident fund leaves. No way, not a drop of provident fund will be used, and finally commercial loans will be chosen.

* * * The total loan is 490,000 yuan, with a fixed term of 30 years, and the monthly repayment is 2,674.02 yuan. Choose the repayment method of equal principal and interest, because I just graduated from work for more than a year, and I really don't have much money in my hand, so I have great pressure to repay in advance. Besides, I work in a construction unit, and my monthly salary is not fixed, so I need to borrow money to repay the loan occasionally.

How's it going?

In fact, there is pressure. When we first got married, my wife and I had more than 70 thousand deposits, and the main expense was to repay the loan every month. Then we had a baby this year. Now the child is four months old, and my wife is not at work to take care of the child at home. Up to now, the last time my wife told me that the family deposit was only over 30 thousand, and now the situation is basically a life of small business.

Fortunately, I don't have to eat and live in the construction unit every month, but life is very hard.

First of all, this kind of work is destined to stay at home all the year round. Basically, I can only go home once every two months when the cycle is the shortest, and the longest is half a year. I saw the child twice when he was four months old. The first time was when he was born, and the second time was when his child was four months old. The place where I spend the most time every day is the construction site, and the workers are the ones who deal with the most, that is, there is not much money and I am forced.

Life goes on anyway. How can there be motivation without pressure? Looking at my son's photo every day is super motivated!

The house bought in February, 2065438+2008 just happened to catch up with the peak price. The total price of the house is about 650,000 yuan, and I borrowed 430,000 yuan, and I paid it back for more than a year, more than 3,000 yuan per month, 4 10000 yuan, and borrowed it for 30 years. Every time I see so much repayment information, I feel distressed. At present, the house has not been delivered.

Let me talk about my family's personal experience.

My younger brother bought a house in a third-tier city on 20 16, with a total price of10.2 million. 30% down payment, plus taxes and other expenses, a total of 400 thousand. The interest rate at that time was 5. 145%. If you choose equal principal and interest, you will have to pay back about 5600 yuan every month after 20 years of mortgage.

The monthly income of himself and his wife is only about 10000, and there are children. As a result, they live in poverty every month, and the quality of their living standards has obviously declined. I used to go once every six months, but now I have cancelled it.

My brother used to smoke a pack of cigarettes, but now he smokes a pack every two days, and he dare not smoke expensive ones. My sister-in-law has to go to Pinduoduo to buy things! Well, after all, the mortgage is paid every month, and children need money for tutoring and interest classes. Make ends meet every month. My brother sometimes has to work part-time at night to support his family.

But outsiders always think that they are comfortable, have a house and have a good life, especially when the house price has gone up. Everyone who met him praised him, saying that he bought a house early and made a lot of money.

In fact, only he knows that the house has gone up and can't be sold. After all, he has to live. He is nothing more than a beggar with millions of assets.

Moreover, the market has been bad in the past two years, and his salary has not risen. Listen to him sigh every time I go out with him. Now he's too sick to live, and he's afraid of spending money to go out and get together with others. I also have to worry about whether my job will be lost at any time. When I got home, I quarreled with my wife and felt very tired.

Therefore, be careful when buying a house. There is really no need to put too much pressure on your life in order to buy a house. I'm Doukaka, a real estate agent, focusing on real estate research, grasping the ups and downs cycle of real estate for readers, which is not only numerous, but also empty and real.

It takes 30 years to repay the mortgage at the age of 30, which has a great impact on life. After 30 years, everyone is 60 years old, and life is near dusk, which will make many people hesitate to buy a house. However, life after buying a house with a loan is not entirely difficult, but bittersweet.

I suggest solving the housing problem first and then considering the pressure of life.

First, the mortgage interest is high, the income is limited, and the initial life pressure is great. At present, the interest rate of the first loan in Wuhan is generally 5.73%. A 2 million house with a down payment of 600,000 yuan and a loan of 1.4 million yuan.

The total interest of the 30-year loan is 6.5438+0.5348 million, which is 6.5438+0.4 million more than the loan principal. The monthly payment reached 8 152.24 yuan.

I'm in my thirties, and I have to pay more than 8 thousand a month, which really has a great impact on the quality of life.

In the first quarter of 2020, the per capita disposable income of urban residents in China was 856 1 yuan, and that of rural residents was 464 1 yuan. According to the current per capita income level in China, it is difficult for most people to pay more than 8,000 yuan a month.

Second, just need to buy a house, even if there is pressure, it is better to buy it early. The so-called just-needed, that is, the family does not have the only housing, and needs to solve the family housing problem by itself.

Affordable housing is only for low-income families. If you can make up the down payment now, hesitation is not good for you.

Too hesitant to buy a house will increase your time cost. When I was 30 years old, I hesitated to buy a house. I considered buying a house for 3-5 years. After buying a house, I had to wait for 2-4 years to hand over the house. It's almost nine years in a flash. By the time you can really live in a new house, you will be almost 40 years old.

Hesitant in recent years, house prices have risen and people are getting old, which not only increases the cost of buying a house, but also increases the time cost.

Third, balance the pressure and solve the housing problem. For buying a house, why do you just need buyers to be so entangled? But it is because of the high housing prices that the monthly supply pressure is high.

Since they are defined as just in need, they definitely need housing. If they need housing, they need to buy a house. Many people are hesitant because of the mismatch between high housing prices and income. The down payment is difficult to collect, the down payment is difficult to collect, and the monthly supply pressure is great.

Therefore, those who just need to buy a house need to strike a balance between the pressure of life and buying a house.

Choose the object of buying a house according to your own situation.

The city is constantly developing. Just because the location is inconvenient now does not mean that it will be inconvenient in the future. Just because the location is relatively remote now does not mean that it will be remote in the future.

Now all aspects of the conditions are relatively mature real estate, the price will definitely be high, if the economic strength is temporarily limited, you can settle for the second best.

Fourth, summing up 30 years of mortgage for 30 years will really bring great pressure to life, and it will be very difficult in a few years. However, as a just-needed property buyer, he will buy a house after all.

It is necessary to balance the pressure of life and the demand for buying a house. Solve the housing problem first, and then consider improving it later.

I just bought a house this year, 29 years old. Repay for 30 years, and pay 8 thousand every month.

I feel particularly stressed recently. I have to raise a child, pay off my mortgage, insurance and car insurance, and the cost of living is not low.

Coordinate Haikou, a second-and third-tier city, has the consumption of first-tier cities.

Although I am very tired, it is also a happy thing to have my own house. We bought the school district, the best school here, at least the children don't have to worry about going to school in the future.

Without pressure, where does the motivation come from? Now, it is worthwhile to be bitter and tired again.

How are those people who start paying their mortgages at the age of 30 and have to pay them back for 30 years? Well, in fact, it takes 30 years to really repay the mortgage, and it will appear in large numbers after 20 15. Before 20 15, many mortgages were still 10 years at most. Before 2009, most of them were paid in full or in installments for 3-5 years. For those who need to pay their mortgage for 30 years, we can only guess what will happen to them in the future.

First, you can't start an innovation and work all your life. This is the status quo of house slaves after 70 s and 80 s, which can be scolded by the boss. Slaves, like ancient slaves, mainly do whatever they want. It is not impossible for some people to relax their mortgages and improve their lives by selling their bodies to their leaders in order to keep their jobs and appreciate their wages.

Second, you can't rest assured of consumption. Living standard retrogressed 30 years ago, I usually took food to the company to eat, and I couldn't afford to order takeout. I am honestly at home on weekends. We basically don't spend money on other things except paying the mortgage. We buy daily necessities in Pinduoduo, and we can also use Taobao ant flowers and JD.COM white bars by stages. When we need money badly, Alipay can lend them.

Third, I am most afraid of hearing that the economy is not good, housing prices are out of order and prices are soaring. Because for them, all three are fatal. It is difficult to eat when the price rises sharply. If there is a problem with the house price, I feel cheated. If the economy is bad, I'm afraid I can't pay my mortgage after I lose my job.

Fourth, don't talk about happiness and play with others. Their biggest recreation room entertains itself and reads real estate books. Well, there are at least suites, at least people from new cities. Don't make friends with them for fun, because they are not from the same world. Play around before buying a house and play at home for decades after selling a house. But now Tik Tok Aauto is faster, and it's not bad to brush Tik Tok Aauto with a wry smile, or watch more news broadcasts and some brainwashed TV dramas (such as settling down), which are all good.

I think the house is the most important foundation in a person's life. If you can't get married, you can't achieve your career. At the same time, mortgage is also your most cost-effective long-term investment, because mortgage interest is far less than the rise in prices. Think about the housing price and price level ten years ago, and then compare the current housing price and price level, and you will know what a cost-effective investment it was to buy a house mortgage ten years ago.

For example, I bought a 130 apartment in Qinzhou, Guangxi in May, 2065, at a price of 3,600 yuan per square meter, with 12 floors. The total house price is * * * 470,000 yuan, and I borrowed 2 10000 from the bank for 20 years. I choose the way of average capital and pay it back at the beginning of each month.

In contrast, the current house price has soared to around 5200, and it took only four years for my house to appreciate. So I think the longer the housing loan, the better, because the house will appreciate, and the repayment amount will become insignificant because of the rise in prices and wages. Think about it. 10 years ago, 800 yuan a year was a heavy pressure. Now 800 yuan is not a problem at all, so you can draw a conclusion.

Therefore, I think it is better to provide a suite with a certain capital and salary, and the one with the longest service life is a good choice. You know, life will get better and better. With a house, you will work harder.

If you just need to buy a house, it is very necessary to start repaying the mortgage no matter how old you are. Because the house is a shelter for the family, it avoids the wandering life of the family.

However, if this suite is dispensable, then I don't recommend buying a house with a loan at the age of 30. Because, owing on the loan pressure, appreciation space is too small.

I just sold a house in three northern counties (Xianghe) last Sunday. 826,5438+02 square meters, selling 765,438+0.5 million. A square meter sold for 8700 yuan. Of course, I bought this suite at 6300 May 20 15. It takes five years from buying to selling.

6300 buys a floor, 8700 sells a square meter, and there is an increase of 2400 in the middle. However, what I want to say is that instead of making money, I sold this apartment at a loss. Can you believe it?

Below, let's take a look at the screenshots of repayment in recent years: a * * * loan of 370,000 yuan has been repaid for four and a half years, but there is still 342,000 principal left.

In other words, in recent years, I have only paid back the principal of 28,000 yuan, and the rest is all interest!

A * * * paid back 57 issues. Repayment in the first two years, more than 2000 per year. Monthly payment 1964 will be started in the future. 76 yuan.

At first, I remember that the monthly repayment can reach 2800.

Even if you pay 2000 yuan a month, you have paid 1 14000 yuan in recent years. I didn't expect there to be 86 thousand interest in it.

Plus my down payment, as well as the security fund, deed tax and housing maintenance fund when I closed the house. In the first year of repossession, both the property fee and the heating fee should be paid. In the years after the house is closed, no matter whether you can't live, you have to pay the property fee, and there are still many points. You have to pay the house survey fee or something to go to the next room ......

When these expenses add up, it's really, completely a loss rather than a profit!

Let me talk about the real idea of buying this house at the beginning: in June of 20 15, I was 3 1 year old and gave birth to my second child, a boy again. At that time, I saw my two sons with big heads.

Influenced by the good news that the Beijing municipal government has moved to Tongzhou as a whole, I want to go to Beisan County to buy a house. After the price increase, I went to Tianjin to buy a big house, and then settled down in Tianjin.

In May of 20 15, the housing market in Xianghe was booming. When we bought a house, it was no exaggeration to say that we robbed two suites.

In order to buy these two suites, my husband and wife emptied all their possessions and took on a heavy mortgage.

The house was bought with a mortgage loan, and a lot of loans were paid every month. However, our husband and wife are just ordinary wage earners, living on a fixed salary every month. To tell the truth, both of them feel a lot of pressure when they repay the loan every month.

With the growth of our two children and the increase of kindergarten fees, our pressure is increasing day by day.

I've been thinking about the price increase of the house, so that we can make moves and realize our goal of changing houses. But the market is getting worse and worse, or it may be my own greed that I didn't sell it earlier, so that I can't bear it now and sell it at a low price!

The purpose of changing houses has not been achieved, and we have to bear a five-year mortgage, and the quality of life has seriously declined!

Therefore, I personally think that if it is not just needed, don't easily borrow money to buy a house. The state has repeatedly stressed that houses are for living, not for speculation. Under this policy, I think the house will really be like the price of cabbage in the future, and there is not much room for appreciation. It may go up, but it will definitely go up steadily and slowly, and it will never go up. Slowly rising, that's not enough interest for the bank. I worked hard for several years to lower my quality of life. I work entirely for myself. Why bother?

I started working as a house slave at the age of 33, and I have paid back the money just five years this month. Tell me how I feel.

I am a conservative person, and I don't like being in debt for too long, so the mortgage application is 15, because I don't want to wait until my child graduates from college and the mortgage has not been paid off, which will give my child a bad impression. And I have been thinking about debt and dare not improve my quality of life.

I just went back to my hometown to find a bank last week and paid back 80 thousand in advance. The monthly payment has dropped from 2906 yuan to about 2000 yuan, and the pressure is more relaxed.

We are still short of 1.9 million. My goal is to pay off the mortgage in more than two years and three years. Just before their children graduated from primary school, they paid off their debts. After that, their monthly salary of more than 10 thousand can be much easier and they can take their families out to travel more.

At this stage, we have to pay off the mortgage, and we can only live on wages every month, especially now that prices are rising, we dare not buy too much meat, and the most we eat is eggs. Save as much as you can. Children dare not go too far if they want to travel. Try to go on the same day, and return this kind of thing on the same day.