Have 500,000 mortgage to buy a house in hand or rent a house+invest?

There are 500,000 in hand, as a down payment for buying a house or renting a house to buy wealth management products? Zhou Xiao recently encountered a "choice difficulty". I don't know if he should resolutely enter the market when the property market is stable and complete the plan to buy a house. The insiders believe that from the perspective of investment income, the strategy of purchasing wealth management products is better than real estate investment, but buying a house can bring "intangible benefits". It is suggested that young buyers who are on the rise of their careers can choose an "aggressive" investment strategy.

suggestion

Buy a degree room in the old city

Consider the loan term.

In fact, there are many options for buying a house in Guangzhou with a down payment budget of 500,000 yuan, and how to choose a suitable property varies from person to person. Li Chao revealed that at present, "post-80s" and "post-90s" are just the main force, accounting for 60-70% of the buyers. Most of them have private cars and have a preference for the living environment. They can consider choosing a large-sized elevator building next to Zengcheng or Huadu subway, which will make it more convenient to travel after the subway is opened.

If you are a buyer who values the educational resources in the city center, you can consider the degree room in the old city. However, Li Chao reminded that because the old house is over 20 years old and the loan period is less than 20 years, the monthly supply burden will be relatively large.

For buyers who have no clear preference, the industry suggests that Panyu Bridge Block and other "sub-centers of the city" can be considered, with better educational resources and the property is not too old. It is understood that more than half of the buyers in the region are just-needed customers who want to buy a degree room. If you are closer to the city center, you can also choose the Jingxi plate in Baiyun District.

situation

Zhou Xiao holds a middle management position in a large state-owned enterprise, and his wife's total monthly income is about/kloc-0.5 million yuan. Since 10, they have saved 500,000 yuan and plan to buy a house this year. In March, Zhou Xiao took a fancy to a small two-bedroom apartment near Panyu Nanpu subway entrance, with a total price of 6.5438+0.5 million yuan. Before we started, we encountered a series of new policies in the property market. After waiting for more than a month, Zhou Xiao still couldn't resist the desire to buy a house: "Children are facing primary school immediately, and families need a relatively stable living environment." He believes that after the down payment of 500,000 yuan, the monthly payment is about 6,500 yuan, and there is little pressure to raise a house.

analyse

Meeting the needs of self-occupation is an intangible welfare.

The reporter learned that there are many ordinary families like Zhou Xiao, most of whom can afford a down payment of about 500,000 yuan, and their monthly income is between1.5,000-20,000 yuan. Senior analyst Li Chao calculated an account for us.

Strategy 1: choose to buy a house.

The 20-year value-added income is 6.5438+0.95 million yuan.

Taking Xiao Zhoujia as an example, the expenditure on buying a house includes a down payment of 500,000 yuan and a monthly payment of 6,544 yuan (calculated by commercial loan for 20 years of 6,543.8+0.57 million yuan). The total repayment in 20 years is 6.5438+0.57 million yuan, and the down payment and monthly payment cost is 2.07 million yuan.

In terms of the income from buying a house, if the appreciation of the future real estate is evaluated by the average annual increase of house prices, according to the statistics of the Data Research Center, the average online signing price of second-hand houses in Panyu has increased from 1324 1 yuan/square meter in the past three years (April 2065438+April 2065438+April 2065438+April 2007). Therefore, according to the average annual increase of the transaction price in Panyu, the total house price will reach 2.68 times, that is, 4.02 million yuan, after 20 years, so the income from house appreciation will be 4.02 million yuan MINUS the down payment and monthly payment cost of 2.07 million yuan, that is, 6.5438+0.95 million yuan.

Strategy 2: renting a house+buying wealth management products

The net income for 20 years is 2.89 million yuan.

(The above answers were published on 20 17- 12-22. Please refer to the actual purchase policy. )

For more real estate information, policy interpretation and expert interpretation, click to view.