If you have1100,000 cash, will you deposit it in the bank or buy a house?

1. If you only have one million on hand, the advantage of time deposit is that you have a steady income every year. At the current interest rate, it's 27,500 yuan a year. Recently, many banks have raised interest rates, but they have all stayed put. 2. If this is income, it seems that the absolute value of your assets is increasing and the relative value is decreasing, which can't keep up with the speed of currency issuance. If calculated according to the actual inflation rate, the average of these years is almost 6%, that is to say, the money on hand depreciates by 6% every year, and your appreciation needs to catch up with this speed to ensure that you don't fall behind in the overall asset comparison. Judging from the speed of currency issuance, usually measured by m2, 17 is the lowest in recent years, exceeding 8%, but it is difficult to catch up with this. It is even more difficult to catch up with the average of 16% in the previous 20 years. People who exceed this figure are getting richer and richer, while those who are below this figure actually have their wealth shrunk. 3. knowing this truth, you can look at the situation of buying a house.

The average growth rate of first-line real estate in the past 20 years is 15%, which is very impressive. Second-tier cities are far below 8%, and third-and fourth-tier cities are even lower by 3%. Some areas even fell a lot. But why do people buy houses crazily? Because the real estate itself is relatively large, if it can be lent out, it is equivalent to adding leverage. If it doubles in ten years, many people think that the asset appreciation is great, which is actually equivalent to an annual appreciation of about 7%. In addition, under the policy of no real estate speculation, this growth is difficult to sustain. In the future, many properties will appreciate on the surface, but it is difficult to achieve. In cities with rising housing prices, the real estate yield is between 3-8%, and it is difficult to maintain double-digit growth for a long time. If you put your money in the bank, you might as well buy a house in one or two cities.

If your investment can achieve an annual return of 5%, the two are similar. If the investment income can exceed 5%, the total income is greater than the real estate investment. First of all, you should see whether you have other investment channels with higher yield (annualized rate of return is greater than 6%), or whether you will start a business in the next five years, and whether you will suddenly need a lot of cash. If not, time deposits are definitely insecure. The interest rate level is a narrow reflection of inflation. In fact, due to the nature of paper money, the depreciation is continuous. In addition, at low interest rates, deposit is a very low-level practice. In the absence of other stable investment channels with annualized rate of return above 6%, it is best to buy big cities (population 654.38+million), and the economic structure conforms to national policies. Second-tier cities with more high-tech enterprises and higher education and medical level should have subway network or subway network planning approved by the National Development and Reform Commission (remember, it is a subway network, not one or two lines), and it is best to be close to the urban ring road.

100000 Buying 2 million real estate through moderate leverage is the only safe, stable and efficient choice, which is also the fundamental reason why the purchase restriction cannot solve the housing price increase. Real estate is the embodiment of resources. In China, there is always a lack of adequate social resources, especially high-quality education, medical care and employment opportunities, so the real estate must be bought in buy buy. Even if the property tax is levied, it will not change the nature of resources, but will only promote higher housing prices, so no one dares to levy a property tax policy. Therefore, it is recommended to invest in Chengdu, Wuhan and other cities and not compare with the past housing prices. China's intensive development model suitable for big cities. House prices can't go up