Should I buy a house or a car first?

Buy a car or buy a house first. Buying a car for yourself and showing it to others is more than just a means of transportation. Now it has evolved into a fashionable choice, a symbol of personality, a mobile office, a dressing room and a fitting room. Houses and cars are two major consumption hotspots for young people in cities at present. For people who have accumulated a sum of money in their hands, they are faced with a dilemma-whether to buy a car or buy a house first. Young men and women have different answers, such as buying a car first and buying a house first. Everyone has his own ideas. Now let's take a look at PK and see how young men and women in today's cities live.

In favor: buy a house before buying a car.

Reason: The house gives me a sense of belonging.

Character 1: Mr. Li

Occupation: media practitioners

Age: 29 years old

Monthly income: 6000 yuan

Current deposit: 80,000 yuan

Concept self-report: I am a foreigner. I have been wandering in Beijing for many years, but I just rented it at someone else's house. Maybe one day I will drift again. As a stranger in a foreign land, I always feel that I am a stranger and can't integrate into this city. Although the house will use up my savings, I think it gives me a sense of belonging. I don't have any requirements for transportation. Anyway, I'm in the sales office, so it's convenient to go to work by bus. Besides, buying a car is not worthwhile. Oil prices are rising, and parking spaces are charged. It is better to save these expenses and buy a house. I want to buy a house and get married at the end of this year. Even a small apartment of 40 square meters always has a home. In the world of two people, it is most comfortable to be fixed in your own space. Although the house has a lot of down payment, it will last for a long time. The house will be used for decades, and if there are children in the future, the snail's house can be rented when it is changed to a big one, while the car becomes second-hand, which is basically a loss-making business, and few people will rent it. Moreover, as a family property, the house can not only maintain the bond between two people, but also bring the same benefits to both parties. Even if there are changes in the future, it can also bring compensation for certain assets. Whether this kind of car will be valuable in the future is still unknown. In a word, the money in the bank must have depreciated. It is better to buy a house first and add value.

Character 2: Miss Sun

Occupation: IT personnel

Age: 26 years old

Monthly income: 5,000 yuan

Current deposit: 0 yuan

Concept self-report: In order to go to work conveniently, I bought a small apartment in Beijing Third Ring Road. Besides part of my own money, I also used my parents' money. Although I am from Beijing and earn a lot of money, the savings in my pocket can't afford the soaring housing prices. I am an only child, and my parents have decided to use their savings to buy me a house. In fact, at first, I didn't intend to buy a house with my parents' money. I always thought it was not easy for my parents to raise me. It's difficult to save some money. I should let them support the elderly. However, in recent years, house prices have risen sharply. I think maybe I can't afford to buy a house in a few years. My parents consider it more cost-effective to invest in me than in the riskier stock markets and funds. So, I decided to buy a house with my parents' money. Although the area is not large, the total house payment has reached 350,000 because of the good location. The house is small and there are many things, so I can't help it. The down payment alone spent all my savings. I used to go to parties almost every night, but after buying a house, I basically stopped attending small gatherings of my sisters.

Counterparty: buy a car before buying a house.

Reason: the car gives me face.

Physical features 1: Amigo

Occupation: manager of advertising company

Age: 26 years old

Monthly income: 6000 yuan

Current deposit: 50,000 yuan

Concept self-report: of course, I buy a car first. Although the car is a consumable, it can increase my social activities radius. With a car, the chances of eating out, visiting friends and participating in social activities have increased. Make friends, be well informed and speak more confidently. In contrast, the influence of houses on human sensibility is much simpler. It is said that in today's society, an average increase in the travel radius of 100 km can correspondingly increase the monthly income of 450 yuan. That is, the larger the radius of personal travel activities, the higher the income level, the higher the corresponding life success and satisfaction, the greater the pressure of buying a house, and more importantly, the car can bring me more opportunities to meet friends of the opposite sex. Cars are a tool of "face". What's more, the pressure of buying a house is too great, and I'm still young, so I don't want the house to bind me in a city.

Character 2: Ciara

Occupation: freelance writer

Age: 25 years old

Monthly income: 4,000 yuan

Current deposit: 30,000 yuan

Concept self-report: I have no plans to get married this year. There was nothing wrong with living at home before I got married. The food is ready-made and the house is cleaned. I don't have to worry about anything. I bought my own car to enjoy the convenience of life and work. Go out to talk about things, you don't have to take a taxi all the time, and you don't have to rub the manager's car all the time. And compared with the house payment, the car payment is much more trivial. In my current economic situation, the burden of buying a car of 6.5438+10,000-6.5438+0.5 million yuan is not heavy. When I get married, I will definitely marry a family with a house, even if my future husband can't afford it alone. If I buy a house now, I must bear a big shackle first. If we want to change rooms at the expense of lowering the quality of life, I think it is too uneconomical.

Expert review

What to buy first depends on demand and strength.

Experts believe that what to buy first, the most important thing is personal strength and preferences, which is demand. Strength comes from income level and consumption ability, and preference comes from education level and personality preference. It is only a matter of time before people with high income and strong spending power buy things first, and they will also be influenced by their preferences. Many white-collar workers spend no more than five years on buying two big pieces. What to buy first depends on the supply side, and the house price and car price are the most important. House prices in Beijing have been rising, while the prices of private cars have been falling. Many people choose to buy a house first with this understanding. Another is people's understanding of investment and consumption. People increasingly regard buying a house as an investment method, while buying a car belongs to the field of pure consumption.

In fact, the difference between a house and a car is still extremely obvious. Houses need to occupy land and cars need to be raised, so many people tend to buy houses first and then cars. According to the current market situation and people's income level, sometimes it is not so dogmatic.