“I, sitting on millions of assets, but can’t afford to get together”
“So distressed, 26 years old on the back of a million mortgage, more than 10,000 yuan a month (monthly payments) just gone. “A young man who bought a house in Beijing said so.
The key information in this sentence: 26 years old, owning a house worth millions, and a monthly salary of tens of thousands of dollars. At first glance, this young man seems to know the way of “Versailles literature”, inadvertently revealing his superior life. But in fact, the young people in first-tier cities with a million mortgage is a sweet worry, or forced pressure?
“Sitting on millions of assets, but no free money on my body”
Mr. Tang, who got this question, blurted out: “Never look forward to payroll like now, before the bank card never with look, thinking that it is not less for me anyway. “
Mr. Tang, 26, has been working in Beijing for several years, and just got married this year. In order to buy a house in Beijing, he took out a loan of 1.95 million yuan to the bank, and needs to pay back more than 10,000 yuan each month, occupying 60% of his salary. “I am with my daughter-in-law to repay the loan, or the bank simply do not give me so much loan, after all, a person’s salary flow is not enough to see, even two people combined are not enough to see. “
Mr. Tang told reporters that he is counted as a family to buy a house, his parents in Hubei on the pretext of his house purchase, the provident fund also put forward. Even with the help of his parents, life today is tight. “Who find me get-together I said no money, really did not expect to live this kind of life ……”
“What’s even scarier is that our house has not been renovated, and now we have to rent a room to live in. Mortgage overlaid with rent, the next few months will be good to live. “Mr. Tang said that if you count the rent, 60% of the salary is not enough, basically reaching 80%, such a situation may continue for another six months.
And Mr. Tang also feel the same pressure is the coordinates of Shanghai Sun Zhe (a pseudonym). The 31-year-old bought his term home in Shanghai’s outer ring in June 2018. “The monthly payment is a little over 20,000 yuan, and after deducting the provident fund, the monthly repayment is 15,000 yuan. “
Sun Zhe said he originally had a moderate income and was basically spending freely without a mortgage. “Buy clothes rarely look at the price, suit basic four, five thousand dollars, leather shoes two thousand dollars of the price. “
Today, Sun Zhe ushered in the consumption downgrade, Uniqlo discount models become the heart, clothes do not wear to the hole is not thrown, leather shoes within 500 yuan solution. “Eating also from every day to go to the restaurant, call take-out, into their own. “
Began to use credit card bookkeeping to calculate monthly expenses, each month to see which places can still save some, supermarkets to buy soy sauce, vinegar will also compare prices – these became Sun Zhe’s life routine. “Because still want children, may also have to consider replacing the school district housing, children is ‘swallowing gold beast’, feel that we must work hard, not to increase salary really can not top. “Sun Zhe said.
“As soon as you close, you can rent it out and have an extra income every month.”
There are also people who do not feel special about the million mortgage, because the house bought early, but also smoothly become a renter / mother-in-law.
Mr. Li, a Shandong native, bought a house in Beijing in 2015 when he had just graduated from university. “The house selection lasted about half a year, from the initial APP sea selection, to the field viewing of the house, almost every weekend. “Mr. Li recalled that he felt that a one-bedroom was enough at that time, and the building should not be too old.
“The nature of my job dictates that I work abroad all year round, and the house was immediately rented out as soon as it closed, and the monthly rent was just enough to pay the mortgage. More fortunately, I did not feel too much pressure in terms of mortgage. “Mr. Li believes that,” on the one hand, regardless of the size of the house old or new, with a house in the city to have a sense of belonging, on the other hand, Beijing restrictions mean that Beijing property has Scarcity, naturally, has a high investment value and strong ability to preserve value, so it was a natural decision to buy a house at that time. “
As the salary income is not needed to pay the mortgage, the loan is equal principal and interest, and the monthly repayment amount is fixed. With the rent rising year by year, probably from the third year onwards, Mr. Li still has a little balance in the rent after paying off the mortgage. “There will be a small sense of satisfaction in your heart, after all, there is an extra income every month. “Mr. Li said.
At the end of 2019, with the support of his family and his own savings, Mr. Li paid off his mortgage early.
Also stress-free was Wang Xiaofeng (a pseudonym), a coordinator in Shenzhen, who said she was pushed by her parents to buy a house in 2017 when her monthly salary was only in the early 10,000 yuan.
“Today there is no longer too much pressure, but not at the time of buying a house. Since I was single and my provident fund was not high enough to do a provident fund loan, it was really hard to go all commercial loan with a monthly payment of 12,000 yuan. “Wang Xiaofeng said he was a Shenzhen “coder” The company has been looking for a variety of so-called “bamboo shoots” in Nanshan, Shenzhen, and signed a contract with the agent, the owner of the night, up all night, began to make plans.
“Because according to the monthly salary is not enough to live, I decided in the real estate license to hand, after the loan is completed, the house immediately hang agent to rent. “Wang Xiaofeng calculations, the rent is about 6500 yuan / month, and their own shared room expenses of 2000 yuan / month less, so you can also give yourself some living expenses left.
“I feel that this is a deliberate trap set by my parents to get me on. “Wang Xiaofeng said he decided to jump ship in order to improve the status quo, the goal is to double the monthly salary, the provident fund to be higher.
“Foreigners have a choice, Beijingers do not have a choice.”
Many people may think that local people with household registration in Beijing, Guangzhou and Shenzhen can “lie down and win”, but did not expect that in the process of answering the questions, there are also Beijing born and bred partners to shed a bitter tear.
Ji Lin (a pseudonym), who just turned 30 this year, said that his colleagues in the company always think that as a Beijinger, he does not need to worry about the house and must be financially well-off. This is a big misunderstanding, Beijingers are not all rich, foreigners can still choose to return to their hometown to buy a home, I have no choice, even if expensive, but to carry. “
As the family’s economic situation was not good, his parents could not help Ji Lin to make a down payment, so he finally chose to buy a house in the sixth ring of Beijing. It turned out to be a bad decision, as he didn’t want to live here and it was hard to rent it out. “Ji Lin said that during the epidemic, the surrounding housing prices are even down a lot, they have the idea to sell the house, but hung online for a long time but no deal.
“Million mortgage sounds scary, and I do not have this feeling. “Miss Zhong said, as a Beijinger really not much pressure. Two or three years after graduation, Miss Zhong bought the first suite with the help of her parents.
“The house is outside the fifth ring, the loan is only 400,000, and is a provident fund loan, the interest rate is low, only 3.25%. “The monthly payment of less than 1,800 yuan, Miss Zhong believes that this is not a big burden even for new graduates in the workplace,” after all, there is no rent this piece, has been less A lot less burden. “
After marriage, Miss Zhong bought a second house in 2016. “At present, the rent of the second house rental can cover the monthly payment, has paid off half of the mortgage. “However, she also said that after buying the second house, the change of car, higher travel plans become carefully considered.
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