My situation is basically the same as yours. I am in Dongguan, Guangdong, and I choose to buy it in Dongguan, because if I buy it at home and rent it after renovation, I think someone will pay such a high price. In this case, even if you buy a house for 60W, you need to borrow at least 30w to 40W for all the decoration furniture, and at least 3000 to 4000 yuan a month, at least 10 year. 10000-4000-2000+1200-2500 (Shanghai monthly living expenses) =2700 month deposit. 10 years later, your mortgage has been paid off, and you also have nearly 30W deposit. But this doesn't count as holidays and unexpected expenses, and you must ensure that you two earn 1W a month, otherwise there is no deposit. You want to go home, your house needs to be renovated, and it will cost more than 65,438+10,000 yuan. When you live in your new house, you may not have much money.
If you buy a house in Shanghai, you can only choose a house that is cheaper and easier to sell in the future, such as a set of 80W, a loan of at least 40W to 50W, a service life of 15 years, and a monthly payment of more than 3500 points. In this case, you should deposit 10000-3600-2500=4900 until you have enough money to pay off the loan.
Personal views are for reference only.