The loan is long enough to forget how many years, haha
I bought my first suite in 2008 in what is now a third-tier city, and I was 26 years old at the time.
My parents helped me pay a down payment of 60,000 yuan, the total price of a **** on 140,000 yuan, I came to pay the loan, then loaned 20 years, only to pay back six or seven hundred dollars a month, or a little girl I thought at that time, it has to be returned to my forties ah, so long.
At that time, six or seven hundred dollars is still affordable for me, the monthly salary from more than two thousand to later five thousand, the loan has been so much. My life not only did not become a miserable house slaves, but also more and more nourishing it.
Just moved into the new home when there is nothing, 67 square meters of the house all seem so big, I put the clothes into the proper closet, that happy feeling, do not mention. Finally said goodbye to the simple closet, underwear socks have a special place to put, no longer worry about the landlord to sell the house to increase the rent!
At that time, I really didn't know what the time value of cash was, I just thought my income would be higher and higher.
I'm a girl, my parents are distressed that I have to rent a room in a foreign country, always have to move and have lost things, so they bite the bullet and help me pay the down payment, I really thank them for their unselfishness.
In the summer of 2012, I bought a car, Volkswagen POLO, with their own money to buy, ahead of the completion of the goal of buying a car;
In August 2013, I decided to go to Beijing to work, I was already 31 years old at that time, the opportunity is 30 years old, when I met my husband's boyfriend at that time, and the company has a chance to go to the Beijing Group. So sell your car, pack your bags, and go to Beijing to start renting again.
In September 2013, by chance, my boyfriend and I and his family went to look at a real estate development in the border area of Beijing and Tianjin, the prices are very low, and after seeing it I used the money from the sale of the car to pay a deposit. The boyfriend and now the in-laws are stunned, haha.
Under the fixed, signed a pre-sale contract, I immediately went home to buy a house, 140,000 house sold 330,000, the balance of the loan is 55,000, to the hand of the house payment of 275,000, back to my parents 150,000, I left 125,000. Together with part of my own savings, I convinced my boyfriend's family to buy two houses.
A set of full payment can let me settle in Tianjin, a set of boyfriend mortgage, loan 560,000 30 years to pay off.
In April 2017, we rented a one-bedroom apartment outside the East Fourth Ring Road rent rose to 7,000, at that time I decided not to rent, renovation, live in their own room!
Now we live in our own room, my husband to work to drive an hour to the West Third Ring Road in Beijing, the mortgage is 3000 per month, but the price of the house has risen three times. The future out of this unused property, in addition to the loan can fall more than a million dollars.
I feel very happy, you see?
My lovely little home, which has kept filling up over the three years I've been in it, is getting more and more comfortable.
I think I'm a bit more vocal on this one.
How to say it, down payment 40, loan 41, 20 years monthly payment of about 3600.
When I bought the house, I was doing sound, and I didn't think too much about it, and I thought it didn't matter what the monthly payment was.
At that time, the down payment was not enough, and borrowed some money, two children in the field to go to school, the two years of business is poor, the wife's salary is only enough to live.
The family is living in a tight spot, and they don't dare to buy anything.
Every month, I have to worry about the loan.
The original good relationship between husband and wife, but also because of the days of straitjacket, often have friction.
In short, it's the point where you get tired of seeing each other.
In fact, when I bought the house, it was for the children to go home and go to school. The first time I saw this was when I was a student at the University of California at Berkeley.
Now, because of the children, because of the lack of money, feelings are really on the verge of breaking.
How to say, the main happiness is not happy, and money is linked.
Don't say what women do not covet your money, this is true, but a family life, no money is really not.
So the loan has nothing to do with happiness, mainly with money. When you have enough money, how many years of loans will not feel a problem.
It is a good thing that you have a lot of money.
If not, a loan for five years can make you lose your wife.
I hope this helps
I bought my house with a 20 year loan, over 500,000 dollars down, and a 20 year loan, almost 3000 dollars a month.
For me, it was a little stressful when I first started the loan. Because the down payment of more than 500,000 is also the East and West, borrowed a little money from relatives, plus to pay back more than 3,000 mortgage, do feel the pressure. But it gives me the motivation to work harder and earn more money, and it gives me a purpose in life. In China, after setting up a family, only when you have a house can you feel like you have a home and feel the warmth of home. In the moment of getting the house book, I feel that I am very happy, I used to pay that are worth it.
After our husband and wife's efforts, we bought a house in the fourth year, the mortgage paid off early. The moment we returned home after paying off the mortgage, we felt that this room now belongs to us completely.
The process of paying off the mortgage is painful, but also happy. It records the process of your struggle, painful and happy it [bared teeth]!
The happiness of exhaustion.
19 years in April to buy a house, a month mortgage about 5700, to buy a house basically spent all the savings of my daughter-in-law and me. But at that time, the work income is still stable, a month of eight thousand mortgage car loan, but also the pressure is not big. At that time, I was still looking at the kindergarten, and my daughter was almost ready to go to school.
But the epidemic all of a sudden let all the things are stretched to the limit. I resigned a year ago, 20 years after January did not work again, their own home exercise, read books to recharge, by the way, talked about a year after the work of the project. Daughter-in-law thinking of a change of double time off, when the time is good to transport the child to school, the end of the year also chose to leave the job.
The arrival of the epidemic, no work income, four months, 32,000 hard expenses, let me panic at once.
The epidemic has eased a little, began to look for work to go to work, expected to start the project steady start to push back, after all, to buy a house has emptied the pockets. The parents of the family are farmers, do not expect the family to pay, only hope that the parents are healthy.
The house loan 30 years, the epidemic did not happen before, everything is very good. The epidemic did make people panic quite a bit.
All in all, it's still a happy place to live, the children's parents have a place to live, and you don't have to look at the landlord's face, move frequently, and the sense of stability and happiness of life is really enhanced a lot.
Overall, the house loan to buy, depending on personal planning, economic income. After all, my honey may be his arsenic, according to their strengths, in order to carry the weight forward, and will not be tired to climb.
I am will be happy will live, happy to answer questions!
Now many people buy a house is to choose a loan, because housing prices are now rising, many people can not get so much money to buy a house, a loan can ease the economic pressure to buy a house at first, but then the road to repay the loan is very hard, every month to wealth, but also water and electricity property, there are children but also powdered milk and diapers, big point but also the nursery fee, the rest of the money to repay the loan, the poor income people basically every month, but also the money to repay the loan, the money is not enough. The people who do not have high income basically have to pinch the point to spend money every month, so the days are certainly very tired!
Most people feel insecure without a house, so feel that although every month is very tired, but happy, feel very fulfilled, then this part of the people, although but he still feel very happy
So that happy or not by their own mentality, some people are very poor he is very happy, some are very rich, he is not happy, as long as they do things that they feel very worthy of, that go do it! That one then go and do it!
Hello! I'm 35 years old, last year, I bought my own house, now more content, although a lot of arrears, but a family of four has a nest, or quite happy.
I bought two suites, loans totaling 1.32 million, commercial loans, interest rates were 5.65% and 5.85%, and nearly 8,000 yuan per month. Buy two suites is not because of money, is originally expected to work in the A area, bought a suite in the A area, the back of the allocation to the B area, and then to the B area to buy a suite, the A area is not full of 2 years, is not suitable for the out, so in addition to the loan, but also owed a buttocks of debt. With their own house is still happy, but as soon as the loan repayment day, that is quite unhappy!
In my opinion, happiness is not happy with the loan how much, loan how many years there is no necessary connection. Happiness is a subjective feeling, the difference between personal expectations and actual experience. The lower the expectation, the better the experience, the happier the person is; the higher the expectation, the worse the experience, the less happy the person is. If you want to be happy, you need to lower your expectations and at the same time work harder to accumulate more wealth and improve your life experience.
The amount and duration of the loan will affect the life experience to a certain extent, and it is very likely that you will not be able to enjoy the life you want and do the things you want to do if you have a loan. My advice on how to minimize this impact is to get the balance right. All life experiences are diminishing at the margin (your happiness from not having a car to having a car is greater than your happiness from switching from a Golf to an Audi A3), so we have to solve the problem of whether we have it or not in our lives first, and then solve the problem of whether it's good or not. In my opinion, with limited income, buy a smaller house, take out a smaller loan, and have a nest egg first. Then, down-to-earth to work hard, and constantly increase income, slowly and then change the bigger and better room on the line.
Before the loan, how to calculate, we feel that every month 3000 is not a thing.
After the loan, the first year, I think the days are very good ah, how to play how to play.
The third year, big things do not dare to casually purchase, change the phone no longer look at the latest and best, found that their car 92 oil can also be used, than 95 seems to be not much difference, it is cheaper than 50 cents, only to find that the vehicle motor vehicle insurance this more than 1,000 do not buy a lot of people.
The fourth year, the child is going to kindergarten, more than twenty cigarettes no longer buy, barbecue beer crayfish also quite a long time did not go, very afraid to hear the news of the red and white wedding.
Fifth year, began to keep score, WeChat group no longer give people more than 1 yuan of red envelopes, more willing to take the subway to let the car in the parking lot to eat dust ...
Sixth year,...... many anxiety problems make me more anxious at more times.
A side to pay back the mortgage while raising children is really tired, really tired, every month to pay back the loan to raise a family to raise children really feel almost dead poor, may be the poorest days I've had since I was a child. But the poor have the bottom of the barrel.
Now most of the various articles are persuading people to buy a house, as if buying a house will naturally become a winner in life, there are a lot of pushers to encourage housing prices will rise, creating panic. I'd like to tell you how I feel, but I'd also like to give you a reminder that a house is just a house, and that it can solve many practical problems, but it can't solve all of them.
In short, to buy a house or to remember that the house is used to live, if there has been a "must buy" idea, then buy it, but the monthly payment is best not to exceed the couple's total salary of 5 points 1, more than the more, the greater the pressure of life, this should be considered clearly. If with the idea of "buy to earn", looking forward to more housing price increases in the dividend, and then also have to borrow all kinds of money to get the down payment, then don't toss, housing prices really came to the day of the crash, the rooftop will be crowded with these people. Housing prices are getting higher and higher, especially in places like Shenzhen and Guangzhou, and I want to know how long we have been struggling to buy a house? What kind of effort has been put in?
I myself bought a house in 17 years, when the whole country was on vacation crazy, a house is hard to find.
A loan of 1 million, every month to pay back a small 6000, no pressure is a lie, to say that the happiness is not happy, this also depends on the mood, look and what contrast.
Buy to see the prices rise, or enhance the living environment, solve the problem of children's schooling, the feeling is certainly happy.
But every month when you need to pay the mortgage is still a little bit of a complaint, think all your life in the bank, earn a little bit of money, do not dare to spend, need to first fix the mortgage every month, and then look at the balance to plan the expenditure, the best every month, but also save a little bit of money, as a life of occasional needs.
But maybe life is like this, want a good life, you have to pay their own efforts, unless there is a good mom and dad, or else you need to rely on yourself, the sky will not fall pie.
You can go and watch my latest video that I posted, which is my bloody history of buying a house.
I'm turning 28 this year because I wanted to bring my parents over and live with us. We chipped in with my parents to give a down payment for a second flat. However, I did not get a loan from my CPF. As the CPF loan did not come through, we had to take a commercial loan. And the interest rate for a commercial loan for a second suite has crossed 6%. Now we have to pay back more than $5,000 per month for the loan, and my husband and I are only earning about $8,000 per month.
As a result of the sudden extra $3,000-plus mortgage payment each month, we were caught off guard. The original many arrangements have been disrupted. For example, with children. Now with the money is also very careful budgeting, and no longer go out to eat randomly, and there is no intention to buy clothes. It's a lot of pressure on the economy!
But, our kind should be considered one of the mortgage situation, if you still have a big surplus after your income is used to pay off the mortgage, in fact, your quality of life will not be affected. But like us now, the mortgage has taken up half of our income and we have borrowed money from friends and family. Inevitably, this situation makes us feel stressed and lowers our happiness index. The only idea now is to open source and earn more money.