Can two people rent a house for life without buying a house?

As an old aunt who has reached marriageable age, her recent troubles are probably being urged by her parents to buy a house. Under the joke that "Shenzhen housing prices have dropped to 6 yuan, but the momentum is still fierce", high housing prices have become everyone's burden.

Some people say that buying a house is for security. However, is the biggest source of security the house? For young people, is it possible to take on a heavy mortgage early and kill them?

On the multiple-choice question of buying a house or renting a house, I think after reading the stories of these five experienced people, you will have new thoughts.

Did you buy a house this year? How much is the monthly mortgage?

When the peers began to tighten their belts and go to the bank to pay back the money, Blake, a friend of Beipiao, was still struggling to leave Beijing and go back to second-and third-tier cities to buy a house.

Hei is the content director of a company with a monthly salary of 12K. Every day, in addition to constantly reprimanding the subordinates of pig teammates, I live in the cracks of being scolded by the director.

I was surprised and asked him, "haven't you always wanted to take root in Beijing?"

"It's too difficult. Originally, I wanted to save enough down payment to buy a house in Tongzhou, but now Beijing government agencies have moved there and can't get away. Are you going to Yanjiao? Although it is only separated by a river, it is not Beijing! "

I was silent for a long time.

Someone once bought a basement for/kloc-0.05 million, because the nearby primary school can go directly to Beijing No.4 Middle School, the top middle school in China. It's not easy for China's parents to treat their children. I think of a question:

"Is it silly to repay the mortgage in 20 to 30 years?"

I am the first batch of post-90 s, graduated with a master's degree in the first two years, and worked in a private enterprise with a monthly salary of more than 6,000 yuan. My girlfriend is my college classmate. We rent a house outside, pay rent, and spend money on food, housing and transportation every month, and there is not much left. The biggest change after work is that the topics discussed by friends around me are always unavoidable.

"House prices have gone up again."

"XX bought a second house, not far from our company."

"Brother, buy it quickly, or it will go up if you don't buy it, and you can't afford it in the future."

"I heard that many people have settled in Xi 'an, and this house price must be more and more expensive. "

......

To tell you the truth, I always feel uneasy after listening to it. Everyone knows that the house price is definitely getting more and more expensive, but I just can't afford it!

We have been in love for four years and our relationship is stable. At the stage of talking about marriage, and my future mother-in-law made it clear that she would not let her girlfriend marry me without a house, so the problem of buying a house was put on the agenda.

My family is very ordinary. My parents run a restaurant and don't have much savings. They spent all their parents' money and borrowed hundreds of thousands from various relatives and friends. They bought a 70-square-meter second-hand rough house (a real estate in 2008) outside the Second Ring Road with a down payment of 270,000 yuan, plus agency fees and taxes of more than 300,000 yuan.

In recent years, in order to repay the mortgage, I have been desperately making money. Full-time strive for promotion and salary increase, and also open a Taobao shop to earn some extra money. My parents looked at us and felt distressed. They get up early and work in the dark every day, trying their best to help me reduce the burden. Well, I'm sorry to think of that.

During the month of June+10, 5438, my grandfather had diarrhea all the time. At that time, he simply felt that he had eaten something wrong. We went to see him, and he said he was much better, and we didn't care too much.

Later, grandma called and said that she would take grandpa to the hospital for examination. The doctor diagnosed it as terminal cancer, but he went home after several chemotherapy, and didn't take a lot of medicine until March.

However, just before grandpa died 10 day, my dad was diagnosed with advanced gastric cancer, but fortunately it didn't spread and the whole stomach was removed. The doctor is puzzled. There must be signs of this disease. Why drag it to the point of resection?

My father said that his stomach was upset more than three months ago and he vomited small lumps several times. Thinking about paying the mortgage at home, he went to the drugstore to buy some painkillers.

A week after the operation, my father was discharged from the hospital, and my grandfather was tortured by the disease and closed his eyes.

After the funeral, grandma wiped her tears and said, Grandpa knows that our family has suffered a lot to buy a house. Anyway, it's enough for them to live for most of their lives. He doesn't want to add any burden to his family. He had diarrhea for 1 month and refused to go to the hospital. After several times of chemotherapy, he also clamored to go home, and no one could beat him.

Sometimes I think it's ironic that a house lacks a life and a stomach. After paying off the mortgage, I'm not even qualified to get sick.

Buying a house is to solve the sense of insecurity, and later it is found that the most important thing is the people in the house.

Please click to enter a picture description.

In other words, people's impression of aborigines is this: either they have a house or they have money, and their parents have always had a house in Shanghai. There may be several sets, and there are still huge demolition funds lying in the bank account.

Therefore, some people say:

"Indigenous people still cry when they buy a house? This is stimulating people! "

"Foreigners just need to buy a house, and indigenous people buy a house to join in the fun."

"It is difficult for foreigners to buy a house, and it is easy for indigenous people to buy a house."

"It is very inspirational for foreigners to buy a house, and it is very old-fashioned for indigenous people to buy a house."

..... Every time I heard these words, my heart would break, so when the editor found me, I refused. What if I am eaten by human flesh? Later, they said that they appeared anonymously and held the mission of clearing the name of the aborigines. Let me tell my story.

I come from Shanghai. I grew up with my parents in Xuhui, an ancient small village. The community is biased. There is no subway, so it is inconvenient to go to the subway station by bus. In the 1990s, the government demolished the house, saying that the land was owned by the state and there was no loss. The tile house at home lacks a small public house with an outer ring.

At that time, I didn't expect the house price in Shanghai to be more than 50,000 yuan on 20 18, and I deeply missed the opportunity of more than 4,000 yuan per square meter. I got married late, and my wife (not a native) moved in with me after marriage.

Two years later, my wife was pregnant. While looking forward to the future, we are distressed that the house is too small. Even if the study is converted into a children's room, children's activities are limited, and a family of five (including parents) is still too cramped.

So, we are considering buying a house and moving out. Due to the limited budget, it is planned to be solved within 3 million.

I started to look at the Baoshan Road subway station, but it was generally dirty and messy, and I felt dissatisfied with the house inspection on Line 3. I saw a big three-bedroom apartment with a total price of 142 square meters in a residential area, with a total price of 7 million. Because the orientation, lighting and environment are good, I am hesitant to borrow money from the bank and buy this apartment.

And it was pried open the next day. It is said that the price increase is 654.38+ 10,000. I am convinced of this. Seeing my wife's belly getting bigger and bigger, I became more and more anxious, and even asked for leave after work and weekends.

One day, I found an elevator in 2005 near Zhabei Central Hospital.

I began to frequent the community. Missed a few sets, and was educated by the market. So I added the intermediary WeChat crazily and agreed to see the house the next day. After seeing the house, it's really good. The floor is high, there is no noise, the wedding room is decorated, all the household appliances are left, and the bay windows are unobstructed. I bought it at last.

Do you think you can sit back and relax? Just kidding!

Last year, my wife said that my parents were poor at home and wanted my parents-in-law to move to Shanghai. My parents' house has always belonged to me, and now I have a share of it, but Shanghai was bought 20 1 1 years ago. Yesterday we discussed whether to divorce and buy a house.

A friend said that the Shanghai real estate market has a contempt chain:

Rich locals? Rich outsiders? Outsiders without money? Local people without money.

Everyone is equal before the house price, no matter you are an aborigine or a foreigner. What floor do you ask me? I don't even know.

This is my fifth year in Beijing. According to incomplete statistics, the number of movements is as high as 12.

I just arrived in Beijing and was cheated by the intermediary. A house with three bedrooms and one living room told me that there were three people living in it. I moved in and found more than five people. There are three girls living in the second bedroom, and two of them have a very ambiguous relationship with the boys in the master bedroom. After living for less than two months, I couldn't stand the strange atmosphere and moved away.

The second time, I lived in the graduate dormitory of my senior. It happened that it was raining heavily, and I braved the rain to move the box, which was particularly embarrassing. After my senior graduated, I moved to a neighborhood nearby.

This is a two-bedroom apartment with a couple living next door. Because girls don't have jobs, boys are under too much pressure, quarreling every day, and the voices outside the building can be heard clearly.

20 13, changed jobs and found a duplex house near the company. Four or five rooms were full of people, which was also the most subversive experience for me.

That was the first time I knew that girls could find bloody menstrual towels in the washbasin. It was the first time to pay the water fee by room, not by the number of people. Cleaning was also on duty. In less than two months, I was arranged four times.

After living for less than a year, the second landlord said that the master's child was getting married and was kicked out.

I bought three beds, two tables, a refrigerator, a washing machine and countless small objects in recent years. Every time I move, I drag my suitcase back and forth on city roads and crowded subways, just like ants leaving their nests.

I moved 12 times, and I can't stand this life of no fixed place any more, and I am determined to buy a house.

Line 4 will sit to the end, Line 9 to the end, and changping line to the end. A building in southwest Beijing is only 45 square meters and 27 square meters. I calculated in my mind that the 45-square-meter jump floor actually has 90 square meters, which is the smallest apartment in Beijing, adding up to more than 5 million.

My friend suggested that I go to Xianghe, which lies between Beijing and Tianjin and belongs to Hebei. The building is located in Shuyang Town, the last stop of Batong Line. Take bus 8 10, and you can get there in more than 20 stops. The ideal commuting time is 1 hour, which is extremely normal in Beijing. The problem is that Xianghe is too remote, and the largest loft of 66 square meters has been sold out.

I'm confused. Is it worth buying a house in Beijing?

One day, Beijing just ushered in the smog of PM2.5, and I was squeezed into the subway. In the afternoon, I received a bitter landlord saying that the rent would increase 1000 from next month, and now I decided to go home and buy a house.

Anyway, I have long been tired of the fast pace of Beijing, and I still want to go back to Chengdu for development in a few years, which is also convenient for taking care of my parents.

My mother was very happy when she knew that I was going to buy a house in Chengdu. She often walks around various buildings like a primary school student and takes notes. Half a year later, I learned that a real estate was being liquidated for sale, leaving only 89 square meters and 10 1 square meters. The former is more than 9000 yuan.

After parents visited the sales department, they found that the house had a wide view. Standing in front of the window, they can see the garden-like landscape of the high-end residential area opposite, indicating that they like it very much. Seeing the photos they sent me, I think we should look at them on the spot before making a decision. I flew back to Chengdu during the holiday of visiting relatives. The scene was really good, and the family decided to buy it after discussion.

After enjoying the 15% discount, the down payment is 230,000 yuan, and the bank loan is 520,000 yuan, and the monthly repayment is 3,500 yuan for 20 years. I finally have my own home. The feeling of sureness and pressure is complicated. I can buy a bunch of flower stands and flowers and decorate every corner of the bedroom quietly.

Please click to enter a picture description.

For me, buying a house is too extravagant.

20 14 years, graduated from university, full of expectations to "kill" Shenzhen. I want to fight for my own career and take root here, so I am ambitious and save the down payment.

My colleagues around me looked at me with a puzzled look and said, "It is too difficult for a single girl to buy a house, so let her future husband pay the bill."

I smiled: "What if I have a conflict with my husband in the future, and my mother-in-law says that this house was bought by my son, and I have to drive me away?"

When the monthly salary is 4k, the house price in Shenzhen is 25,000 yuan. At that time, I just graduated and had no savings. My parents just work in the shopping mall in my hometown, which doesn't help. I think I will come out after saving a down payment for two or three years. Since I came up with this idea, I have a part-time job on weekends besides full-time. The following article is very simple almost every day.

A year later, the increase in house prices far exceeded the increase in wages. When my monthly salary was 5K, it happened to be the scariest year in Shenzhen property market, and the house price easily broke through 10,000, with an average price of 35,000. Someone joked that "I didn't buy a house last year, and I have been busy for 20 years." When my monthly salary is 8K, the house price is 5. 1 10,000. Now there are 70,000 square meters of second-hand houses in a residential area in Baoan.

No matter how I save money, I feel that the house is no longer available to the working class. During that time, I was in a bad mood. I took a year off from school (that is, a gap year) and went to Tanzania, Sri Lanka and India, where I have been wandering.

My friend said that I escaped from reality, and I admit that I had such a mentality at the beginning. Until I slept with my legs crossed on a green leather train in India, photographed sardines at the bottom of the sea and volunteered in Sri Lanka.

I'm starting to think that nothing matters. I can't afford it anyway. Then work harder, earn more money and earn more free space.

I am not a so-called literary youth. If I can move slowly and steadily, who wants to be displaced? I am just an ordinary person who has just graduated for a few years. At the moment when we should explore the world and life, we are always controlled by the house and bear the weight that does not belong to this era.

At present, I plan to spend my money on investing in myself and take a short course every year, such as photography and coffee making ... When I return to China next year, considering the fast pace of life in first-tier cities, I should choose a livable town in the third and fourth lines and rent a duplex house to live in.

If you ask me if I bought a house before the purchase restriction, I will definitely answer no.

If I had been asked a few years ago if I wanted to buy a house, I would have answered yes.

But now you ask me if I can buy a house, and I can't answer.

A friend asked, "Don't you miss home all the time?"

I smiled: "I am my home".

I regard life as a game, a trip, meet fate and be happy with it.

Please click to enter a picture description.

Crazy, crazy.

If Beijing's housing prices are expensive, you must have never seen how horrible Hong Kong's housing prices are. Last year, an authoritative report pointed out that among the five most expensive cities in the world, Hong Kong ranked first and Beijing ranked third.

The Gini coefficient of Hong Kong has been above 0.5, and the gap between the rich and the poor is widening. Nearly 80% of the houses are under 70 square meters, and 36 square meters have to be built with two rooms and one living room. A 30-inch suitcase, which can't be opened in minutes in the bedroom, is still the type of apartment that most working-class people want to buy.

90 square meters is four rooms and two halls. Being able to afford such a house is a real social elite. 65,438+000 square meters, spacious three rooms and two halls. The standard of well-off homes in second-and third-tier cities in the mainland is Hong Kong luxury homes, with more than 20 million. Is it much more expensive than Beijing?

I am in Tung Chung with the male ticket. The monthly rent is 13000, and the house price is 5.5 million. If you buy it, you have to pay a down payment of 1.9 million and various expenses, and then pay 1.6 million every month for 25 years. Considering this, I am not interested in saving money to buy a house.

There are two kinds of people who have never bought a house: those who can afford it, those who don't want to buy it and those who can't afford it. The male ticket and I belong to a mixture of two situations. We all belong to people who are extremely eager for freedom and extremely afraid of being bound.

I can't imagine what life would be like if one day I became a house slave and looked at the bank text message reminding me to pay the mortgage of XXXX yuan this month.

My financial ability is not too high, and I can barely afford a down payment of 36 square meters. But I value my life feelings more.

The down payment is the bottom line for me to tell my boss that "my mother quit". I can leave if I want, and I can play if I want. I only care about whether I like living or not. Don't eat instant noodles for a long time, don't wear old clothes, and don't get the bank card number at the expense of the boss's anger.

Our work is not bad, and we were still nagging last night. In a few years, we will use hundreds of thousands of savings to study abroad, accumulate various abilities, learn one more foreign language and expand our circle of friends. As for hukou and children, I didn't think about it for a long time. Maybe I will dink.

I have always maintained an "open" attitude inside. What I value more than whether I have a house is that if I die tomorrow, what regrets do I have?

Please click to enter a picture description.

Everyone has a set of algorithms to buy a house and rent a house.

I've seen too many couples arguing about getting married and buying a house. No matter how sweet you are, you will find that you are pregnant with a ghost when you get married and talk about money. I have also seen many couples live a life before liberation in order to save money every month; There are also people of the same age who spit out the abnormal boss after work and grovel at work. They want to resign because they have to pay the mortgage, but they feel very practical when they have a house.

What about those who rent? Is it really bad? Not all of them.

My best friend still believes that there are many people living in their own way in different corners of the world. This is an interesting place in the world, not just one side.

There are many reasons for not buying a house, not necessarily that the income is not enough, but that the current house price is not worth it.

In the final analysis, China people's obsession with houses is that we don't want to "drift", because "drift" means a lack of sense of security and belonging.

Maslow's hierarchy of needs theory says that people's basic needs are: physiological needs, security needs, belonging and love needs, respect and cognitive needs, and self-realization. The need for security is a sense of security, which is the most basic spiritual need of human beings. As a shelter for human beings, the house is considered by the public as "having a house means a sense of security".

At least, I don't have to look at the landlord's face when he sits on the ground and starts to bid: "There are still many people coming anyway if you don't rent", and I don't have to worry that you will be forced to leave one day if you don't rent; I can't stand clogged toilets and rusty sinks any longer. When my husband says he wants a divorce, I can go back to my house and start a new life. ......

Admittedly, to some extent, a house can make people feel safe living in the city, but for many people who don't have enough money to buy an ideal house, other aspects of security may be more important:

"A job-hopping, there is a foreign company I really want to enter, but my English is stuck. I want to sign up for an English class and communicate with foreigners in the future. Compared with the second and third ring houses, better job opportunities make me more excited and more at ease. "

"I don't want to spend money on mortgages, but I want to use it for financial management and investment. The money in the bank account is my sense of security. "

In a word, nothing is more important than family. I don't want to have no money to treat them with better medicine when they are sick.

"I am still young and don't want to be hindered by the house. What's the difference between that and middle-aged people? "

Whether you choose to buy a house or rent a house, these stories that others have experienced may be a portrayal of your future life and can also give you some experience and deep thought.

Don't be discouraged even if you can't afford a house. Don't we have a McDonald's that is open 24 hours a day? It's better than living blindly, exhausted physically and mentally, and getting nothing else.

Please click to enter a picture description.