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全款买房没钱,又不想贷款买房,这个时候选择“钱”还是“房”?

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发表于 2019-12-28 22:50:44 |阅读模式
如果不是没钱,相信很多人都会全款买房。如今这个社会上,全款买房的人和贷款的相比实在是不多,贷款哪有什么真正意义上的好处呢,如果不是全款买不起房,谁想贷款买房?如今房价高,而我们就生活在这么个房价高的年代,贷款买房已经成为了购房者必要的选择了。



身为一个普通人,自然没有有钱人那么有魄力,有钱还敢贷款买房。作为普通人,全款买房才是最好的选择,没有贷款压力,没有还款压力。一些人就想要全款买房,但是全款买房没钱,又不想贷款买房,这个时候,是选择“钱”还是选择“房”呢?

对于这样纠结这个问题的人来多,多数是手里没钱的人,但是又不是没有首付钱的那种人,在很多城市,经济条件还算不错了。纠结归纠结,买房还是存钱,关键看你具体情况和市场因素。



首先,看你的购房目的

你要知道你买房是买来干嘛的,如果是买来居住的,而你又是刚需,自然房子无论什么时候都是得买的,因为你没有房子,而又有付首付的钱,如果没办法问亲戚朋友借钱全款买房,购房时机对了,那就选择贷款买房吧,毕竟多交一点首付,你也可以少承受一些压力。

如果你买房是为了投资,笔者是不建议购买的。现在的楼市情况是不太乐观的,对于投资者来说起码是这样,那么,这个时候选择入市,未来你不能保证你的房子你有绝对的收益,笔者是不建议大家冒这个风险的。先不说政策的因素,就说这个市场因素,你买房不一定升值,买来投资干嘛。



其次,看当地市场情况

考虑好了第一种情况,还不能做出选择的话,那就考虑第二种情况,看当地的房地产市场。无论是买新房还是二手房,都劝你多关注当地的政策走向,以及楼市现在的状况。如果当地房价难以上涨,泡沫还很大,笔者不建议现在就买房,可以等等再买,房价或许还有下跌的空间。如果你是在一二线城市,这些地方的房价是上涨容易下跌难,那么笔者是建议可以贷款买的,因为现在不买,你不能保证以后房价会跌,而且以后房价大几率还会微涨。



最后,看钱和房的收益对比

最后一点,买房还是选钱,前面两种情况都告诉你了,当然最终你考虑的还是自己赚多少钱。作为一个购房者,无论是出于什么目的,都是最希望自己买房之后房子能升值的,那么,就来计算一下钱和房子收益的对比吧。

如果有房,不是刚需,想买房投资,收益越大越好。如果仅仅是手里掌握着钱的话,你的钱没有更好的去处,那也会贬值,钱不能生钱,只能拿来用,自然是最亏的做法。所以不建议大家把钱存银行,应该找一个更好的去处。



再来说说房子,如果买房,不一定赚钱,但是也不一定亏钱,关键看你买什么样的房子。房子是赚钱还是亏钱,关键看你的房子的升值潜力,如果有能力选择地段好的,升值潜力大的房子,笔者是建议购买的。

长期坚持创作不易,如果您喜欢这篇文章,请大家点个赞,以示鼓励。喜欢我就关注一下哦,谢谢。

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