4 kinds of blind obedience psychology to buy a house. Who shouldn't borrow money to buy a house?

Four kinds of psychology make people blind?

1, chasing up psychology

In hot cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Hefei and Nanjing, residents believe that "house prices will not fall" and have the psychology of chasing up. In the rising market, no matter how smart you are, it is difficult to predict when the market will fall. IBM, which occupies a monopoly position in the storage equipment market, never thought that the software revolution initiated by Microsoft would completely change the industry pattern. Where's the individual? Although everyone knows the concept of "property market bubble", few people really believe that this distant prediction will happen before their eyes. ?

2, blind obedience psychology

Real estate speculation and investment were only the behavior of some people at first. The "leaders" of these industries can't hide even if they don't want to show off their wealth. Everyone knows that house prices are rising, and someone in the market must have made a fortune. Although others are not so rich in financial resources, they are also itching, and they are bound to go to the property market to get a handful of wool. ?

3, bargain-hunting psychology

In cities where house prices are flat or even falling, won't residents borrow money to buy a house? If you think so, you underestimate the purchasing power of China people. After all, many buyers of stock market, foreign exchange market and gold entered the market in the spirit of bargain hunting. Some people think that house prices will fall, but there are so many people in China who have all kinds of ideas. Someone must think that the house price is coming to an end. ?

4. Storage psychology

Some people are very determined and don't look at the market at all. House prices go up and down, and there is a needle in my heart. This kind of person has a strong storage psychology. He is happy to buy a house, and the more houses he sees, the happier he is. The money is in the bank. You only have one card, so you don't feel rich. Turn the money into real estate license, put it on the desk, open it and see where it is and how many square meters it is. It's really rich. ?

3 types of people should not borrow money to buy a house?

The middle class whose jobs will change?

The middle class struggled in society for a period of time, saved a lot and had great ambitions. Middle-class loans to buy a house, often in order to improve life, buy a good house, a big house. But the savings of the middle class are actually not enough, so the debt burden will be great. The problem is that the middle class thinks that it is not a problem to repay the mortgage with the current income, but in fact, the slightest sign of the national economy can affect the middle class companies. In particular, some emerging industries and sunset industries can't stand the toss. Once there is a crisis in the industry, companies will lay off employees or reduce wages, and the middle class will become too miserable. ?

Just graduated from the bottom migrant workers?

Many graduates are ambitious, consciously graduated from prestigious schools, young and energetic, and their parents have some money. If they make a down payment, they can borrow money to buy a house. This is absolutely not desirable. Because experience is more important than background when looking for a job and getting a promotion and salary increase. Even if you grew up as a schoolmaster, no one can guarantee you smooth sailing in your work. What's more, young people are more likely to jump ship, and buying a house early will put too much pressure on themselves.

Young lovers who don't love each other?

The relationship between husband and wife is the biggest hidden danger of the family. If you buy a house now, you will not only divorce, but also divide the property in the future. Who will get the loan is also a problem. At that time, how to divide the real estate, who wanted a house and who didn't want to repay the mortgage, had to find a lawyer alone, which was really annoying. If you have no confidence in your relationship, don't buy a house.

The above content comes from Rong 360.

(The above answers were published on 20 16-08- 16. Please refer to the actual situation for the current purchase policy. )

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