In the bustling city, the house, which once carried the dreams and hopes of countless families, now seems to be gradually fading its mysterious and dazzling aura. When we no longer look at it through the lens of finance, but return to its most essential purpose, residence, we can't help but ask: is this a carnival about investment, or a true portrayal of life?
Yes, houses, once hailed as "the safest investment", now seem to be facing unprecedented challenges. We can't help but wonder, how did all this happen?
Looking back on the past, those who have a lot of money and are full of hope have invested their funds in this seemingly never-ending market in the wave of soaring housing prices. They believe that as long as they buy a house, they have an asset that is constantly appreciating. However, as time passed, this seemingly indestructible bubble gradually revealed its fragile side.
First of all, we need to understand a basic economic logic: the value of any investment is based on its scarcity and utility. However, when the house gradually loses its attributes as an investment, we can't help but ask: what is left of it?
The essence of the house, as a living space, is to meet people's basic living needs. Behind the soaring house prices, however, we see a distorted set of values. People are beginning to see a house as an asset that can increase in value infinitely, ignoring its most essential purpose - living. This distorted value not only makes people ignore the basic needs of the house as a living space, but also puts countless families in a heavy financial burden.
When a house gradually loses its properties as an investment, we can't help but ask: what is left of it? Will it continue to carry the dreams and hopes that were once pinned on it?
Perhaps, when we begin to look at the house with a more rational eye, we will find that it is not as mysterious and remote as we imagined. It is just an ordinary living space, a place that can meet our basic living needs. And when we stop thinking of a house as an asset that can grow infinitely, we may be able to focus more on what it is – to live in.
Of course, we can't deny the investment value of a house in certain situations. For example, in some areas with abundant educational resources and convenient transportation, houses do have a certain potential for appreciation. However, this potential for appreciation is not unlimited, and not for everyone. Therefore, when deciding whether to buy a house, we need to weigh the pros and cons more carefully.
First of all, we need to be clear about our purpose for buying a house. Is it to meet your own housing needs or to invest? If it is for residential needs, then we need to consider the geographical location, transportation convenience, surrounding environment and other factors of the house; If it is for investment, then we need to consider factors such as the appreciation potential of the house, rental yield, etc. But no matter what our purpose is, we need to be clear about one basic principle: don't blindly follow the trend and don't listen to irresponsible statements and advertisements.
Secondly, we need to consider our own financial strength and financial situation. Buying a house is a major financial decision that requires us to consider our financial strength and financial situation before making a decision. If our financial strength and financial situation do not allow us to buy a home, then we need to carefully consider whether we need to postpone our home purchase plans or choose other ways of living that are more suitable for us.
Finally, we need to be clear that a house is not an asset that can grow infinitely. Although it is true that a house has a certain appreciation potential in some specific situations, this appreciation potential is not unlimited and not everyone can enjoy it. Therefore, we need to maintain a rational and cautious attitude towards the investment value of the house, and do not blindly follow the trend and do not listen to some irresponsible remarks and advertisements.
In such a complex and ever-changing world, the house may no longer be the investment we once were familiar with. But whether it is still an investment or not, we should look at it with a normal mind. After all, it is just an ordinary living space, a place that can meet our basic living needs. And when we start to look at it with a more rational eye, perhaps we will find that it is not as far away as we think.
Of course, we can't deny that a house does have a certain investment value in some specific situations. For example, in some large cities, housing prices continue to rise due to factors such as dense population and limited land resources. In this case, buying a house can be a relatively safe way to invest. However, even in this case, we need to maintain a rational and cautious attitude towards the investment value of the house, and do not blindly follow the trend and do not listen to some irresponsible remarks and advertisements.
So back to the original question: if the house is a place to live without functions such as welfare school districts and other functions, the house has to depreciate if it becomes old, and if the rental yield of the new house does not reach 5%, is the house a junk investment?
The answer is clearly no. While a house may no longer be an investment in certain situations, that doesn't mean it's a junk investment. After all, as a living space, the house still has a certain practical value and the ability to meet people's basic living needs. And when we start to look at it with a more rational eye, perhaps we will find that it is not as far away as we think.
Finally, I would like to say that a house is not a simple investment, but an existence full of complexity and diversity. When deciding whether to buy a house, we need to maintain a rational and cautious attitude, weigh the pros and cons, and don't be fooled by some irresponsible remarks and advertisements. At the same time, we also need to pay attention to our financial strength and financial situation to ensure that we can afford the financial stress of buying a house. Only in this way can we truly realize the dream of "home ownership" and make the house an indispensable part of our lives.
So are there only two features to buying a house in the future? First, you can live for a long time, and second, you can rent out to achieve an annualized income of 5%, and if you can't meet these two conditions, then don't buy it, because buy one, set one? Perhaps there is no one set answer to this question, as everyone's situation and needs are different. But in any case, we should remain rational and cautious about the house, which is full of complexity and diversity, so that it can truly become an indispensable part of our lives.