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Buying a House to Avoiding Deflation

2024-09-14 19:55
He wanted to buy a house in Nanjing and a small house in Suzhou. Because his current job was uncertain, his parents were old and only had a small fixed income. Due to the high rate of inflation, we were not proficient in stock funds, so we had to use our savings to buy a house to preserve our value. Please help. Thank you so much! There were many kind-hearted experts here! The current situation is that I am preparing to work in Suzhou in the future. 1. In November, a small apartment in a non-urban and non-park area in Suzhou was opened for sale. The traffic plan in the next two years was still okay. The total price of the house was about 390,000 yuan. It was near an office building and school district, but it could not bring a household register. The area was not enough. There might be a 97%-99% discount for one-time cash payment. It was not known yet, but it should be a little. The house was to be handed over in October 2010. 2."In addition, I'm interested in an old house with good decoration and location. The landlord might raise the price of a second-hand house in the near future. It's an old house around 90 years old. It's also a small house, but the total price will be stuck at 380,000 yuan. I won't buy more than that. If he bought a house here, he would rent a nearby house with his family to start a small business. 3. Somewhere in Nanjing, in Jiangbei, where housing prices were relatively low, there was a small high-rise apartment with two rooms and about ten floors. The total price was less than 400,000 yuan. The unit price of a school district house had risen by 550 yuan per square meter in February. It was expected that the next property would rise in price. The house would be handed over in October 2010. It could be taken with a household register. The area was enough. There was no discount for paying the full amount in one lump sum. The final question was: 1. I plan to choose two out of these three options. May I ask which one is more practical and has more potential for development? Nanjing New House (Forward)+ Suzhou New House (Forward) or New house in Nanjing (pre-sold)+ second-hand house in Suzhou (existing house, but it will take about 2 months to decide whether to sell or not) or Suzhou new house (pre-term house)+ Suzhou second-hand house (existing house, but it takes about 2 months to decide whether to sell or not)? how to choose 2. I don't have enough cash on hand. I have about that much money (one-time cash for a house +40% down payment for the second house). I will still have money in the next 5 years. Of course, I can find a job and start a business to earn money. After choosing two houses, how should I arrange the repayment, whether it is for living or investment, to achieve the greatest economic benefits? "In other words, should I pay off one in one go and then take out a loan for the other? Or should I take out a loan for both houses?" Without a reserve fund, he could only take out a commercial loan. 3. If he had the ability to repay the loan in advance, what was the more practical way? He would even get more points! Please help me, I'm in a hurry, I'll be opening in a day. There was really nothing he could do about the big change in his family. I've asked this question many times. I hope everyone doesn't mind!
2024-09-14 23:05

There are several ways to buy a house to avoid inflation: 1. Buying a long-term home loan: By buying a long-term home loan, you can obtain a stable cash flow for a long time. As a result, the purchasing power of a long-term home loan will decrease. By purchasing long-term housing loans, one could avoid the impact of inflation to a certain extent. 2. Buy low-interest bonds: Buying low-interest bonds can get more cash flow, and the interest rate of the bonds will fall due to the increase in the price of the bonds. Therefore, buying low-interest bonds could yield more in an environment of inflation. 3. Real estate investment: investing in real estate can obtain stable cash flow in the future, and the price of real estate will fall due to the increase in the price of real estate. Therefore, investing in real estate could avoid the impact of inflation to a certain extent. It should be noted that the above methods cannot completely avoid the impact of inflation because it will lead to a decline in the purchasing power of the currency. Therefore, you need to consider various factors to choose the investment method that suits you.

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