My family is in Baoshan , and the whole family works in a large state-owned manufacturing company in Shanghai, and the same is true for my husband's house. Not long after we graduated, we got married because of our family background and age. Not long after marriage, our son was born.
My husband and I are basically in Baoshan. When we got married, we lived in our parents' house before, so we bought a wedding house near our company when we got married.
This house was bought in 2010. It was considered a new house at that time. We didn’t think about investing or anything. We just moved out and lived in it ourselves after getting married.
The wedding house was bought by my husband’s parents. I can’t remember the exact amount of the price. Then my parents also bought me a small set of dowry and wrote my name alone.
After getting married, we lived a very good life.
My husband and I are both single children, both natives in Shanghai, and we have homesteads at home. The two houses I bought from marriage were paid in full, one of which I lived in and the other was rented out to collect rent. In addition, we both worked in state-owned enterprises. Although the salary was not high compared to some major Internet factories, the elders of both of us were old employees, and they all had good pensions after retirement. After the son was born, he would give his children things every now and then.
Therefore, overall life is relatively abundant and there is no great pressure.
In 2018, the second child was born and he was a son again. Both parents were very happy. After considering it, they decided that the younger son would take my surname. For this reason, my dad changed my husband's car so that it would be easier to pick me up to and from get off work and pick up the children from school in the future.
2021, I began to feel that the place at home was not enough.
Originally, we had a two-bedroom apartment with one living room, one living room, one of ours, and one of ours. After the youngest son was born, the eldest son usually had to do homework at home, and after the epidemic, he often had to take online classes. The youngest one was still young and could not live without people. My mother would come to help me take care of her during the day. In this way, the original second-bedroom apartment was not enough.
In my heart, it is best to have a four-bedroom apartment, one room for us, one room for one child, and one room for study. Whether it is children doing homework in online classes, or we usually need to rush to get a PPT or something.
In 2021, Shanghai can be said to be the world of "news" and I was very moved when I looked at the news and the various legends around me.
At that time, we didn’t have much deposit. If we wanted to buy a house, the down payment was a big problem. So in 2021, I first sold the small house under my name, two small rooms with a size of more than 60 square meters, and finally got 2.13 million yuan. In addition to the deposits in recent years, it was about 2.3 million yuan.
At the beginning, I took the money and thought I could buy a house worth 6-7 million yuan, so that we can continue to live and rent one house for now.
However, my husband and I calculated the monthly expenses at home. Even if we added the subsidies given to us by our parents, we could not afford to pay more than 4 million yuan in mortgage loans. After all, I have two gold-swallowing beasts at home, and I can’t save it no matter how much.
So I changed my idea of living in a fourth room to a third room.
Since we can only afford a mortgage of 2 million yuan at most, we can only afford a house of 4 million to 5 million yuan at most. In this way, the choices we have suddenly become very small.
After struggling with her husband for a long time, she finally decided to sell the house she lived in at that time and get a down payment of 6 million yuan to buy a satisfied one, and don’t have to borrow too much money.
Since the Chinese New Year was almost over, we thought that after all, we had lived there for so many years, and we had another Spring Festival and then sold it. Who knew that we would encounter the epidemic next.
It was not until July that the second house was sold. At this time, I began to feel that it seems that selling a house now is not as easy as it was at the end of last year.After
, the entire Shanghai market seemed to have suddenly started to change. It was a very proud thing if someone was buying a house around him, but in the past few months, it seems that everyone thinks that only fools buy a house.
So, we became this "fool".
After the house was sold, our whole family lived in my parents' house for the time being because my mother wanted to take care of her younger son, which was more convenient.
As for the matter of selling a house and replacing it, our whole family and both parents felt that the original house was really too small after having a young son, and it was indeed necessary to change to a larger one. The only two problems with
are that they don’t want me to have a loan, but they still think the full payment is the safest. Then they don’t want us to buy too far. The houses in Pudong are definitely not considered. It is better to be close to Baoshan in the city. On the one hand, it is close to the homes of both parents, and on the other hand, we are close to work. After all, our life circle is basically in Baoshan.
For the first question, my husband and I think we can borrow less. After all, we have never used provident fund and are all quite high. We just found an opportunity to raise it. We agree with the second question.
In this way, the room for choice becomes a large apartment project mainly around Baoshan and Baoshan.
But when I talked about my thoughts to my friends, they thought I was too stupid.
Their reason is, first, buying a house must buy a location. Baoshan does not belong to the city, and the price will not increase in the future if you buy it. If you have to buy the Sino-Foreign Ring Road, then choose Minhang , and Dahongqiao has greater development potential. The second is that the entire real estate market is currently falling, and buying now means taking over at a high level.
I explained to them that we bought a house mainly because the house is too small now and we really need a big house. Otherwise, when my younger son is older, he will have to study, and the family will not know what it will become.
But in their eyes, they still think that housing prices will fall now, and they will lose money if they buy it.
I didn't think there was something wrong with changing the house, but after hearing them, I began to hesitate, thinking that I was really doing something wrong?
Editor's Notes
Wuyan's replacement needs can be said to be a urgent need, and it is also one of the most urgent groups for changing houses.
Just as she said, what should I do when my child grows up?
We believe that for home buyers who need to get married, have children, study and other urgent needs, paying attention to market fluctuations is actually not very important, and the needs of self-occupied people cannot be viewed from an investment perspective.
