Want to buy a house in Shanghai, how much is the monthly salary to afford it? Netizen: I feel like I can't afford it for a lifetime

Netizen one:

To buy a second-hand house in Shanghai, consider it a multi-storey house with two bedrooms and one living room of 80 square meters, at least 5 million. You have to pay a down payment of 1.5 million and you can get a mortgage loan, plus taxes, agency fees, decoration fees, furniture, and household appliances. Wait until the cost is not less than 300,000, and a total of 1.8 million can start.

Since then, the 3.5 million debts on the back will be repaid in 20 years, and the total debt plus interest will be 5 million, 250,000 per year and 20,000 per month.

The monthly cost of daily life is 6,000, and the expenses for children are also indispensable to 10,000. Based on this settlement, if the couple does not have a monthly income of less than 30,000 after tax, it can only be a dream. The prerequisite for buying a house is 1.8 million. start ah?

Netizen two:

Buying a house is related to savings, although it is also related to monthly salary, but it is not very related. The monthly salary is related to the loan. If you need a loan, then your monthly salary needs to be twice the monthly repayment. Therefore, whether or not you can buy a house mainly depends on how much money you have in your bank card. For example: if you have a deposit of 1 million, you can use 700,000 to buy a house of about 2 million; you have 300,000 to pay taxes and the rest can be left to repay the loan, so that even if your monthly salary is not much or you have zero income, you can still endure it. In the last few years, you actually work harder after buying a house. The road of life is long, but it is not too short, but it is not too long. If you have the ability, you can do it. If you have the ability, you can actually do it. You can find a ladder to climb the wall that you can’t jump over!

Netizen three:

The point I have always said: the total income of a person or a family for a year (including salary, bonus, dividend, and provident fund, anyway, all the income that can be used to buy a house) is related to a location in the city that is not too remote (certainly not the city center, But don't be too biased, it is roughly equivalent to Beijing's North Fifth Ring Road) is equivalent to the price of a 12-square-meter house, that is, the monthly gross income can buy one square meter. This is the most appropriate.

Buying a house in Shanghai according to the current housing price, consider paying taxes, social security, eating, drinking, and socializing with friends and leaders. The monthly salary is less than 50,000 yuan, so don’t think about it. Now the cheapest house in Shanghai is more than 20,000 to 30,000 yuan, not to mention Speaking of the urban area, the cheapest calculation is 3.5 million yuan, and even if the furniture is furnished, it will cost more than 1 million yuan. The monthly repayment of the loan of 2.5 million yuan is estimated to be almost 20,000 yuan. Reality.