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避免两种误区 一是大家总是在算还清贷款最后一共需要还多少钱,常能听到“30年的房贷利息就翻一番”之类的话,但是却没有看到通货膨胀、货币时间价值等因素造成未来货币的贬值,如果适度贷款,成本相对是很低的;二是一些人借款过多,超过偿还能力,或因预期收益无法实现而无力偿还。以购车为例,一般家庭现在15万元的车就已经可以满足正常的需要,可是有个别人却会因为个人兴趣或其他需要等原因选择购买价格在25万元以上或更高档次的家用轿车,这样还款的压力就翻倍了。对多数人来说,这
Avoid two mistakes First, we always count the total amount of money to pay off the last total amount of money, can often hear the “30-year mortgage interest doubled” and the like, but did not see inflation, currency time Value and other factors cause future devaluation of the currency, if moderate loans, the cost is relatively low; Second, some people over borrowed, over the ability to repay, or due to the expected benefits can not be realized and unable to repay. To purchase a car, for example, the average family now 150,000 yuan car already can meet the normal needs, but some people will because of personal interests or other needs and other reasons choose to buy the price of 250,000 yuan or more grade car , So the pressure of repayment doubled. For most people, this