单身青年买房买车该如何选择?

2025-02-28 08:43:53
推荐回答(1个)
回答1:

买房买车可以说是大部分人的必经阶段,对于有钱人来说这两件事就像家常便饭一样,很简单,但是对于工薪族来说,这两件事可以说人生中最重要的两件事了,所以到底是该先买房还是先买车,往往是我们步入社会后最先面临的重大决策之一。

对于工薪族来说,房子和车在选择之前,先要搞清楚事情的本质,不管是买房还是买车,归根结底就是为了改善自己的生活质量。之后再根据自己近期需求来做出选择,而且不同的人往往做的选择也是不一样,毕竟每个人所处的环境和考虑事情的角度是不同的。

所处环境的不同,比方说有的人一直在老家上班、有的人从毕业之后就一直在外地工作,所出环境的不同所做出的选择也不同。

身边有很多人,从学校毕业后都选择回到自己的家乡,再次也是选择离家比较近一些的城市。这类人日后外出上班的可能性比较小,这种情况下,就在上班的地方先买套房子是首选。有了房子,成家立业更有优势。朋友中,绝大多数也是选择这类方式,先贷款把房子买上,装修好稳定后如果还能有余钱,再配置车辆。

而毕业后一直在外地工作的人,由于自己亲朋好友都不在身边,这些人更多的也是选择先买房,如果是打算在工作城市定居的会就近选择购买,而如果是出来历练,日后回老家,则是在老家购买一套,所以说不管是留在老家工作,还是一直在外地工作的人群一般都是先买房再买车。

再从考虑事情的角度来看一下,有的人希望在提升了自己生活质量的同时,还能够使其升值,这类人就是从投资的角度出发,去考虑这件事情。大家都知道,中国的房价从十几年前就开始一直处于上升的态势,所以房子具有的投资价值是不争的事实;而车的贬值速度很快,另外每年的保险、保养、油费、过路费等等费用算下来,即使是十万一辆的普通经济型车辆,一年也需要花费2,3万,如果购置的车辆不能为自己产生有效的价值,那基本上只能成为消费品。所以从投资角度考虑,一般还是先买房,再买车划算些。

从享受方面角度去考虑的话,那自然是先买车比较好了,因为房子只有居住的功能,是不能移动的,而车作为代步工具,平时出去旅游、走亲访友会方便很多。而且现在网约车的使用率比较高,平时下班之后也可以去跑个出租车之类的,还是能够赚一些辛苦钱。最后,工薪族到底是该先买车还是先买房,最好还是要根据个人的实际情况具体分析,也没必要盲从他人。

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