Thay vì mua nhà để an cư, nhiều năm nay, anh Trần Ngọc Nam quyết định đi thuê nhà vì tiền dành dụm cả đời, nếu không có gì thay đổi sẽ không thể mua được nhà.
Thị trường bất động sản 2 năm trở lại đây chứng kiến giá bán tăng chóng mặt khiến ước mơ sở hữu nhà để an cư của nhiều người trở nên xa vời.
Anh Đậu Anh Tú, quê ở Nam Định, đang làm việc tại Hà Nội tâm sự về lý do anh vẫn thuê nhà, mai chuyển đi nơi khác vì giá nhà đất quá cao, vợ chồng anh không thể. không lưu mãi mãi. có thể chi trả.
Anh cho biết, sau 15 năm đi làm, với thu nhập khoảng 20 triệu đồng của hai vợ chồng, anh chị đã tiết kiệm được khoảng 700 triệu đồng. Số tiền này, nếu muốn mua một căn nhà 30m2 ở ngoại thành Hà Nội (khoảng 2 tỷ đồng / căn), bạn phải vay ngân hàng 70%.
“Tính cả lãi và gốc phải trả trong một tháng là hơn 10 triệu đồng, đây là số tiền chiếm hơn 50% thu nhập của vợ chồng tôi nên nếu mua nhà, chi tiêu trong gia đình cũng không. đủ cả, nhất là 2 cháu đang tuổi ăn học, rất tốn kém. Hơn nữa, trong trường hợp rủi ro mất việc làm sẽ rất khó khăn vì chúng tôi không còn tích lũy dự phòng ”, ông Tú nói.
Trong khi nếu cứ chờ tích góp thêm mới mua được nhà thì với tình hình giá nhà đất phi mã như hiện nay, cơ hội sở hữu nhà ngày càng khó, nếu thu nhập không tăng hoặc không có đột biến.
“Năm ngoái, giá nhà tại khu vực tôi định mua chỉ 1,2-1,5 tỷ đồng / căn thì nay giá đã tăng lên hơn 2 tỷ đồng / căn. Trong khi cả năm vợ chồng tôi chỉ tiết kiệm được khoảng 100 triệu đồng ”, anh Tú buồn bã nói.
Ước mơ mua nhà ngày càng khó thành hiện thực của nhiều người
Ước mơ có nhà quá xa vời nên vợ chồng anh Tú đành chấp nhận phương án đi thuê nhà. Bởi anh chỉ phải dành 25% thu nhập hàng tháng để trả tiền thuê nhà, tiết kiệm được 30% thu nhập, phần còn lại vẫn đủ để gia đình anh sống vui vẻ, không quá áp lực.
“Tại sao tôi phải gánh một khoản nợ, sống đến mức tối thiểu, đồng nghĩa với việc thường xuyên lo lắng cho căn nhà? Trong khi với giá nhà cao như hiện nay, dù không dư dả gì tôi cũng không thể tiết kiệm được ”, anh Tú nói.
Cũng giống như anh Tú, nhiều cặp vợ chồng trẻ sau nhiều tháng loay hoay tìm nhà ở ngoại thành Hà Nội cũng đành từ bỏ ước mơ của mình.
Vợ chồng chị Nguyễn Cẩm Quyên (quê Hưng Yên) chia sẻ, giá nhà đất hiện nay quá cao, trong khi lương và các khoản thu nhập khác của hai vợ chồng chỉ tăng rất ít qua từng năm.
Nếu một người muốn mua nhà giá 3 tỷ đồng ở Hà Nội, nghĩa là họ phải có thu nhập trên 50 triệu đồng, hoặc phải gánh khoản vay và trả theo hình thức dài hạn từ 15 – 20 năm.
“Hiện tại, nếu tôi thuê nhà chỉ 4-5 triệu đồng / tháng thì một năm cũng phải hơn 50 triệu đồng, khoảng 50 năm nữa tôi mới hết tiền mua nhà. Trong khi đó, nếu bỏ ra 2,5 tiền tỷ để mua nhà, Căn hộ cũng sẽ xuống cấp theo thời gian, càng để lâu thì càng mất giá, thay vì phải gánh nợ 20 năm chỉ vì mong có nhà ”, chị Quyên nói.
Theo báo cáo của Sở Xây dựng Hà Nội, năm 2021, giá nhà ở trong nhân dân ghi nhận sự biến động mạnh, tăng khoảng 30%. Đặc biệt, một số khu vực trước đây giá thấp, nay tăng khoảng 50% như: Ba Vì, Sơn Tây, Mê Linh, Sóc Sơn.
Nhà phố cũng tăng giá mạnh tùy khu vực, tăng 20 – 30% so với năm 2020. Tại các tuyến phố trung tâm, giá không có biến động.
Trong khi đó, chung cư tăng khoảng 5% so với năm 2019, 2020.
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