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Which is a better choice, to buy a house on mortgage or to rent a house? This has been an intensely discussed question for years

admin2023-01-06  23
问题     Which is a better choice, to buy a house on mortgage or to rent a house? This has been an intensely discussed question for years. The following are the supporters’ and opponents* opinions. Read carefully the opinions from both sides and write your response in about 200 words, in which you should first summarize briefly the opinions from both-sides and give your view on the issue.
    Marks will be awarded for content relevance, content sufficiency, organization, language quality. Failure to follow the above instructions may result in a loss of marks.
                                    YES
    Housing prices keep rising, especially in many parts of the country. Hesitating to buy a house means that you will never afford to buy your own house in the future.
    Nowadays the interest rates are pretty much lower. Nobody knows whether this favorable financial policy will be changed or not.
    Most people have a strong desire to settle down. For those people who have strong career stability and can afford to pay the monthly mortgage, buying a house on mortgage is a feasible option.
                                    NO
    Don’t be a mortgage slave. The housing price is so high that life is hard for most people who earn just enough to pay their mortgage.
    People will take a very heavy financial burden, as they have to pay their mortgage monthly.
    The costs for buying a house could add up to about 6％ of the sale price, or roughly two or three years’ worth of rents. Renting a house makes it possible to lead a comfortable life.
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答案 Not Advisable to Be a Mortgage Slave The debate about whether to be a mortgage slave has been heated with the rising of housing prices in most cities. Those who support the idea of being a mortgage slave believe it’s high time to buy a house on mortgage, considering the rising housing prices and the favorable low-interest-rate policy. However, those opposing the idea of being a mortgage slave hold that it will be a heavy financial burden to live with a mortgage, and renting a house is a better choice. Personally, I believe that most young men should not buy a house on mortgage. First, it’s unnecessary to buy a house especially when the mortgage you pay every year is two or three years’ worth of rent. Besides, renting a house is more flexible, without worrying about the change of your workplace. What’s more, when most of your income is spent on the mortgage, your budget on consumption and investment will be extremely tight. This leads to the impoverishment of your social life, which will decrease your living standard and fetter your comprehensive personal development. In conclusion, it’s unwise to be a mortgage slave. As a viral saying in the online social networks goes, "the world is so big; I want to check it out! " Breaking away the shackles of mortgage debt, you will find a larger world and live a better life.
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