I&;m in the same situation as you. I work in Yuexiu, rent in Baiyun District, with a down payment of 430,000 yuan and a loan of more than 900,000 yuan. I bought an old and shabby house near Duhui in the west of Liwan, with a monthly payment of more than 5,200 yuan. My family has three big houses and one small room, two bedrooms and one living room, and it is about 160,000 yuan (the whole house is renovated). Before I went to work for 50 minutes, my husband went to work for one and a half hours. Now it&;s all realized. Moreover, I saw it in May and bought it in June. I lent money in July and repaid the loan for the first time in August. A week ago, my neighbor suddenly asked me to install an elevator, and I just needed to sign it. What luck! Before buying a house, my husband also wants to buy the surrounding area, Foshan, Huadu, etc. It is true that this budget can buy a bigger and better house around. But I take care of my children. My child is 2 years old and will start to go to kindergarten and primary school next year. What I think of is more practical, such as school degree, education, convenient commuting and taking care of family problems. My husband thinks that there is no good house and no room for appreciation. For this reason, we looked at the house for a month, quarreled for a month, and I ran away from home before I bought this old broken house. Although there are some defects in the pattern, some problems can be solved through decoration. Now the house, the husband and the whole family think it&;s a good deal. Finally, my monthly payment, an additional decoration loan of 100 thousand, about 2000 points. I think so. After living for 10 years, I will replace the house when I graduate from primary school. Although it is difficult to appreciate, it is still possible to maintain the value. Besides, if I have to install an elevator, I can go up a little. Later, I will change to a small three-bedroom apartment and replace a big three-bedroom apartment if I have the ability. Because my husband sells houses and has many opinions, he tends to choose a beautiful house, such as the surrounding area, which appreciates slowly and far, but I am subjective and must be realistic! Of course, during the period, he also gave many suggestions on how to choose the old and the small. So I think you buy a house, and I don&;t know what you think. It&;s unrealistic to think only about money. Are you single? Married? Children? How many people live? How big is it? Life circle? Budget? Planning? The future direction must be considered clearly. Which is the priority, which can be delayed. Because I know that some friends bought the neighborhood, because it was too far away to go to work, so they finally came back to rent a house, or changed jobs and went to the neighborhood, but the salary around was not high. I finally regretted it. There was no appreciation in selling houses, but it did go up again in Guangzhou. So do you want to come back to Guangzhou in the future, or what? Think clearly, too. If it is used for investment, I suggest you understand that the overall planning trend of Guangzhou is science and technology in the future, where the science and technology industry in Guangzhou will migrate, and where the science and technology industry will gather together, there will be a lot of room for appreciation in the future, but I don&;t know how many years it will take. Also want to check more. It&;s my first time to buy a house, too, and I&;ll share some experiences. I hope I can help you. Good luck!