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那些年在南京买的房,如今成了资产还是负债?

  • 2026-05-06 15:23:15
那些年在南京买的房,如今成了资产还是负债?
01
16年刚毕业那会，南京的房价还处于上升期，增长势头迅猛。经济也是一番欣欣向荣的态势，房价虽然上涨，但总感觉未来可期。
那时候买房是要看条件的！
刚毕业时，出了一项规定：本科生毕业，必须要交满2年社保，才能有资格在南京买房。如果是研究生及以上学历，毕业就可以落户，或者你是南京户口也可以直接安家南京。
后来，这项政策没多久就被取消了！
当时，其它一线城市也都有相应的积分落户政策，比如深圳、上海的要求比南京要高的多。
现在聊起来，朋友还开玩笑地说：“小时候计划生育，长大了规划买房，敢情，啥好事都被我们撞到了。”
那时，我们几个想留在南京的朋友都有不同程度的忧虑。
利哥是我高中同学，也是在南京上的大学，年龄稍长，考虑问题最深刻：“房价一直上涨，万一高得离谱，到时候掏空六个口袋都买不起，那还有留下来的必要吗？这是个关于生存的问题，不是闹着玩的，得慎重考虑啊。”
毕业后，一个沉重的问题摆在我们面前：是留在大城市打拼一段时间还是直接回到县城安家？
我们想留在大城市，可高昂的房价让我们望而却步，想留下来难度实在是太大了。
即使家里出钱付了首付，月供也未必还得起。结合当时房贷5点几的利率，100万的房贷，30年，月供要在6000元左右。刚毕业，能养活自己已经相当不错了，还要掏出6000块钱还房贷，没有家里人的支持，肯定是不行的。
有的索性继续读研或者考公。再努力一把，找份好工作，现在想想，还是挺划算的。
02
农村出身，普通本科院校毕业，做什么工作最锻炼人？做什么工作赚钱最快？那个时候，几乎所有人给出了统一的答案：做销售。
销售岗位在任何时候都是最缺人的。
大学毕业后，有的直接去了房地产公司，到链家、我爱我家上班，听他们说每天上班都要打鸡血；有的去当了基金经理，西装革履，出入高档场所，白天一副成功人士的模样，晚上回来住在500块钱的出租屋里。
那时候，每个人都有自己的梦想，每天都在拼搏努力着！
就这样，安定后，我们在各自的岗位忙碌着，希望能快速把工作做好。
几年后，有的选择回家发展；有的去了北上广深，寻求更大的发展空间；有的因为身体原因，自此离开了人间。
能留在南京的，赚钱买房的执念也变得愈加强烈。
03
我，利哥，小路，文姐最后留了下来。
18年，我们几个相继在南京买了房。
考虑到首付和月供，我和小路买在了江北。每天早高峰挤地铁，经常要两三趟才能挤上去。利哥不想因为每天上下班耽误太多时间，咬牙选择了市区的老破小。
那时，都感觉未来会是一帆风顺。
两代人拼尽全力在大城市安家，早已不是一套房那么我简单，更是农村人走向大城市的执念。只是这份执念，在房价的涨跌里，多了几分说不清的滋味。
从没想过几年后南京的房价会是这番场景，当初拼尽全力买下的房子，竟成了我们心头的一个追问：房子究竟算资产还是负债？
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  1. CONNECT:[ UseTime:0.000324s ] mysql:host=127.0.0.1;port=3306;dbname=b460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000536s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000280s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000303s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000464s ]
  6. SELECT * FROM `set` [ RunTime:0.000190s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000514s ]
  8. SELECT * FROM `article` WHERE `id` = 554169 LIMIT 1 [ RunTime:0.000430s ]
  9. UPDATE `article` SET `lasttime` = 1778114475 WHERE `id` = 554169 [ RunTime:0.003724s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.000614s ]
  11. SELECT * FROM `article` WHERE `id` < 554169 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000434s ]
  12. SELECT * FROM `article` WHERE `id` > 554169 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000389s ]
  13. SELECT * FROM `article` WHERE `id` < 554169 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.003177s ]
  14. SELECT * FROM `article` WHERE `id` < 554169 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.015926s ]
  15. SELECT * FROM `article` WHERE `id` < 554169 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.006854s ]
0.102376s