Shark Hung caused chaos on social media at the beginning of the year with the view of "settling down": If you have 1 billion to borrow 4 billion, you will repay the debt for a lifetime.

Contrary to the concept of buying a house as quickly as possible of many young people, Shark Pham Thanh Hung said that "if you cannot determine the purpose, you should not buy early".

People often spread the saying "settle in happiness", meaning that the accommodation must be stable to be assured of many other things. Therefore, buying a house is a plan that many young people draw out early. However, to realize the dream of "owning", the financial factor is the core issue. The question is, in the context of rapidly increasing market prices and wages still "standing still", is it advisable to borrow to buy a house?

Appearing in a conversation at the beginning of the year with the topic of investment and savings with "hotgirl 7 languages" Khanh Vy, Shark Hung (real name Pham Thanh Hung) gave the answer to the above difficult question. Vice Chairman of the Board of Directors of Cen Group expressed his opinion: "If parents give 1 billion VND and I have to manage the missing 4 billion VND, then buying a house early may need to be reconsidered."

To reinforce his point of view, the owner of the humorous "close the deal" phase further explained: "If we own a house too soon, our whole life is just to pay off debt. The reason is low income, heavy burden. debt repayment burden is too high (i.e. financial leverage is far beyond income capacity) Since then, we will have no money left to use for investment in increasing assets... If not determined If you achieve the goal, you shouldn't turn the house into a liability, you have to work hard to raise it." Renting a house will then become a wise and extremely safe choice.

The view of the "shark" received the support of the majority. Most people think that even if they have a loan of 4, they can't pay it when they work hard and can't pay it: "If you have 70-80% money, then buy it, borrow 20% to breathe", "You should buy within your means, if not, buy it if you can't. rent and accumulate more", "Young people hit the house too much, losing all investment opportunities"... However, mixed opinions are not absent. They believe that young people should borrow to buy a house to be motivated to continue "plowing".

Since "airing" a TV program about startups, Shark Hung has become a name that has received the attention and love of many people. Not only is he an assertive businessman in the market, he is also impressed by his humorous but equally sophisticated story. Shark Hung is even more conscientious when regularly "revealing" business secrets, getting rich as well as giving frank advice to many young people.

Not long ago, the 7x "shark" also expressed his opinion on the issue of "buy first, pay later" through the story of young people buying cars. For the purpose of coloring, because of the habit of "bare face", so regardless of whether it is borrowed or installment, you still wear it, just have it in your hand first and then continue. For Shark Hung, it's like putting yourself in the scene of "one neck and two lenses".

"Two lenses" as explained by Shark Hung is the car itself (which is called a liability) and another lens is the object of the loan. He clarified: "The car it swallows us not only for gas, deposit, insurance. It also swallows us in that when we ride it, we have to eat at a restaurant with parking space, and sleep at the restaurant. The hotel has a parking space, must go with a girlfriend worthy of the car. It costs there. It is a liability there."

However, not all of this shark's opinions have received the consensus of many people. Before that, Shark Hung was controversial with the point: "If you want to jump jobs, don't think about a few Tet bonuses."

Specifically, when asked that "The New Year is coming, should I jump the job or wait for the reward?", Shark Hung frankly said that the job-hopping does not depend on the Tet bonus. In your opinion, is it better to change jobs or not depending on the new job?

The businessman said: "This is not dependent on bonuses. If you already want to change jobs, it is important that you have other better jobs? Not for a few bonus coins, if you If you try to get a reward, prolonging the time, you may get reviews that are too pragmatic. Decide for other factors, should not stay or go. leave for the bounty".

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