改善房的回报率高于股票
我认为房子相对于股票，基金，债券，不仅收益高，更多的是安全稳定。
从2002年开始到2017年，部分城市房价图表
我们看到以上的城市都在15倍以上，而中国平均的房价在这些年间也大概涨了10倍。如果你首付30%，用了3倍多的杠杆，房子就涨了30倍。房子的收益是远远高于股票收益的平均水平的。如果你买了股票像上证指数，深圳指数，中小板指数，收益大概在5倍。而如果你买了债券，收益大概只有1倍。而且你买股票很可能是买到的中石油，如果你运气好买到了腾讯，但是总体散户都是亏的较多。
改善性住房如何付款
尽量减少首付，多用贷款。
一般情况下，在允许范围内最低首付即可，还可以减少早期压力，对抗未来通胀
不仅多贷款，期限拉长
贷款时候尽量使用公积金贷款
Improve the return rate of housing higher than the stock
I think that houses are not only more profitable than stocks, funds, and bonds, but also more secure and stable.
From 2002 to 2017, some city price charts
We have seen that the above cities are all over 15 times, and the average price in China has also increased by about 10 times in these years. If you pay 30% down, and use 3 times more leverage, the house will increase 30 times. The income of the house is far higher than the average level of stock returns. If you buy stocks like the Shanghai Composite Index, the Shenzhen Index, and the Small and Medium Sized Index, the yield is about 5 times. And if you buy a bond, the gain is only about 1 times. And you buy the stock is likely to be bought CNPC, if you have a good luck to buy Tencent, but the overall retail is more loss.
How to improve the housing payment
Try to reduce down payment and use more loans.
Under normal circumstances, the minimum down payment is within the allowable range. It can also reduce early pressure and fight future inflation.