? On the other hand, the pressure of mortgage is often short-term and will soon be offset by the growth of income. For example, when you buy a house, your monthly salary is 8k. In order to buy a house, you have to pay back more than 3000 yuan every month. You feel particularly stressed. Later, your salary rose to more than 2w, and your mortgage was still more than 3,000. At this time, the pressure on you to repay the mortgage is not too great. With the increase of family income and the improvement of living conditions after living in a new house, it is not only painless to repay the mortgage, but also enjoyable to have a house. People who have been afraid to make up their minds to buy a house will fall into the trouble of not having a house for a long time, and their income will not keep up with the increase in house prices and they will be anxious.
? Now, the education problem in cities is very serious. Compulsory education in many first-and second-tier cities can't accept so many students. Most cities will require the same household registration and real estate before they can attend public schools in their cities. The best hope for adults to work hard outside is that their children can receive a better education. The safest way is to have a house and an account. Therefore, as long as they have the ability, people will borrow money to buy a house and settle in their own cities, hoping that their children can receive better education in their own cities.
The concept of China people is that no matter where they work and live, they only have their own house, so they have a sense of belonging to this place. Therefore, many people who go out to work are willing to buy a house in the city where they work, and work hard to pay off the mortgage every month, just hoping to have a sense of belonging. This is very different from the thinking of foreigners. Foreigners would rather rent a beautiful apartment and make their life better, but China people would rather suffer hardships and own their own houses, so even the poor are willing to own their own tiles.
? China people's financial thinking. House is probably the most valuable way to save money that most people can think of in the market at present. Rising house prices have made many people in China feel that after buying a house, they have to pay interest to repay the mortgage every month, but with the money going, these investments will continue to rise, with a higher rate of return than any other business. Compared with stock trading, many people are still willing to save by buying a house if they can make a down payment and get a mortgage.
? In fact, no matter what causes people to buy a house, have a house and live a stable life, it is actually good. Under the condition that the quality of life is not too bad, it is good to have a house of your own slowly. As for some white-collar workers now, their monthly salary is not low, but many of them are moonlight families. If these white-collar workers can arrange their wages reasonably and have a stable arrangement for their lives, it is actually a good choice to buy a house that suits them.
? The products and consumption of third-and fourth-tier cities are increasingly imitating those of first-tier cities, along with the prices of these products. The soaring consumption level is squeezing young people's ability to buy a house. Limited income, rising house prices and increased consumption are all aggravating the contradiction between young people and buying a house, making young people who want to buy a house suffer from a kind of "poor disease".