This is an interesting question. Now because house prices are rising at an alarming rate, but the money in people's pockets has not increased much, a large number of buyers choose mortgage loans. Although mortgage loans can make people who can't afford houses live in houses at present, they are invisibly burdened with huge economic and economic burdens! Because, if you borrow 300,000 yuan and choose a 30-year mortgage loan, then after the mortgage loan expires, you will withdraw about 300,000 yuan of principal plus 600,000 yuan of mortgage loan interest. At this time, you can easily see how unimaginable it is for banks to achieve benefits!

Say an interesting digression:

Some people may know a short story: an old American lady said before her death: I finally paid off the mortgage on my house, while an old lady in China said: I finally saved enough money to buy a house.

On the surface, some people think that the old lady in the United States is a wise choice, while the old lady in China is "stupid".

However, I want to remind these people that if the national conditions of China and the United States are the same, then, of course, the American old lady's choice is correct, but there are too many differences between the United States and China! Americans may only need to pay one-fifth or even less of their total income in mortgage loans a year, which will not affect their normal lives; In China, did you know that people in China have to pay a certain percentage of their total annual income to repay their mortgage? I tell you, according to the survey, China people get half or more. If you want to repay the principal and interest of the loan with half of your income, your living standard will also drop to half of the original. Excuse me, when you live in a house bought with a loan, can you sleep well with such a burden? Can you still live as chic as before?

So in China, if you don't own a house and your income is only moderate, I suggest you don't choose a mortgage loan, which can only be a trap!