How much is the average family debt in first-tier cities a year to be normal?
In which year is the debt of the average family in first-tier cities mainly mortgage and car loan, excluding other expenses, which is the heart of first-tier cities. The debt ratio of new residents who buy real estate will be higher, while the old residents in first-tier cities have little debt because they have their previous real estate and do not need to buy new houses. If the first-line families borrow money to buy a house, they can judge the one-year debt ratio according to the local house price, mainly to repay the mortgage for one year. It probably depends on the local real estate price. The higher the real estate price, the higher the annual mortgage repayment. The loan is 265,438+ten thousand yuan. If you pay off the principal and interest in 25 years, your monthly payment will be less than 20,000 yuan, subject to the loan contract. First-tier cities, such as Beijing, require the annual household income of the post-90s generation to be between 344,000 and 867,000, while key second-tier cities, such as Hangzhou and Chengdu, require the annual household income to be between 74,000 and 457,000 ... Faced with such a big gap, it is difficult for the post-90s imperial capital to buy a house! We obviously work hard and are excellent, but the monthly salary still can't keep up with the house price. I heard the most heartfelt sentence: the house price will wait for me for two years, so let me save money again. For young people, freedom seems to have been bound by high-priced houses for a long time. They dare not do what they want to do, dare not talk about their ideals, and are cautious and treading on thin ice.