Although mortgage to buy a house has provided great convenience to ordinary people with economic conditions, being able to mortgage does not mean that everyone can meet the demand for housing. As an ordinary working class, only when the local wage standard is higher than the average level can we maintain the basic living standard after mortgage. For people with a monthly income of less than 5,000 yuan, even in second-and third-tier cities, it is not a medium level. If it is only used to sustain life, it is more than enough. However, it is irrational to use more than half of the monthly income to repay the loan.
It is true that getting married and starting a family is the goal and motivation that every young person should strive for, but getting married and starting a family is a prerequisite. Aim high and don't run amok. You should know that the credit mechanism in today's society is mature enough. Although the monthly income of only 4,000 yuan can bear the repayment of 2,800 yuan per month in a short time, this repayment model lacks a solid foundation, and it will be unable to repay if it is not careful, which will lead to overdue and irreparable losses to personal credit.
As a contrast, it can be judged that if the monthly repayment amount exceeds half of the monthly income, then the decision to buy a house is irrational. Even if the income is stable, we should reconsider the decision to buy a house and make a careful repayment plan when we have some savings and increase part-time income. I believe this is worth pondering by most young people.