Mortgage is the chief culprit that leads to the unhappiness of young people. Buying a house by installment is the mountain that crushes the happiness index of these generations after 7' s, 8' s and 9' s. A person buys a house around 3 years old and then borrows for 15 years and 3 years.

paying high interest is calculated based on the loan principal, loan term, loan interest rate and so on. However, when buying a house with a loan, the principal is more and the term is longer, so the calculated interest is a lot, which can even catch up with the loan principal, affecting the sale of the house. The house purchased with the loan is registered and filed with the Housing Authority, and the real estate license or real estate title certificate will always be mortgaged at the loan bank until the mortgage is settled. This kind of house can't be traded freely in the market. Loans with overdue risks are risky. No one knows what will happen during the long-term repayment of loans. In case of inability to repay loans, it will bear a series of overdue consequences, such as overdue reporting of personal credit information.