The pressure of young people to borrow money to buy a house

According to the data of the National Bureau of Statistics, as of the first half of 20021,the national average house price has reached 10485 yuan/square meter, and an ordinary house will cost more than one million yuan! This is still the national average house price level. If it is in a big city, the number is even bigger. For example, a house in Beijing and Shenzhen costs 78 million yuan, which ordinary people simply can't afford. Therefore, many people say that high housing prices make young people unable to afford housing, but in fact, in my opinion, compared with high housing prices, the mortgage that lasts for twenty or thirty years is the biggest pressure for young people to buy a house.

According to the current housing prices in China, almost all young people will need the help of bank loans when buying a house. If you really want to buy a house in full, according to 100 urban average house price-income ratio 12. 1, including daily expenses, young people need to work for at least 20 years to save enough money to buy a house. Obviously, it is too late to buy a house at this time. Therefore, loans are the mainstream choice of the current property market.

Because the loan only needs to pay 30% down payment, 1 10,000 house only needs to pay 300,000. Although this is still a great pressure on young people, even if they can't afford it, the family can still earn it together, so the house price will not bring too much pressure. What really puts pressure on young people is the mortgage in the next twenty or thirty years.

Based on the current average house price, if the loan is 700,000 yuan in 20 years and the mortgage interest rate is 5.5%, then the monthly payment is 48 15 yuan! If it is a 30-year installment payment, the monthly payment is 37 15 yuan! It seems much less than the monthly payment of 30,000 to 40,000, but you should know that the annual income of ordinary families in China is about 65,438+10,000, which is equivalent to more than 8,000!

I earn more than 8 thousand a month, but I have to pay half or more for it. In this case, the quality of life of ordinary families can be imagined. More importantly, this phenomenon will last for twenty or thirty years, and ordinary families simply can't bear it. What's more, a loan of 700,000 yuan can buy a house, which may only appear in third-and fourth-tier cities. If you want to buy a house in a first-and second-tier city, the mortgage pressure will only be greater.

In my opinion, buying a house with a loan is tantamount to putting a spell on young people, which makes them worry a lot. They dare not do this or that, for fear that they will have no money to repay the loan if they are not careful. Although high housing prices will give young people a headache, the down payment problem can still be solved with the help of the family. However, the mortgage pressure that lasts for 20 or 30 years is the biggest headache for young people. This is also the reason why I have always stressed that buying a house should pay attention to capital and economic strength. Otherwise, after you buy a house, the next month will be miserable.