The house price is so high now that most families simply can't afford it. There are many rich families, but there are more ordinary families. Therefore, the children of this ordinary family only pay the down payment when buying a house, and then repay the loan every month.

I was born in a third-and fourth-tier city. I bought a house three years ago with a total price of 600,000 yuan and a down payment of 300,000 yuan. Now the loan needs to be repaid every month 1700 yuan. For me as a single woman, a monthly salary of 1700 is very stressful.

Because my salary is only 4,000 yuan a month, after deducting the loan 1700 and insurance more than 300 yuan, I will have less than 2,000 yuan a month. It can be said that I am the legendary moonlight clan, and I haven't saved any money now, so I dare not resign. Even if the work doesn't go well, I will stick to it, because once I lose my job, I won't know how to repay the loan next month. So the loan 1700 is nothing for people with high wages, and it is also very stressful for small employees like me.

My brother bought a house in Dalian this year and has to pay back more than 7000 loans a month. Because the housing price in Dalian is relatively high, the total housing price is also relatively high, and the loan is more than 7,000 yuan a month, 15 years. In fact, this figure is huge for me, and it is certainly good for my brother because his salary is relatively high. My brother and sister-in-law can earn more than 30 thousand a month, and there are more than 20 thousand except this 7,000 yuan. It is stressful for him, but he can bear it. Therefore, it is not a terrible thing to repay the mortgage, mainly depending on your ability to repay the loan.

Now most young people buy houses with loans. Actually, I don't think loans are a bad thing. After all, there is pressure to have motivation.