The main reason is that the price of cemeteries is so high that you need a loan to afford it. In recent years, banks have launched an endless stream of loan products targeting specific needs. The main reason is that the prices of cemeteries, betrothal gifts, etc. are too high. Nowadays, mortgage loans and car loans are common. Many people cannot afford these two loans. The price per square meter of a cemetery can be compared with the housing price, and the amount of a betrothal gift loan generally exceeds that of a car loan. At present, there is no authoritative cemetery price disclosure platform in our country, resulting in the lack of restriction and management of cemetery prices, resulting in the barbaric growth of cemetery prices. In fact, judging from the financial data disclosed by Fu Shou Yuan, China's largest funeral service provider, cemetery prices are indeed growing rapidly.

In order to strengthen funeral management, promote funeral reform, standardize funeral behavior, and meet the funeral needs of citizens, on September 7, 2018, the Ministry of Civil Affairs announced the funeral management regulations and the revised draft for public comment. The prices for burial spaces and spaces in commercial cemeteries and columbariums are set by the government and dynamically adjusted. The land fees and maintenance and management fees for commercial cemeteries are subject to government-guided prices, while cemeteries are a necessity. There are more commercial cemeteries than public welfare cemeteries, and more and more people are investing in cemeteries. The use of guide prices can indeed play a good role, but without clear regulations to restrict money and people's hearts, cemetery prices will continue to increase.

At present, the price of the cemetery can be affected by the location of the cemetery, the location of the tombstones, the floor area, whether there are guardrails and carvings, etc. Take Taiziyu as an example, not counting tombstone engraving and burial services. The price of the cemetery is generally around 100,000 yuan, and there are even cemeteries with more than 200,000 yuan. In the Futian Cemetery in the Xishan Scenic Area on the outskirts of Beijing, on the edge of the West Fourth Ring Road, the price of a traditional cemetery of less than one square meter is also around 200,000 yuan.

This year Jinlong Ruyiyuan and Yunnan Xishan Beiyin Rural Bank Co., Ltd. located in Kunming City, Yunnan City will launch a cemetery mortgage business. Currently, the cemetery mortgage loan project has been suspended. The single tomb in the cemetery The general area is one square meter and the price is 20,000 to 80,000. Many people cannot afford such a fee, so some companies and banks have launched such a business. Essentially, it is due to the high price of cemeteries.