Material 1: According to the statistics of relevant departments, in 2002, the amount of personal housing mortgage loans in China was less than 30 billion yuan; In 2008, the national individual housing loan (1)① Living consumption has gradually developed from a low level to a high level. When the level of economic development is low and the income is low, people can only meet the basic needs of life at first. Once the economy develops and the income increases, the consumption of enjoyment and development will gradually increase. (3 points)

With the development of China's economy and the improvement of people's income, great changes have taken place in residents' consumption concepts and consumption patterns. The gradual development of loan consumption in China is conducive to expanding consumer demand and promoting economic growth. (3 points)

For consumers, with a relatively stable income, with the continuous improvement of income, they can borrow money to spend, "spend tomorrow's money to realize today's dreams", which can better meet consumer demand in advance. (3 points)

(2) Establish a rational consumption concept. (2 points) Personal consumption should be based on good income expectations, and should not be blindly ahead of consumption (1 point).

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