I would rather hollow out their parents' savings, and go to the city to buy a house?Now the young people regret it, the reason is cruel

"There are as many as 70%of the post -80s and post -90s generations, ranking first in the world, but behind this glorious data is the history of countless families."

Young people hollow out their parents to save the house

Since 2012, the marriage rate of Chinese youth has declined year by year. In 2012, it was 9.9%, and in 2018, it fell to 7.2%, a record low of this century.

At the same time, although the two -child and three -child policies have been released, the birth rate can still decline year by year. In 2016, the birth population was 17.86 million, and in 2021, it had fallen to 10.62 million.

From the above data, it can be seen that China is afraid to step in Japan and enter the "low desire society". This is also the sentence: high house prices are the best contraceptives.

Since Japan's real estate bubble in the 1990s, the consumption philosophy of young Japanese has changed fundamental changes. Many people have begun to rent a house and will not carry huge mortgages and loans. But in China, the main goal of young people is still a house, and everyone often starts to buy a house after a few years.

After all, in this society today, the house has become a necessary condition for young people. Whether it is for marriage or children's education, there is a house.

The reason why young people are so anxious to buy a house are actually seeing the huge room for house prices. In the past 20 years, housing prices in first- and second -tier cities have risen significantly, and a house is more than 2 million. 10,000 yuan.

But those who bought a house early have obtained huge profits from the house. It is not a dream to rise hundreds of thousands of millions of millions of millions of millions. Therefore, many young life is afraid that the house prices will rise higher and higher in the future, so they hurry to buy the house.

However, young people have poor economic capabilities, many social activities, and general expenses. Few people can buy a house in full. They can only choose to help their parents and buy a house by their parents' savings.

Some survey data show that 97%of the interviewed people are buying a house by their parents. Often, they buy a house to empty the savings of the whole family, but it is just the down payment. The young people still have to continue to pay the loan.

It is reported that as of the end of 2021, China's personal loan cumulative was 3.83 trillion yuan, while 43.3%of the urban groups had loan pressure, and the urban population was about 243 million people. In this way

Rural people are also the main contributors to buy a house. In order to have a higher quality of life, they will also choose to buy a house in order to allow their children to have a better educational environment. It is the era of "national debt".

Now regret it? The reason is too cruel

It stands to reason that after buying a house in the city, everyone's quality of life will be up to a step, and the medical and educational resources that enjoy are comparable to the countryside, but even so many people still regret it. Is this going on?

1. The monthly supply pressure is too great

The down payment is just a small step to buy a house, which only means that you have the right to live in a house. Once you do not pay the monthly supply for a few months, the house will be recycled by the court.

The higher the house price, the lower the down payment, the greater the pressure on the monthly loan. For most young people, they have not grown into an elite talent in the workplace, and the salary income is difficult to exceed 10,000. For mortgages, there are not too many money that can be used for family expenses. Many young people also lose confidence in marriage and fear that they can't afford themselves.

Once you enter the marriage career, children's milk powder money, educational expenses, parents' pension costs, daily life expenses, and human relationships are not small expenses. The quality of life of young people will only plummet.

There is a blogger who complains on the Internet. He is a high 985 student in Beijing, with a monthly salary of about 30,000 yuan. support. Who knew that the company was not good, he was layoffs, without the source of income, and could not find a suitable job for a while, which put the whole family in trouble.

In fact, there are not many people who have experienced the same blogger. Their second half of their lives are bound by mortgages, lost freedom and happiness, dare not consume every day, and have poor quality of life. Even buying fruits must be considered. Life is as thin as ice.

Once unemployed, it is not a solution to save money. It may eventually be forced to sell houses to return home. These people will inevitably regret it.

2. House price depreciation

Since 2000, my country's property market has entered a golden period. Numerous people have devoted themselves to buying a house. The speed of building a house is not as enthusiastic about buying a house. The wage increase is much less than the increase in house prices.

For example, in the 10 years from 2008 to 17 years, Beijing house prices have risen five times, Shanghai house prices have risen 6 times, and house prices in Shenzhen have risen 7 times. Those who buy houses in first -tier cities can be worth for their houses. Million.

However, in the past two years, the property market has entered a depression period. Those buyers have fallen in the face of house prices, thinking that their hard -earned money has been drifting, and it is difficult to accept.

From the perspective of the property market in August, the prices of 100 new houses and second -hand housing nationwide continued to fall from the previous month. Except for Tianjin, Xuzhou, Wuxi, and Nanning, house prices in other cities fell without exception. The decline reached 74%. The housing prices in the provincial capitals of Chengdu, Zhengzhou, Nanjing, Dalian, Changsha and other provincial capitals also fell more than 20%month -on -month.

From another data, as early as the fourth quarter of 2020, house prices have entered the era of 10,000 yuan. However, in the first half of 2022, the average housing price of housing prices in the country fell to 9586 yuan per square meter. For young people, a house that has worked hard to buy is now depreciated, and many people are difficult for many people to be happy.

3. Have guilty to parents

The Chinese have the psychology of "raising children and preventing the old". The reason why they spent all their savings to buy a house for their children is to make themselves better in their later years. But in fact, the age that should have been resting, parents still have to continue to work hard to help themselves repay their mortgages, and they have fallen into a disease.

For example, a sanitation worker Zhang, a sanitation worker in Zhengzhou, ate the dumplings issued by volunteers. He was excited and said that he had never eaten dumplings for a long time. His salary of 220 yuan per month, of which 2,000 yuan will be repaid for your son, and you can spend only 120 yuan per month.

It can be seen that in order to repay the mortgage, many young people overdraft their parents' later years, and they did not stop until they could not move. However, it is difficult for parents to treat them even if they are sick.

In order to set up a house, not only did the savings of the whole family, exhausted the rest of their parents' lives, but also put on my own half of my life. Is this worth it? When others go out on weekends to travel and leisure, you have to work overtime, just to repay the mortgage, wouldn't this life be wasteful?

In fact, if the family conditions are limited, there is no need to follow the trend to buy a house in a big city. You can choose to buy a house in your own county or build a villa in the countryside to put more energy on things with valuable life. No regrets.

Discussion questions: Will you be bundled by house prices for a lifetime?

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