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Marriage, marriage, and passing on to future generations have been Chinese constant life events for thousands of years.
With the development of social economy, housing has become a primary demand comparable to these two, especially for contemporary young boys, RVs have become a necessary material condition for marriage.
The house is not only a guarantee of life, a symbol of social status, but also a sustenance for the future. Since the epidemic, the economic situation has changed, and the emergence of the tide of supply cuts has exacerbated the pressure of life.
Young people are tired of the house and dare not eat and drink the expenses, is it worth it?
Do you have a room?
Everyone yearns for beautiful campus love, and everyone expects to fall in love at first sight and enter the palace of marriage. However, the reality is always cruel, graduation season is what people call breakup season, countless young men and women break up in tears because of their different things after graduation.
After entering the workplace, you have to face various pressures and various people, and marriage is a talisman in the mouths of parents.
Blind dates have become a compulsory course for modern men and women to marry. The first question on blind dates is: Do you have a house?
Housing is a fatal problem for boys in the blind date market. No house basically has no competitiveness in the blind date market.
In traditional Chinese culture, the house is regarded as an important symbol of the family, and in contemporary society, this concept has been further developed.
Buying a house is not only a sense of achievement and security in life, but also a rigid need for marriage and survival. That is, when you are young and older in the workplace, the company will consider the stability of your work, and whether you have a house in the workplace has become one of the company's considerations.
Therefore, the house has become a new era mountain that weighs on the heads of young people.
The tide of supply outages is coming
What was the most rewarding investment product in China before the pandemic? No matter how many people ask, it's the same answer: house.
At that time, house prices were bullish, and people were full of confidence in the development of the economy and the increase of wages.
Buying a house today and buying a house tomorrow is not only the difference between the investment of more than 10,000 dollars, but also the annualized difference in return on investment.
In order to buy more houses and get more income, people borrow the names of relatives and queue up to buy them. Mortgages have long been forgotten.
As long as I have a down payment, I dare to get in the car, what is the mortgage, and whether it can catch up with the speed of house price rise.
Demolition households and house flippers have become the envy of everyone. The government has also introduced a number of measures such as purchase restrictions to stop it.
The rise in house prices came to an abrupt end with the advent of the epidemic.
Even after the epidemic is over, there is still no rebound trend in sight. During the pandemic, people's incomes were no longer stable, and the randomness of lockdowns was even more painful.
At this time, there have been supply cuts, but people think that this is only the cause of the epidemic.
After the epidemic, everything recovers, and everything is not a thing. The epidemic has been in the past three years, during which the global economy has been down, and the domestic economic development has also faced great pressure.
The thunderstorm of large real estate enterprises such as Evergrande, countless houses that cannot be delivered on time, and declining income, make people's confidence in the housing market fall again and again.
House prices have also languished, but mortgages in the era of high housing prices still need to be paid on time.
Especially for some young people who have not worked long hours and have low income levels, buying a house has become an unattainable dream.
Even if they buy a house through a mortgage loan, the monthly mortgage is a big expense and brings a lot of pressure to their lives.
The malaise of the market economy has brought about the reduction of employment opportunities and the intensification of job competition. Overtime, salary cuts, and job transfers have become new problems for modern young people.
High mortgages and low incomes are in the driver's seat, and the tide of supply cuts is coming.
Do you dare to cut off the supply?
In today's society, the most important thing is cash flow and credit. Cash flow represents your existing wealth, while credit is related to every aspect of your life.
From daily life travel to bank loans, credit plays a vital role in this.
The timely payment of housing loans is an important basis for assessing credit ratings.
If there is a situation where the house is cut off, the bank will record this situation in the individual's credit history, which will adversely affect the individual's credit rating.
This will affect the individual's future loan application, life and travel, and even job examination. More importantly, credit ratings are the existence that accompany people throughout their lives, and even affect future generations.
Many people only care about buying and buying when buying a house, and do not carefully read the legal provisions in it. I think that the interruption of supply is just a trivial matter, as long as I have money in the future to continue to pay it back. Those who think this way are very wrong.
The liquidated damages after the interruption of the supply are first of all a large expense, and the speed at which you can earn money may not be able to keep up with the speed of doubling the liquidated damages.
Secondly, if the supply interruption is serious, the bank will recover the mortgage through legal means.
If they are ultimately unable to repay their mortgage, individuals may lose their homes and face displacement. That's why more and more foreclosures exist.
Banks have no room for mercy on such bad debts. As long as you don't pay it back on time, it will be fined and the house will be closed.
Many people's houses were bought with six wallets empty, and they are the brainchild of three generations of the family. It is a symbol of family.
If you lose your house, it is not only an economic crisis, but also a family crisis. It is not impossible to scatter the wife and the family.
This is also an important reason why many young people have to swallow their anger and work as cattle and horses in the workplace in order to repay their mortgages.
Can you rent an apartment?
For many people, buying a house is a simple thing, and for more people, buying a house is a rotation of the fate of the whole family.
For Chinese who are deeply influenced by traditional Chinese culture, owning their own house means having a stable life and a sense of security and belonging.
In addition, in traditional Chinese culture, owning your own house is also an important symbol of a person's starting a family, which also makes many young people regard buying a house as a task that must be completed.
Therefore, many people can easily say that they can rent a house, and it is a choice under helplessness.
So what are the advantages and disadvantages of buying and renting?
For buying a house, the advantages are obvious, owning your own house can bring a sense of stability and belonging, and at the same time, it can also be used as an investment means to enjoy the asset appreciation brought by the rise in house prices.
The disadvantage is that buying a house requires paying high house prices and mortgages, which is a huge burden for many people.
If there is a problem with the financial situation or a change in personal life, it can lead to the risk of losing your home if you don't pay your mortgage on time.
Renting is relatively more flexible, and you can choose different housing options according to your financial situation and personal needs. At the same time, it can also eliminate the large down payment and mortgage required to buy a home.
However, the stability of renting is poor, and the landlord or housing agent may adjust the rent or terminate the lease contract at any time.
In addition, if you encounter a house repair problem or other disputes, you need to rely on the landlord or housing agent to solve it.
The choice to buy or rent a house should be decided according to the actual situation of the individual.
If your personal financial conditions allow, and you have a stable income and a job, you can consider buying a house. If the economic conditions are tight, or the work and life situation is not stable enough, you can choose to rent.
As for the requirements of marriage, this can only be said to depend on the personal opportunity, depending on whether your partner has mandatory requirements.
A life dragged down by a mortgage
For modern professionals, having a mortgage or not is an important difference between whether you can speak up and refuse inappropriate requests.
For the post-zero and some post-nineties, the most important thing to go to work is to be happy, the boss dares to PUA I squeeze me, I dare to scare the boss, dare to leave at any time.
But for people with mortgages, this is simply not daring. The existence of mortgages first puts great pressure on people mentally.
Monthly repayments on time make monthly wages extremely important. A dispute with the boss means job turmoil and income instability. Therefore, for some harsh requirements, we can only endure the pressure of mortgages silently.
If there is a problem with the financial situation or a change in personal life, it can lead to the risk of losing your home if you don't pay your mortgage on time.
This economic stress can make young people feel anxious, nervous and uneasy, with negative effects on the body.
People are good to be deceived, and horse good is ridden by others, which is not outdated in the workplace. Excessive work pressure will make young people have to work endless overtime to solve problems.
For a long time, not only mental problems, but also physical collapse. This is also the reason why there has been more and more news of sudden death from overtime in recent years.
Then there is the muddle after time compression. After overtime, you just want to lie in bed and be satisfied that this month's mortgage has fallen.
Formal this time pressure and unhealthy lifestyle make people's physical fitness decline faster.
The phenomenon of young people getting tired of mortgages is all too common. In fact, not only young people, but also middle-aged people.
Young people still have the advantage of age, and middle-aged people are facing the crisis of layoffs.
A balanced mortgage
To be honest, it's hard to balance mortgage and life.
Where in the world there are so many best of both worlds, if you want a stable house, you have a stable income, and it is essential to pay.
But having said that, we can't just lose our health for the sake of the house. In work and life, we should pay attention to the reasonable planning of our time and finances to avoid overwork and overwork. Secondly, pay attention to exercise and maintain a healthy physical condition.
In addition, we should pay attention to maintaining a positive and optimistic attitude, and learn to regulate our emotions and mentality in the face of difficulties and challenges.
epilogue
The future direction of China's housing market is temporarily unknown, so those who have not yet entered the market can wait first, so as not to bear a high mortgage and exhaust their body.
In the process of pursuing our property dreams, we should balance earning money to buy a house with maintaining good health, and carefully choose whether to buy a property according to personal circumstances.
For those who have already entered, it is more important to have a good balance. After all, the body is the capital of the revolution, and if the body is gone, there is nothing.
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