The current social situation on the mainland is thought-provoking. The total amount of housing loans is close to 38 trillion yuan, while 50% of households have no savings, and 80% of households still have to pay interest and principal on mortgages. This phenomenon means that people do not have enough money on hand. They had to put most of their savings into a down payment and then pay off their mortgage, leaving the rest for education and health care. It is clear that the happiness of the people in this situation is extremely low.
First of all, this social situation shows that the economic pressure of ordinary people on the mainland is everywhere. People have to take on huge mortgages to buy a property. With most of their savings going into down payments and loan repayments, they don't have more financial leverage to deal with unexpected expenses or unexpected events. This financial distress will inevitably lead to increased psychological stress and difficulty in enjoying true happiness.
Secondly, the current state of society also reflects the importance of education and health care. Since most of the household income is already tied up by mortgages, they can only invest a limited amount of surplus money in education and health care. Education and health care are an indispensable part of people's lives, affecting the well-being and development prospects of every family member. However, due to economic pressures, many people are forced to make compromises when choosing education and health care, which is undoubtedly a deprivation of people's rights.
On top of that, the well-being that this social status quo brings to people is not sustainable. With mortgages taking up the vast majority of household income, people's lives have become very limited. They struggle to pursue a higher quality of life and self-development, and can only focus on repaying loans and barely making ends meet. This will undoubtedly lead to the gradual erosion of people's hope and happiness for the future, further exacerbating social instability.
In the face of this social reality, we must think about how to improve people's well-being and build a more equal and sustainable society. First of all, the government should take measures to reduce the financial burden of ordinary people, such as lowering mortgage interest rates and raising residents' income levels. Second, we should invest more in education and health care to ensure that everyone has access to equitable education and quality health care. In addition, there is a need to increase employment opportunities, raise the income level of workers, and create more development opportunities for them.
While implementing these reforms, we should also be aware that improving people's well-being is a complex and long-term task. Only through the comprehensive development of the economy, the improvement of the social system and the strengthening of the social security system can the economic difficulties faced by the people be truly solved and their happiness guaranteed. Only by working towards a more equitable, equitable and sustainable society can people's well-being be fundamentally guaranteed.