Whether it is a person who has a house or a house, he or she can empathize with the phenomenon of "debt tide". As a major savings country, China has prided itself on its high savings rate over the past few decades. However, in recent years, as housing prices continue to rise, people have taken out loans from banks to buy houses, resulting in a gradual increase in debt ratios. This trend is especially evident in the first half of 2023, with total household liabilities reaching 200 trillion yuan and per capita liabilities exceeding 140,000 yuan. China has gradually shifted from a large savings country to a large debt country.
So, ten years from now, who will have a more stable life, those who have a house or those who don't?Some netizens have expressed their opinions. Some people believe that people who own a house will be more comfortable than those who don't have a house because they have at least one stable home. And those who have no house have nothing, and life is certainly uncomfortable. However, there are also those who hold the opposite view, arguing that there is not much difference in the proportion of households renting and buying houses abroad, and that there is no significant difference between those who do not own a house and those who have a house.
So, is it the people who have a house or the people who don't have a house that are more stable in the future?To answer this question, we can analyze it from different angles.
First of all, the answer to this question is different for different time periods. If you bought a property at the beginning of this century, after that decade, those who own a house will definitely be more comfortable than those who don't. The market value of real estate is constantly **, and the wealth of those who own a house is increasing. Conversely, the quality of life of the homeless is declining as they become increasingly unable to afford a home. However, if you are buying a house between 2018 and 2021, then in the face of the current house price, those who have a house may regret becoming a pick-up man.
Second, people who bought houses in previous years are still facing huge pressure to repay their loans. After 3 years of the pandemic, many people have lost their incomes or even lost their jobs, and the pressure to repay their loans is very high. In addition, the annual property fees, maintenance and other expenses also make people feel pressured. In contrast, people who have not bought a house choose to rent a house, have relatively less pressure on life, have no debt burden, and do not have to worry about the rise and fall of housing prices, and live very comfortably. So, for those who are buying a house at a high price, the current day is definitely more uncomfortable than for those who do not have a house.
Thirdly, when people who own a house buy a property, their options become very limited, while those who do not have a home have more options. For those who do not choose the right time to buy a house, they will face problems such as continuous housing prices and increased burdens. However, those who do not own a house just need to stick to renting and wait patiently for the time when housing prices gradually return to "residential properties". At that time, they will have the option to buy when the housing bubble subsides, so that those who do not own a home can not only own their own property, but also have a significant reduction in the cost of buying a home. As a result, people who bought a house in previous years may be less comfortable in 10 years than those who don't have a property now.
As can be seen from the above analysis, the answer to the question is not set in stone, but depends on the specific time and place of the purchase. If you buy a house at the right time, people who own a home may have a more stable life because they can enjoy the benefits of the appreciation of the property. However, if you buy a home at a high price, those who own a home may face the risk of increased burden and shrinking assets. Conversely, those who do not own a home can opt for a more flexible approach to housing and wait for future home opportunities. As a result, for those who bought a home at a time of high home prices, life in ten years may be less comfortable than those who don't have a property now.
Over the past decade or so, the debt ratio of Chinese residents has been rising, mainly due to the continued rise in housing prices. Therefore, the question has been raised as to who will be more comfortable in ten years' time, those who have a house and those who do not. Through analysis, it can be found that the answer is not a simple yes or no, but varies from person to person. It's all about when and where to buy a home, as well as your financial situation and lifestyle.
Overall, buying a home is a big decision, and you should make a choice based on your own conditions and future plans. It is not possible to judge the comfort of life simply by having a house or not having a house. Family happiness, personal growth, and social relationships all play an important role in our lives. Therefore, whether it is a person with a house or a person without a house, we should make the most suitable choice according to our actual situation and take responsibility for our choice.