China, as a traditional savings country, has been known for its high savings rate over the past few decades. However, China's savings rate has been declining in recent years, while its debt ratio has been rising. Due to the soaring housing prices, most families have to borrow money from banks to buy houses, resulting in a rapid rise in the debt ratio of residents. According to statistics, as of the first half of 2023, the total debt of Chinese residents has exceeded 200 trillion yuan, and the per capita debt has reached more than 140,000 yuan. China has gradually transformed from a "big depositor" to a "big debt". In the context of the wave of debt, some netizens raised a question: Ten years later, who will live more comfortably between those who have a house and those who do not?This issue has caused widespread discussion and controversy. Some people think that people who have a house will be more comfortable because they have at least a stable home, while people who don't have a house have nothing. But there are also those who disagree, pointing out that in foreign countries, the proportion of renting and buying houses is equal, and there is not much difference between people who have a house and do not have a house. In fact, whether people who have a house or those who do not have a house live more comfortably needs to be analyzed from different angles.
China's real estate market has experienced many fluctuations and regulations, and the impact of buying a home in different periods is also different. If you were buying a property at the beginning of the century, the gap between those who have a house and those who don't will be big after a decade. The market value of real estate continues to increase, making the wealth of those who have a house increasing, while those who do not have a house are becoming more and more difficult to buy a property in the face of rising house prices. Therefore, it is clear that people who have a house are more comfortable than those who do not have a house. However, if you have bought a house in recent years, in the face of continuous housing prices, people who have a house may regret becoming a pick-up man.
In addition, people who bought homes at high prices are still facing significant pressure to repay their loans. After experiencing the shock of the pandemic, many people have reduced incomes or lost their jobs, and they are finding that the pressure to repay their loans is becoming more and more heavy. Coupled with the continuous annual property fees, maintenance and other expenses, the pressure of life began to become more and more intense. For those who have not bought a house, they choose to live in a rented house, the pressure of life is relatively light, there is no debt, and there is no need to worry about the rise and fall of housing prices in the future, and they can live a comfortable life. Therefore, if you are a person who has bought a house at a high level in recent years, the current life is definitely not as comfortable as that of a person without a house.
In addition, people who own a house have already taken out a loan to buy a house, and there are hardly many options. And people who don't have a house still have a lot of options in the future. For those who buy a house at a high price, they will face the constant increase in housing prices and bear increasing pressure on housing prices. As long as people who do not have a house insist on renting, wait for the house price to gradually return to a reasonable level, and then choose to buy a house, they can not only realize the dream of having a house, but also the cost of buying a house will be greatly reduced. Therefore, people who bought a house at a high level in the past few years will certainly not be more comfortable in the next ten years than those who do not have a house now.
To answer the question of who is more comfortable, we need to consider more factors. First of all, a house is just a part of our lives, and it doesn't decide everything when it comes to comfort. While homeowners have a stable place to live compared to homeless, comfort is also closely related to other factors such as income, work environment, social circle, etc. A person who does not have a house but has a stable income, a good working environment, and a rich social circle is likely to live more comfortably than a person who has a house but has a low income, a high level of work pressure, and a small social circle.
In addition, there are certain risks and pressures associated with buying a home. Homeowners not only have to face mortgage pressure, but also have to take into account the cost of property fees, renovation and maintenance, which can increase the cost of living and financial pressure. Those who do not have a house can choose to rent a house flexibly, and they do not need to bear huge debts for buying a house, nor do they have to bear miscellaneous expenses such as property fees, and they are relatively free to live. At the same time, people who do not have a house are also more flexible in terms of geographical location, can adjust according to the needs of work and life, and are more likely to pursue personal interests and development.
In addition, those who do not own a home can enjoy more investment options. People who own a house invest most of their wealth in real estate, while people who don't have a house can invest their money in other areas, such as **, starting a business, etc., in search of higher returns. In the current volatile real estate market in China, there are certain risks associated with investing in real estate, while investments in other areas may be more flexible and opportunistic.
To sum up, although people who own a house have a certain degree of stability in housing, from a comprehensive point of view, people who do not have a house do not necessarily have a worse life than those who have a house. Comfort is not necessarily related to the ownership of a home, but is influenced by many factors.
In addition to considering housing prices and personal circumstances, personal choices are also closely related to the economic environment. At present, China's real estate market is in the stage of regulation, and the trend of housing prices is not only affected by the relationship between market supply and demand, but also by policy regulation. Under the guidance of the policy, housing prices may decline, and the cost of buying a house will also decrease accordingly. Therefore, for those who do not currently buy a home, they can choose to re-enter the market after the house price**, making it cheaper to buy a house and realizing the dream of owning a house.
In addition, changes in the economic environment can also affect housing prices and personal finances. If economic growth is sluggish and the employment situation is not good, people's income and ability to buy a house may be suppressed to a certain extent. On the contrary, if the economy develops rapidly and people's income increases, the ability to buy a house will also increase. As a result, an individual's financial situation and future economic prospects can also have an impact on the comfort of those who own and do not own a home.
To sum up, for those who have a house and those who do not have a house, it is necessary to consider many factors such as the impact of housing prices in different periods, the financial situation of the individual and the changes in the future economic environment. While homeowners have an advantage in terms of housing stability, homeless people may also have more options and opportunities in other areas, and the cost of ownership is lower. Therefore, an individual's choice and economic background can have an important impact on comfort, and it is not possible to simply give an absolute answer. Ultimately, everyone should make rational choices based on their own circumstances and goals to pursue a more comfortable and happy life.