As we all know, Chinese like to save money is famous in the world, and the savings rate once reached 50%, becoming a globally recognized saving country. However, in recent years, China's savings rate has fallen below 44 percent, while the debt ratio has been rising. As of the first half of 2023, the total debt of Chinese residents has suddenly reached 200 trillion yuan, and the per capita debt is more than 14 trillion yuan.
The reason for the rapid rise in the debt ratio of Chinese residents is that domestic housing prices are getting higher and higher, and the vast majority of families have to borrow from banks to buy houses. According to the data, the scale of housing loans for residents in China is close to 39 trillion. Obviously, China has gradually changed from a "big country of deposits" to a "big country of debt".
In the face of the "debt tide" that has arrived, some netizens proposed that ten years later, who will be more comfortable with those who have a house or those who do not?In this regard, many residents said that people who have a house are definitely more comfortable than those who do not have a house, and those who have a house at least have a stable home. People who don't have a house have nothing and are certainly uncomfortable.
However, there are also objections: the proportion of households renting a house abroad is 49%, and the proportion of families buying a house is 51%, and there is no big difference between those who have a house and those who do not have a house!In fact, if you choose to buy a house in an area of historical high, after 10 years, homeowners will not be more comfortable than homeless.
For 10 years from now, who will be more comfortable with people with a house or those without a house?It is mainly analyzed from the following three aspects: First, the answers given in different periods of housing prices are not the same. If you bought a commercial house at the beginning of this century, then after 10 years, there will be a big gap between those who have a house and those who don't.
The market value of the house in the hands of people with houses is constantly at the top of the market, and the more people without houses do not buy houses, the more they cannot afford to buy houses. Obviously, people who have a house are more comfortable than those who don't. However, if you bought a house at an all-time high from 2018 to 2021, in the face of the continuous shrinking market value of housing prices, people who own a house will of course regret becoming a pick-up man.
Second, people who bought houses when housing prices were high in previous years will now be under a lot of pressure to repay their loans. Mainly after 3 years of the epidemic, many people have reduced their income or lost their jobs, and these people will feel that the pressure to repay their mortgage is too great. Coupled with the annual property fees, maintenance and other expenses, I feel that I am about to be unable to support it.
For people who have never bought a house, they live in a rented house outside, the pressure of life is relatively light, debt-free and light, and they do not have to worry about the rise and fall of housing prices in the future, and they live a very free life. Obviously, if it was a person who bought a house at a high position a few years ago, he would definitely not be as good as a person without a house now.
Third, people who have a house have taken out a loan to buy a house and don't have many options. And people who do not have a house still have a lot of choice in the future. For those who buy a house when the house price is high, they will have to face problems such as continuous housing prices and increased pressure to hold houses. And those who do not have a house, now as long as they insist on renting, slowly wait for the high housing prices to gradually return to the "residential attributes".
At that time, you can choose to buy when the housing price bubble is squeezed dry, so that people who do not have a house will not only become homeowners, but the cost of buying a house will also be greatly reduced. Therefore, people who bought houses at a high level in the past few years will be far less comfortable than those who do not have a house now in the next 10 years.
In the recent past thisOver the years, due to the continuous increase in domestic housing prices, the debt ratio of Chinese residents has continued to rise. So, someone proposed,After the year, who has a house or not, who is the most comfortable?
In fact, it depends on the specific time and location of your purchase, if you buy a house when the house price has just started, you must be more comfortable with the buyer than the houseless. However, if you bought a house with the highest house price in previous years, then the buyer is definitely not as comfortable as the current houseless person, because the houseless person does not need to bear the heavy mortgage pressure, and at the same time, the houseless person can also take advantage of the future house price **, buy the **low house, the cost of buying a house will be greatly reduced.