Kunpeng Project
The central bank revealed that China's 400,000 yuan households exceeded expectations
In the eyes of most people, there are about 60 to 80 percent of those who can spend 400,000 yuan at once. You know, there are now more than 4 in the country900 million families own more than 3 million assets per capita, which means that most of the 1.4 billion families are doing well. Judging from this figure, most families in the country can take out 400,000 at a time.
However, unlike what the average person thinks, in China, there are three million family properties per capita, of which real estate is the mainstay, and real estate accounts for as much as 77% of the total assets of residents, and in recent years, the real estate market has begun a big **, which also shows that the value of the house is not high.
Therefore, a house worth a lot of money, and an investment of 400,000 at a time, are completely two different concepts.
In addition, it should be noted that against the background of high housing prices, many people have seemingly higher properties, but in fact most of them have loans. In other words, when you repay the loan, the property in your hand is actually not yours, but yours.
In fact, before that, ** bank had already done a nationwide "survey" and came to the conclusion that 99.3 percent of the people did not exceed 500,000! What a surprise!
Ninety-nine and six percent of the people do not exceed 500,000, that is to say, their savings can exceed 500,000, and the entire 1.4 billion people in China are only 5 million people.
13 trillion deposits, most of which are in the wallets of these five million people. This is not very big from what the bankers say, the gap between the rich and the poor. If that's the case, the probability of 0.2 percent is 98.8 percent of the people.
Let's go back and look at the question, how many people can scrape together $400,000?
Experts say that this figure is less than 1%, and the real number is 07% to 08 percent, 1 percent, that's 14 million people. In other words, 99 percent of the people in the country cannot afford to buy 400,000.
This means that in our country, some people are wealthy, while others are very small. The gap between the haves and the have-nots in our society remains wide.
According to previous official figures, the homeownership rate of China's urban residents is as high as 96%, and more than 40% of the families have more than two houses, even so, more than half of the country's people have more than 100 million yuan of property, but why can the family that can pay 400,000 yuan at a time is not even 1 percent of the 1.4 billion people?
Here are some of the most accurate statistics on this issue:
01 The average salary level of ordinary people in China is generally relatively low.
According to the statistics of the tax department, only 14 percent of the country's 770 million workers have a monthly salary of more than 5,000. In other words, 85% of the country's workers earn less than 5,000 yuan per month.
The average person can save 3,000 yuan a month, and 36,000 yuan a year.
According to this ratio, if you want to save 400,000 yuan, it will take at least ten years to save enough, and it will take a lot of twists and turns.
For example, in recent years, people's wages have increased too little, and in 2023, their monthly wages have only increased by a few hundred dollars compared to 2021.
However, contrary to the slow growth of residents' income, in recent years, China's ** has been increasing every year. Taking petroleum products as an example, in January 2021, 92 petrol was about 6 per liter10 yuan, and in January 2023, the price of the No. 1 gasoline has risen to 762 yuan per litre, and now, the price of No. 1 gasoline has reached 8 yuan.
To be honest, the travel fee alone is worth the first salary.
However, due to the increase in oil prices, as well as other expenses, it will ultimately depend on everyone's monthly salary to sustain it.
With such a low income and high consumption level, it is difficult for ordinary people to save 400,000 yuan.
02The national debt ratio continues to rise.
For those who want to buy a house, they have spent all the money in their family and are in debt for more than ten years. As for those who own a house, they have a sizable portion of their monthly salary to repay their loans, and will continue to do so for decades to come.
In such a situation, if he loses his job, or if he loses his job, he will be saddled with a large debt.
Even if you're lucky enough to not have problems at work, you'll have to pay for tuition, medical bills, and retirement every month, and you'll have even less.
Truth be told, the economic situation has become very bad, and it has become very difficult for many companies to operate normally, and in such a situation, the competition for jobs has become more intense, and many families are very lucky to be able to break even, let alone save money, without having to borrow money to support themselves.
03 Loans in the past, today's "loans to support loans".
In fact, in this era, we ordinary people not only have more opportunities to learn about foreign advanced technology, but also more young people have begun to accept those backward things.
For example, "Spend in advance" (i.e., "for today's things, tomorrow's wealth)" is an example. Driven by this perception, many teens tend to spend money early. According to some data, more than ninety percent of the post-90s generation are in debt, with an average of about 130,000 yuan per person. Therefore, it is too impractical for a person with this kind of debt to be able to make up 400,000 at a time.
What's more, the current social conditions are not good, many college students who have just come out of school have been "forced" to do a takeaway, and the current employment situation is very tense, and those who can't find a job have to borrow money to support themselves. Save? Some people don't necessarily succeed in three years.
In general, the Chinese people are saving more and more, except for Ma Yun, Liu Qiangdong and Zhong Sui, the rest of the people are only 400,000.
Most of them have little savings, and some are also saddled with huge debts, and behind all of this, there is a heavy burden. But for these wealthy people, they are traveling, looking forward to America's economic recovery and using it to gain more wealth.
One can imagine how big the gap between the rich and the poor will be in the future!
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