Chinese housing dilemma: should young people empty their parents' savings to buy a house?

Raise children in the first half of life and buy houses for children in the second half. This is the fate of most parents in China.

There is a consensus that owning a car and a house is a necessary condition for young people to get married. According to statistics, the post-80s and post-90s housing rate in China is 70%, ranking first in the world. Mexico, ranked second, has only 46%.

A few days ago, a pair of "moonlight" parents were hotly debated by netizens because they didn't save money for their children. They are Guo Bolin and his wife Wang Cuiqin. They bought two dilapidated small buildings in Wudalianchi, Heilongjiang Province, and spent nearly 165438+ 10,000 savings to transform the house into a "luxury house" with great interest. Usually playing ball games, playing music, growing vegetables, taking photos and playing, life is very comfortable. They also hired a nanny and a housekeeper to take care of their daily life, and the old couple's pension was spent every month.

For why not save money for children, the two old people said:

A large number of netizens praised the old couple and shouted "This is the right way to love children"!

At the same time, it shows that parents are doing well, and children can rest assured that they will make great achievements in their careers and have no worries.

However, this situation is still rare, and many young people are still struggling under multiple pressures. Young people who let their parents buy cars and houses account for a large proportion, and parents also acquiesce in the concept of "we save money for our children". Did you ask your parents to help you buy a house? Today we will talk about this troublesome thing.

How long can I buy my own house?

According to the data survey, 97% of the young people interviewed said that everyone around them relied on their parents to buy a house. Binding parents to buy a house has become the norm for young people in China.

Since 2000, the real estate industry in China has reached a climax. The speed of building a house can't keep up with the speed of buying a house, and the speed of rising wages is much lower than that of rising house prices.

From 2008 to 20 17:

House prices in Guangzhou have tripled.

House prices in Beijing have increased fivefold.

House prices in Shanghai have increased sixfold.

House prices in Shenzhen have risen nearly sevenfold.

The bigger the city, the greater the pressure to buy a house. The current average house price in Shenzhen is 37,000 yuan/square meter. To buy a house of 100 square meter, the down payment is about 6.5438+0.2 million, and that of Beijing and Shanghai is about 6.5438+0.00 million. 2018-1-in April, the average selling price of new commercial housing in China was 8585 yuan/square meter, up 8.7% year-on-year. Soon, the average price of new houses in China will exceed 10,000. In sharp contrast to the average house price, it is people's average income. In 20 17 years, China's per capita disposable income was 25,974 yuan, equivalent to 2 164.5 yuan per month.

As can be seen from the above figure, Beijing, with the highest average wage, has a monthly salary of only 1 10,000 yuan. In other words, wage earners with a monthly salary of 10000 yuan need to work for 12 years to pay the down payment, and the monthly payment is as high as 17000 yuan. For young people in their twenties who are wandering in first-tier cities, with a monthly salary of tens of thousands, they can't afford not only a house, but also a monthly payment. If they want to buy a house, it's just a pipe dream.

Should my parents help me buy a house?

Not long ago, Fan Gang mentioned "six wallets to buy a house" and instantly boarded the hot search list. Six wallets refers to a couple who want to buy a house. In addition to their own money, they have to rely on their parents, grandparents, grandparents and six wallets. To buy a house, you should "chew on two generations of elders and give the strength of three generations." Empty the old man's pension money and then spend the rest of his life.

Someone commented: "Is this our sorrow?"

Some people also asked: "How ugly is such a person?"

Just, is this their fault?

Wang Sicong also has a question-and-answer session: How do you view the phenomenon that young people spend all their parents' savings and borrow money to buy a house? His answer is: "it is foolish for young people to spend all their parents' savings and loans to buy a house!" "

However, he could not answer. In an era when houses are just needed, do young people really have a better choice to buy houses without eating old people's meals?

Let's look at three questions on Zhihu:

Is it shameful to buy a house by your parents? Is it old-fashioned to let parents buy a car and a house? Will you buy a house with your parents' pension money? We can't say that these three questions are all about the same thing, but for most working-class families, they are the same thing.

What did the friend say?

The first question, almost 100% chose "shameless".

In the second question, 60% said "not conservative" and 40% said "conservative".

On the third question, 70% said "no" and 30% said "yes".

This shows that many people don't mean to drag their parents down, but they don't realize the consequences of their demands, which may make their parents save money for many years and even provide for the elderly.

About "why buy a house with parents' pension money", a close friend said this-

As we all know, there is great social pressure and the reality is very difficult. We really can't afford a lot of things and need to rely on our parents for help. No one says that it is shameful to buy a house by parents, but this is by no means "necessary", "certain" or "should". We should aim at wealth appreciation and rational investment.

There is a dialogue scene between Shu Che and his father in the TV series Go Back, which touched many people.

If you need to ask your parents for help,

Please measure the endurance of yourself and your family.

Don't make excessive demands;

Please go forward fearlessly with your dreams and struggles.

Don't shrink into the ivory tower before you start;

Please know that parents' help is not out of interest, nor is it an unshirkable responsibility.

But because of love.