1.4 billion Chinese are less able to consume than 330 million Americans

  "There is food in the hand, not panic in the heart ", the Chinese love to save money, in the world is very famous. As the country with the highest savings rate, our people have also been the savings market "frequent customers ". And even if we have money, we also find that many people dare not "consume ". Why is it that the US, with a population of 330 million, has become the world's second-largest consumer of 1.4 billion Chinese? After the study, we found that the deposit had been emptied —— the house.

   Even in small cities with three or four lines, the unit price of the house has reached five figures. At the same time, what is our income situation? Even in the more economically developed east, the average annual wage is only about 68000 yuan, with an average monthly income of 5600 yuan. In front of ten thousand yuan house prices, dare not spend money seems to be very reasonable.

    For most Chinese families, there is a house to have a home. In order to buy a house of their own, two or three generations of people's "empty" savings, has long been used to. Suppose the unit price per square meter is 20,000 yuan or 100 square meters of the house needs 2 million, how many families can take out 2 million at one time? Loans to buy houses has become the majority of ordinary Chinese families "only way ".

   In addition to the down payment of 600000, but also to the bank loan 1.4 million. Assuming that the loan term is 30 years, according to a certain interest rate, double repayment is not a word. Suppose the current interest rate is 5.65, then the monthly mortgage is about 8000 yuan. Such mortgage payments, so that many people in spending become "afraid of the hands and feet ". Not only that, but many families also need two generations to earn money to ease monthly mortgage pressure. And this is only "empty house" price, as well as decoration fees, property management fees and so on.

   When you need to pay 8000 yuan a month, even if you earn 10000 yuan a month, I am afraid you dare not wantonly spend. In addition to the house, we still have a lot of investment in life, such as medical care, pension, and so on. And people live in the world, often not alone. For many families, they also need to support the elderly and raise children. The existence of these relationships is a large sum of money. At this point, we also found that more and more people dare not marry, dare not have children. High house prices not only "empty" savings, but also become an effective "pill ".

   In the sixth census, We've found a growing population of 60 and over 65, And newborns are constantly decreasing. Take the post-90s, The total is only 175 million. And less after 00, Only 146 million people remain. Compared to the post-90s, Less than 33. The post-90s and post-00s compare more than 200 million people in the post-70s and post-80s, The contrast results are obvious. Even if we liberalize the "second-child policy ", There are still many couples who don't want to have children, High house prices have become one of the main reasons.

 Coupled with the fact that people now understand the importance of "cash flow" after 2020. In this environment, more and more Chinese families dare not consume. Buy a house, almost "empty" all the wealth, and then consider education, medical care, pension and so on, naturally want to spend also dare not spend.

   CNMOULDING think, an invisible pressure so that they become more powerful, do you agree?