Transfer: I still cannot buy a house if the monthly income is 19 thousand

I write this article Article The purpose is not to discuss with people, but to share with you the opinions of young people who need to buy a house after a job in the 80 s period, I welcome the discussion but refuse to quarrel. I just hope that all those who read this article will be able to see the whole one by one, so as to better summarize and grasp the laws and directions of economic development. In addition, I only think that the mechanism does not talk about politics. If there are any violations, please forgive me.

I will introduce my personal situation without any false or exaggerated content. I graduated from top 2 universities in China after the 80 s. I joined the job in 05 years and worked as a professional manager in a foreign company in Europe. My current monthly salary is 19 thousand, after three months, it rose to about 2.2-24 thousand. If you work in a city other than Beijing, you will receive an additional-monthly allowance. Salary increases every year, from 15% to 30% at a time, and increases by 50% if promoted. Four insurance, one gold plus additional commercial insurance, the transportation and communication expenses are basically all reimbursed, work is not very busy at ordinary times, all the statutory holidays are rest plus paid annual leave ranging from 16 to 30 days. This income is acceptable within the industry based on the working life. It may be because the promotion is fast and the boss takes care of the salary increase several times. I don't think my income is very high. If someone is out of the sky, the income of different industries will be very different. For example, one of my very good colleagues went to an investment bank after graduation, the total revenue in three years is about 7 million (of course, these few are also affected by the industry cycle), but there are also those whose total income within three years of graduation does not exceed 20 W, such as being a civil servant. The profit margins of different industries are different, so I will never compare my income. To make money, I hope that I can exchange my own abilities in exchange for a well-managed income. When I am young, I will accumulate some experience without worrying about the temporary gains and losses, my biggest achievement of this job is that I have gained a very high platform to learn and practice business knowledge and management experience as soon as I step into the society, laying a good foundation for creating my own business in the future, in the industry, I am more focused on learning. In the future, I think I may jump out of the industry. After all, professional managers will encounter glass roofs in the workplace. I have always appreciated a sentence: "If a gentleman is far away from him, he will have to wait. If the gentleman is big, he will have to endure it. If the gentleman is ambitious and wide, he will have more than enough knowledge, it must be far away and big ".

Let me talk about my current views on purchasing a house: I am determined not to buy a house under the current circumstances. The main reasons are as follows:

1. the first reason I don't want to buy a house: I can't afford it ---- I didn't have any savings when I graduated. I had a monthly salary of 10000 yuan every month. The second year rose to 13000/month, and the third year rose to the current income, when I first got a job, I found that I wanted to buy a 0.7 million house, with a down payment of 20-30 million yuan and a loan of 40-50 million yuan. Now, I have invested all the money in it, at least 1.5 million ..., That is to say, I couldn't afford it when I graduated, and now I find it even more affordable!

Analysis: Is this normal?

1) As I mentioned above, I think a student who just graduated from a master's degree should not be at least a low salary of about 0.12 million yuan (no inflation at that time, this wage standard is quite competitive in 05 years ).

2) My personal promotion and salary increase speed and scope are not slow. Even in the whole industry, we can say that although the current job-hopping can reach an annual salary of about 0.4 million, but it is not the best time for me.

3) even in the best colleges and universities in China, the company I join also recruits the most outstanding students (each school can recruit no more than 10 people ), therefore, at least none of the students in other companies (except for some financial departments, just like that guy) have greatly exceeded my income.

In this case, I or we still cannot afford a room. Is it normal or not? If you can't afford it, it's still normal, but it's not normal if you can't afford it.

2. the second reason for not buying a house ---- I will not accept the support from my parents to buy a house ---- my parents have been working stably. My father has made several successful investments in the past 10 years, therefore, they have accumulated some wealth. They are also willing to help me buy a house in Beijing, buy a car, or even buy all the money. However, I firmly do not agree to accept their support, even if it is only a 30% down payment! I don't think it is right for an adult not only to support his/her parents but also to help his/her parents buy a house if they have the ability to work. In addition, according to my understanding of China, many Chinese families buy a house for their children's marriage and will do everything for two generations, three families, and six people (this is quite normal, in China, the total wage income of many workers' families is 20-30 thousand? It's amazing to be able to serve your children after they finish college! The young couple got married after graduation and had no savings), so we should consider whether this phenomenon is reasonable.

Analysis: is it normal to buy a matchbox with all the wealth of several generations?

1) when it comes to this, many people say this is normal, because the housing is just needed and you have to buy more expensive! However, is the so-called rigid need a real rigid need? Is this just necessary? If the price of a house rises to 0.1 billion yuan, all Chinese people will need it!

2) looking at China's economic environment, it has been pushed to the verge of collapse by the squeeze-out effect of Real Estate. Who can ensure that you will not be unemployed during the next few decades? Not ill? Now, people who are real slaves should be glad that they still have the qualifications and physique for being real slaves. If you lose your labor or are suffering from a financial crisis (it is already on the verge of an explosion and is almost inevitable) when a large number of idle labor forces are created, even slaves are not qualified! I don't know why some people will put pressure on their expected incomes for the next 20 or even 30 years. China's reform and opening up will only last 30 years. In these 30 years, china has not experienced major wars, disasters, and economic crises, but does this mean it can be avoided in the future? You have seen that your income has been rising slowly in recent years, but can you ensure that your income will continue to rise in the next 20 years?

3) now many of their peers in the Post-80s are married, which has led to the phenomenon that the two companies have made up money to buy houses for their children. You know, the young couple in the post 80 s are still young, and they are still in the "rising career period". Now they have no children, and their parents are still healthy. What about the next 10 to 20 years? Maybe your career has already entered the waiting period (Men 35, women 30) or even the recession period. Looking at the situation around you, you may be laid off at the time of 45, at that time, the children were not yet adult, their parents were old, and they were likely to suffer from illness. Do you expect your country to provide you with excellent educational support and medical support? My grandmother was hospitalized in 03 years. I paid several thousand yuan of hospitalization expenses every day. I handed over my grandparents my life savings to the hospital within one month (my grandfather retired cadres, although my grandmother was retired, their factory went bankrupt.) She was discharged from the hospital and died ...... When my grandmother died, she was a 60-Year-Old Party member. If she didn't have any culture, she would be at least a municipal cadre, but at last she did, she has been hospitalized for a long time. During her lifetime, she was very diligent and saved every cent of her money. Maybe she wanted to leave it to her children and grandchildren, but she did not expect to leave it to the hospital in the end-this has a great impact on me, I have never affected my quality of life by saving money. When our parents faced this situation decades after our Yongchuan talent network was born in 1980s, when we made a choice between huge medical fees and our loved ones, I will not hesitate to choose the latter, even if it may put me back on debt for decades! Some time ago, a friend of mine had leukemia. From my diagnosis to my death, I spent a total of seven months on medical expenses of more than 0.5 million. In his words, "even if there is 1% hope, I also want to give it a try. "What is the need for a house in front of life? We can see that in this foreseeable future scenario, do you think it is really risky to overdraw decades of income and spend all your parents to buy a house? In other words, do you dare to resign in the next few decades? Some netizens may say "I dare or I know XX dare". In fact, you and I all know that most people do not dare.

3. Third reason for not buying a house: no house slaves! No slaves! When you become a house slaves, ask yourself, "Who am I a slave ?" I am a taxpayer. Every month, I will pay more than 2000 yuan of income tax and 1500 yuan of pension insurance to the country. At the same time, the company will also pay several thousand yuan of social insurance for me, I never expect my retirement to be able to survive the pension insurance after 30 years, and the illegal use of social security funds is no secret. If the money can be used in the places where it is needed and the people who should help me, I have nothing to say. I am a Chinese and I am willing to do my part of social responsibility. However, the situation is as follows: A large part of the money is transferred to the pockets of the individual by interest groups in various ways. OK, I recognize it, but it's 'senough! I will not allow them to use the land or the name of what they just needed to plunder, so that I will pay a sum of money every month for the next few decades, I do not want to honor my parents, create a career, and eat, drink, and play! Because I am still single, I now share a second-ring house with a buddy (rent/sale ratio: 320: 1, the House interest is enough to pay the rent). I usually play basketball and exercise well, when I went out for a tour, I would like to have a friend, go back to school to listen to lectures, read books, and have a massage with a Chinese doctor, the refrigerator room is filled with ice cream. :) I want to watch TV, watch TV, play games, and never pack my house on my own. I have to ask an aunt to clean my shirt regularly and ironed my shirt, at midnight, I got hungry and went downstairs to eat meat strings and drink beer. The so-called life must be full of joy! Haha, you can't help swearing: "You just need it. You just need it ".

Maybe we are lucky. We all have the chance to experience the biggest economic crisis in our life. Real estate has kidnapped banks and kidnapped China's economy. Over the past few years, the huge bubble in real estate has led to a huge amount of money supply from the Central Bank. The nearly double-digit GDP each year has led everyone to be blindly optimistic about China's economy, borrowing and advanced consumption have become a common trend. Since the beginning of, inflation is only the prelude. These inflation is only due to the "controllable inflation" caused by the property market and the stock market surge. When the whole economy suffers from large-scale inflation, in particular, after the oil price, coal price, and electricity price are gradually released, inflation will enter "uncontrollable inflation", which can only be used to stabilize inflation by raising interest rates, but when raising interest rates to a certain extent, those who carry huge loans to buy a house or speculate in real estate will not be able to pay heavy loans. The capital chain of the whole real estate will inevitably break down, house prices will plummet, and there will be a lot of houses in the bank to be realized, the surge in supply is bound to lead to a new round of slump. The result of a vicious circle is the formation of a large number of bad loans in banks. Banks in China cannot go bankrupt. The Central Bank can only issue additional banknotes to fill this gap, the further increase in the supply of money has led to greater inflation. Panic groups sell a large amount of Renminbi in exchange for foreign currencies. The RMB has changed from internal devaluation to full devaluation, and the overall economic crisis has exploded, the "vicious inflation period" is coming! What we will wait for will be the so-called "Ten Years of loss" like Japan, and even more, and the payment will always be done by the common people. Maybe, the vampires who have swallowed up their blood through the property market in the early stage have long replaced their hands with foreign currency, and spent the rest of their lives in a foreign coastal mansion.

There are still many people shouting that house prices will never fall or rise! These are classified into three categories: one is the spokesperson of interest groups, where the subject points out, and the other is the speaker of interest groups. The other is the real estate speculators who have invested in several real estate projects. Congratulations, you're in the trap! Believe the Black Hand behind the scenes, "Do you want to go out when you come in without leaving your underpants? You cannot run it !" But like the stock market, these people won't believe it if they don't lose their underpants. :) (Voiceover: Friends in Shenzhen, OK? Where are you? Let's hear your cheers !) The last category is the ordinary people. In fact, they are forced to purchase a house. They are very happy to see that they need to buy 1 million Yuan for 1.2 million yuan and feel that they have earned 0.2 million yuan, in fact, if you live on your own, it will rise to 2 million, and you will not be able to stop it? If a rogue says, "Come, let me rape you 10 times, I will give you a suite ", and one day you heard that the neighbor had been raped 12 times to get the suite, and you were very happy ??? They are common people and victims, so they have to suffer more harm than others, right? A little bloody. Don't be raped easily, OK ?!

After talking about this, my views are clearly expressed. I think the vast majority of Chinese people have a conscience. Now we are in the most difficult situation, maybe we don't know what to do, but at least we know what we shouldn't do-not just for you and me, but for those who grasp the lifeblood of the country! Year 08 is a difficult year. In addition to the potential economic crisis caused by various natural disasters, we wish China a strong presence in the face of 2008, and the country will be fine!