China's 30% households in debt up to 40% cities to work for collection payments

10 years ago, banks were instilling in them the idea of debt consumption with tomorrow's Chankon today's dream. Now, many people have been tired. Under the impact of bank credit products, such as mortgage, car loan, decoration loan, credit card and so on, many people have become house slaves, car slaves and slave slaves. According to the Wuhan branch of the Department of Management data show: To this February, Wuhan City personal consumption loan balance of 69.2 billion yuan. If the city's 8 million resident population calculation, Wuhan per capita loans of 8650 yuan.　　2008 Wuhan City per capita disposable income of 17000 yuan.　　　　According to this calculation, Wuhan per capita debt rate of 51%. Three into the household debt up to 40% of the security ratio should be less than 30% days ago, China Merchants Bank released the 2009 Chinese urban Residents Wealth "sub-health" report.　　The report shows that many of the domestic residents of the personal and family financial "sub-health" phenomenon, 30% of household debt up to 40%. The survey reported that among the respondents, 33% per cent of the "Moonlight Clan" with a savings ratio of less than 10% per cent, with a consumption ratio of more than 60% per cent, and a population of seven to a single income group, with individuals and families likely to be paralysed as a result of the lack of financial resources once their income is interrupted; and close to 30% Respondents ' household debt ratios were above 40%, and high debt ratios had severely reduced their quality of life.　　Even more frightening is the risk that a financial crisis could reduce household incomes and affect debt payments, and that they be imposed until banks freeze or recover mortgage properties.　　Therefore, the report that the current domestic residents do not know how to debt consumption, regardless of actual income and blind loan consumption, will seriously affect the quality of life in the future, the formation of family financial "sub-health."　　A monthly income of 1500 yuan and 1700 RMB the Hankou citizens Yao and his wife are migrant workers, the monthly salary of the two people can not add up to 1500 yuan, there is a secondary school children to support. At the beginning of May this year, Mr. Yao and his wife went to Zhongshan Park to play, see the opposite of the new Wu exhibition is holding a house meeting, then holding the waiting mood went in.　　Unexpectedly, each exhibition hall of sales ladies are enthusiastic to pull them to see the house. So, they go to a free bus to Panlongcheng a real estate, immediately by the sales Miss Tongue to "fans" live, sales miss recommended them to buy a three-room two halls a total of more than 120 square meters of the house.　　Eager to have their own house Yao husband and wife, Zi to pay 10,000 yuan, signed a pre-sale contract.　　Back home, in the relatives of the inquiry, Mr. Yao only know the total price of the house to 350,000, the other months for how much, how long to pay, the first down to pay how much money, and so on, ignorant. After that, Mr. Yao began to worry.　　The next day early in the morning, he and relatives find developers, a calculation, according to Mr. Yao's 50-year-old age, can only loan 10, each month must be more than 3,000 yuan. What to do? Check-out means a loss of 10,000 yuan in reserve. At Mr. Yao's repeated requests, the developer agreed to change the grand room into a small house with two rooms and a hall, which is monthly for1700 Yuan. This month's supply still makes the couple feel economic pressure. The first two months of the month, or friends and relatives borrowed hundreds of yuan to pay.　　Their worst plan is to sell the house if it is not ready for the month. The husband and wife of the house was stuck with Mr. Yao compared to live in Wuchang small side of the economic conditions are much better: both themselves and their wives work in public institutions, the monthly wages add up nearly 8000 yuan. But the small side, like Mr Yao, is on the verge of economic collapse.　　The reason: Buy three houses at a breath. "Originally wanted to make a few money, didn't expect the house has been sold, this loan pressure is too big."　　"Fang complained:" 5 years ago, he and his wife just married, bought a new house, parents pay down, 2000 yuan a month for their own also, due to the monthly pressure is not big, they will be a succession of fancy two houses, the purpose is to make money by speculation. Logically speaking, three units of the month to add up, only more than 6,000 yuan, fang couples should be able to withstand, but born after 80 of them, usually spend money recklessly habit, the remaining 2000 yuan every month where enough? So they rented out their new house and moved back to their parents ' homes.　　In this way, eating is to eat parents, basic household expenditure savings, but the family contradictions are coming: small side of the wife and Fang parents often have minor contradictions. Helpless, early this year, Fang repossessed the rental room, and his wife moved back to their home. They decided to sell the house and not be a house slave.　　But the house hanging in the second-hand housing trading online for more than half a year, has not yet sold. Abusers 3-month overdraft 15000 yuan urgent white parents hair live in Wuchang East Pavilion Xiao Liu, after graduating from a formal work, monthly income dividing block, supposedly eat not enough, but he lived in a friend but very chic. He will often switch to trendy mobile phones, often go to bars bubble, dinner restaurant.　　Originally, his "unrestrained funds" are from the credit card overdraft. Last October, a credit card bill was sent to Xiao Liu's home. At first, Xiao Liu received and secretly tore off, not to let parents find.　　Later, the bank's collection clerk called home, only to make things exposed.　　After seeing the collection letter, Xiao Liu's father was so worried that his hair was white, because it was a family with little spare money. Xiao Liu's father let Xiao Liu hand over 3 credit card collection letter, found that the total overdraft amounted to 15000 yuan, and the family's savings only more than 5,000 yuan. This 10,000 yuan Gap, let the old couple for a full three days did not sleep.　　But in order to avoid high penalty, Xiao Liu's father had to borrow 10,000 yuan from relatives, also the bank account. Now, Xiao Liu father every day to the neighboring restaurant to be a cook, make money to small Liu debt.　　In order to avoid small Liu continued overdraft owed debt, he confiscated Xiao Liu's identity card, strict rules he must go home every 6 o'clock in the evening. Banks sing "HI" this year, the banks to stimulate credit card consumption, big credit card concessions, attracted many cardholders"Hi Brush".　　So, created a group of "card slaves", they worry about the bill month. Miss Wang, who works as a clerk in a company, is tempted by a lot of discounts to run 3 different bank credit cards. Now, she saw beautiful necklace, beautiful long skirt, will not hesitate to "brush" down. But at the end of the month to see the bill, she was dumbfounded: more than 5,000 pieces!　　And Miss Wang's monthly income only 2000 yuan, but had to choose the minimum amount. But soon after, see a credit card discount, she again echocardiography, all of a sudden consumption of more than 4,000 yuan, repayment amount like snowball generally roll bigger. "I don't have the guts to take it apart now," she said.