The first mortgage is 27 years old with an average repayment pressure exceeding the warning line.

9004 Yuan, this may be a college student out of school after a few years of hard struggle to reach the monthly salary level; However, this is only enough to loan the purchase of a second-hand housing in the city after a month of monthly supply. This morning, the chain of real estate and Everbright Bank jointly issued the "Beijing Second-hand Housing Loan analysis report" shows that Beijing second-hand house for housing loans average price of 1.69 million yuan for example, the first home purchase and buy a real estate area of 90 square meters below, although the loan may be the most loans,　　And to obtain a benchmark interest rate of 07 percent of the preferential rate, according to this calculation, the monthly repayment amount is still as high as 9004 yuan. This is far more than the affordability of the general first-time home buyers.　　In this regard, experts believe that young people because of "no production" panic led to premature purchase, is the property market irrational consumption of concrete performance.　　Data released the average age of the first mortgage is only 27 years old, nearly three year, the city second-hand housing loan amount and the proportion of the change is quite dramatic, from 2007 420,000 Yuan/pen, rose to this year's 750,000 yuan/pen, the loan ratio has been falling for three consecutive years, the average loan in Beijing this year is about 48%, the new deal after the drop to 47%. However, in the stimulus of rigid demand, in the bid for home loans, some buyers to postpone the consideration of future solvency.　　Many young people also to join the purchase of the army.　　The report shows that buyers of the age of nearly three years has been declining trend, especially when the purchase of home loans for the age of 34 years from 2007, all the way down to 2010 years of 32 years old. Chain Home Real Estate statistics, the average age of Beijing's first mortgage lenders is even 27 years old.　　This and Japan and Germany first-time buyers of the average age of 42 years, the United States first home purchase age is also more than 30 years old, apparently too early and too dependent on parental strength to purchase.　　Under normal circumstances, just graduated from college students monthly salary of about 3000-5000 yuan, working a few years after the expected to reach 8000-10000 yuan.　　If the monthly repayment amount of the report is up to 9004 Yuan, the newly graduated college students can hardly bear the repayment even if two of them are paid.　　According to international practice, the monthly income of 1/3 is a warning line of mortgage, over this cordon, will appear a large repayment risk, and may affect the quality of life.　　The China Banking Regulatory Commission issued the "Commercial Bank real estate loan risk management Guidelines" pointed out: "The borrower's housing loan should be the monthly real estate expenditure and income ratio under the control under 50% (including 50%), the monthly total debt expenditure and income ratio under 55% (including 55%)". A typical case of monthly pressure birth plan forced to delay "less parties to buy clothes, everything back to the original state."　　Liu Kan, who lives near Guanzhuang, describes her days as a "mortgage slave", and her husband, aged 30, has been living with the modest two-bedroom day since buying a house last year. "Originally to improve the quality of life, but bought a house to find, is to reduce the quality of life." Liu Kan told reporters, in order to 12,000 yuan per month for the monthly, she and her husband each month add up to earn less than 20000 yuan can only one when two flowers, even colleagues married, classmates birthday party such as "can hide to hide." Liu Kan told reporters that, in addition to more than half the monthly income, property costs, utilities, pay visits to parents, communications costs, such as dozens of basic costs, so that she and her husband must choose to live frugally, and then the original rich and colorful life back to pristine state.　　Liu Kan says the pressure on the moon gives them a drag on their birth plans.　　As Liu Kan's monthly pressure makes her unbearable, the reporter learned that many of the first time to buy small white-collar workers also face the problem, for a house to drastically reduce the quality of life. At the same time, they also bear the "one day not work, will be abandoned by the world," the spirit of stress. They dare not resign easily, dare not entertain, do not dare to travel, even lost the right to sickness.　　Liu Kan often self-deprecating that she is "the original ecological healthy lifestyle." Expert opinion month for extra cordon to promote price rise chain Home Real estate vice President Chien said, the purchase of younger people is actually a noteworthy warning.　　She believes that how to slow down the young people's demand for housing, as well as the ease of the parents and young people in the early days of society, the temporary "no production" of panic, will guide Beijing's real estate market healthy development of the key factors. She believes that the age of a younger home and the month to cross the cordon is enough to explain the current purchase of irrational consumption side; At the same time with the rise in housing prices to create a vicious circle, and further increase the contradiction between supply and demand, and promote house prices. Wen/journalist Zhang Dongni