Investigation: 30% of young white-collar mortgages are overburdened

"Big sister, can you borrow me 2000 yuan? I am not getting a mortgage this month." Xiao Lu, a young man working in a foreign company, was embarrassed to speak to colleagues. It turned out that Xiao Lu loan bought a new house, because the loan burden was too heavy, so he had to borrow money for emergency. Some financial experts said that at present, some youth loans in the island city are overestimating their repayment ability, and they are keen to buy large houses to bring repayment pressure. As a result, many people frequently sing "empty city plans" and their quality of life is also affected.
According to a recent survey conducted by the Qingdao community, about 90.77% of the young netizens who have bought a house are borrowing money to buy a house, and many netizens prefer a big house.

The reporter interviewed several "Golden Kings and Five" who have more than 100 square meters of big houses. They have a lot of bitterness. Mr. Huang, who works in a communications department, is 31 years old. He borrowed 400,000 yuan two years ago to buy a 130-square-meter house for a new house. Originally, it was a plan to build a nest to attract phoenixes, but who knows that after being loaned, the quality of life plummeted. "I used to get used to it. I want to travel and lift my legs. I can't do it now. Not to mention spending money to chase my girlfriend." Mr. Huang said that he would consider the marriage for two years.

Young people buy a new house to win a big house? Ms. Yuan, who works in the government department, lamented that when she buys a house, she will have a comparison. When I look at people who live in a house of more than 100 square meters, I want to make sure that I can do it in one step. The reporter learned from a number of bank mortgage departments that the purchase of a large room type of 100-150 square meters, in the past, is mostly middle-aged people between the ages of 40 and 45, but in recent years, the number of young white-collar workers around 30 years old has gradually increased.

According to a survey conducted by the Qingdao community, among the netizens who bought a house with a loan, 30% of the monthly income exceeded the monthly income of the family by more than half! In addition, 12.7% of netizens' monthly mortgages are within 20% of household income; 47.3% of netizens' monthly mortgages are between 20% and 50% of household income. Financial experts said that the maximum monthly warning for a family should be 50%. If it exceeds 50% of income, it will undermine the normal life of the family and bring huge financial pressure.