bank rate hike, “Housing slave” worry

98.09% loan buyers exist anxiety

the beginning of this year, the domestic one for a site in Beijing, Tianjin, Shanghai , Guangzhou, Shenzhen and other big cities and more than 15,000 latest survey shows that among the loan to buy a house, 54.1% of the people for their income on 20% -50% of their income on for more than 50% share of the crowd the ratio reached 31.8%. Survey shows that as high as 98.09 percent of people back there are mortgages, will have a psychological anxiety.

for the central bank adjusted interest rates, the Department of Nankai University financial experts pointed out that the structure of the central bank raise interest rates reflect the long-term squeeze on lending margins characteristics, 5-year deposit interest rate adjustment is more than up to 0.54 percentage points, and adjustment lending rate only 0.09 percentage points, indicating that the central bank is to protect long loan from the consumer point of view the issue, so as to minimize the majority of home loans were interest burden. To of 50 million, 20-year period of housing mortgage loans as an example, by matching the repayment of principal and interest calculated, before the rate hike to 7.11 percent interest rate, the monthly repayment required to 3909.58 yuan; rate hike after the interest rate is 7.20%, each 3936.75 yuan on the need to repay the monthly repayment amount increased less than 30 yuan.

However, the reporter visited part of the loan when buyers discovered that their concerns are different emotions to show that their own future, “Housing slave” life will be more difficult. In accordance with the prevailing view on the loan to buy a house for more than the normal capacity to pay (according to Bank of indicators for more than 50 percent of monthly income), resulting in a decline in the quality of life, reduced to a “housing slaves” of a class of people was known as the & ldquo ; Housing slave. ” “Housing slave” is derived from 3 years ago Netizen original, the latter widely gradually become well-known new term. In recent years, “Housing slave” group is growing.

marriage knot want to come to room to buy

nearly九成”Housing slave” less than a 35-year-old

obviously men than women

a well-known domestic real estate portal site survey, 87.9 percent of the “Housing slave” the age of 35, in which men were more than female. Excluding married “Housing slave”, the unmarried “Housing slave,” the overwhelming majority are male, accounting for “Housing slave,” 40 percent of the total number of the crowd.

survey showed: 78.51% said they do not want to become “slaves Housing”; but there is 56.8 percent of respondents indicated that they have become or will soon become a “slave room.” Tianjin Academy of Social Sciences, Hao Maishou Marriage Experts pointed out that at the end of the last century 70s to early 80s baby boom generation was born, and now had entered the marriageable age. With the material level, a new marriage “gold” is also gradually increased and now some of the conditions and higher income families of young people get married, have entered the “men buy a house, women buy a car” era. 54-year-old Ms. Wang the public the poor economic situation, his wife is sick, but the 30-year-old son fast anxious to get married, old married couple no choice but to sell their own homes, to add money to their children on the loan to buy a house两室一厅sets, themselves and their love can only be rented, because “there is no house, son, it is hard to find on the daughter-in-law. “

” after the girls you the best of Health, so that the pressure of life is also a small point, not prepared to give her a house. “29-year-old Li Bin just to get married, persuaded him to listen to others, the mind is not a taste of some. In order to marry a family, parents will be savings lives took out loans to buy a set of more than 60 million two-bedroom, not only become a “Housing slave”, parents have also been dragged into the water. “Do not buy a house is a man do? How women now do not seem to have a house are the same as its determination not to marry! “Li Bin, a lot of confusion out young men” Housing slave, “the voice.

use of credit card repayment cycle of interest-free financing

“new house slave” the cleverest打翻身仗

in a securities institutions serving JIANG Yu (a pseudonym) is a shrewd, although also “Housing slave,” but others feel that he seldom have too much pressure. Regular credit card bill of him, very few other “housing slaves” to the embarrassment of a loser. He used credit cards in the hands of a dozen or so “interest-free period” window-shattering, or even any time to “get cash” to become a magic weapon for his success.

recently, he online forums for their own residential neighbors Organization Home buy, many dealers are JIANG Yu-ultra-low discount down to talk about, but the premise is the credit card JIANG Yu, neighbors have the cash to him. JIANG Yu-buy through the organization, nearly half of the amount of the owners get a discount or even lower, while grateful for his naturally very happy agreed. JIANG Yu said, according to his overdraft limit for each credit card at least 3 million alone on the return of funds own more than 30 million. Due to the provisions of the bank’s credit card billing and payment date are different, he can take this “time gap” to flash腾挪, using on-hand part of the deposit, in the final repayment period is also 11, although a lot of a lot of thought, but in a maximum of 50 days of the “time gap” which is not to pay any interest - to “get cash” is achievable. JIANG Yu said that the most important thing is mind-ching timely repayment on the repayment of bank’s earnings from the businesses to collect only 1-2 percent of the clearing fees, the cardholder has no interest payments. JIANG Yu-usual shopping with friends, all brush their own cards, a friend also in cash, JIANG Yu-access points.

more must that JIANG Yu clever use of credit cards with the characteristics of money market funds also made a point of small fortune! He used the credit card of up to one-month interest-free period, paid not in a hurry after the repayment or deposit banks, but to buy money market funds, and then all interest-free credit card spending during the period. Wait until the credit card interest-free two days before the end of the period before the redemption money market funds to repayment.

“寅吃卯粮” birth “of luxury Weng negative”

“Housing slave” days have been tighter

income and debt is not the ratio of consumption did not dare, dare not under the hall, did not dare around bars, “Housing slave” generally find life interesting too dramatic, decline in the quality of life, the anguish increased prospects. Sociologist, pointed out that the “housing slaves” to become “negative” is the root cause of excessive consumption.

“寅吃卯粮” In the traditional Chinese concept was dismissed as “opportunity”, while China and the United States circulated a long time the old lady’s home story, first of all, let the younger generation “fails to grasp the situation.” Why can not today, tomorrow to spend the money? So “Housing slave”, “card slaves” came into being. Tianjin Academy of Social Sciences researcher Hao Maishou believe that the majority of people out of consumer loans in the future prospects of life expectancy, but there are also some people not from the reality, greedy big blind wide competition for young people to marry at every turn to buy more than 100 square meters of new houses not only the lives of their own heavy burden, and parents掏光savings. The real estate industry said, the house is the necessities of life, but also for different consumer groups broken down into affordable housing, affordable housing, senior apartments, villas and other gardens and even different products, unrealistic ahead of consumption, and the birth of the “luxury of negative Weng.”

房屋九成奴隶年龄在35岁以下的男性比女性明显

银行加息， “房屋奴隶”担心

98.09 ％的贷款购买者存在焦虑

今年年初，国内一网站在北京，天津，上海，广州，深圳等大城市和超过15000的最新调查显示，在贷款买房子， 54.1 ％的人对他们的收入20 ％ -50 ％的收入的50 ％以上的人群所占的比例达到31.8 ％ 。调查显示，高达百分之98.09的人回有抵押贷款，将有心理焦虑。

央行调整利率，该部的南开大学金融专家指出，结构中央银行提高利率反映的长期贷款息差收窄的特点， 5年期存款利率调整超过了0.54个百分点，调整贷款利率只有0.09个百分点，表明央行是保护长期贷款消费的角度看问题，以尽量减轻多数购房贷款人的利息负担。以50万美元， 20年期住房抵押贷款为例，通过匹配的本金和利息计算，在11月7日加息至百分之利息，每月还款要求三千九百零九点五八元;加息后的利息率为7.20 ％ ，每三千九百三十六点七五元就必须偿还每月还款额增加不到30万元。

然而，记者走访部分贷款时，买主发现，他们的关注是不同的情绪，以证明自己的未来， “房屋奴隶”的生活将更加困难。按照普遍的看法贷款买房子超过正常支付能力（按银行指标的百分之五十以上的每月收入） ，因此下降的生活质量，减少到“房屋奴隶”的一类人被称为＆ ldquo ;房屋奴隶。 “ ”房屋奴隶“源于3年前网友原来，后者广泛逐渐成为众所周知的新的任期。近年来， ”房屋奴隶“集团正在增长。

婚姻结要来房间购买

近九成“房奴”不到35岁的

明显的男性比女性

一个众所周知的国内房地产门户网站的调查显示，百分之87.9的“房屋奴隶”年龄在35岁以下，其中男性多于女性。扣除已婚“房屋奴隶” ，未婚“房屋奴隶” ，绝大多数是男性，占“房屋奴隶” ，百分之四十的总人数的人群。

调查显示： 78.51 ％的人说他们不想成为“奴隶房屋” ，但有百分之56.8的受访者表示，他们已经成为或即将成为“奴隶房间。 ”天津社会科学院郝麦收婚姻专家指出，在结束了上个世纪70年代至80年代初婴儿潮一代出生，现在已经进入了结婚的年龄。与物质层面，一个新的婚姻“黄金”也逐渐增加，现在的一些的条件和收入较高的家庭的年轻人结婚，已经进入了“男买房，女买车”的时代。现年54岁的王女士公众恶劣的经济状况，他的妻子生病了，但30岁的儿子快急于结婚，老两口没有选择，只能出售自己的住房，以增加他们的孩子钱的贷款买房子两室一厅集，自己和他们的爱情只能是租用的，因为“没有房子，儿子，这是很难找到的媳妇。 “

”后，女童您身体健康，因此，生活的压力也是一个小问题，不准备给她一个家。 “ 29岁的黎比嗯刚刚结婚，劝他倾听他人，头脑不是一个味道一些。为了结婚，家庭，父母将储蓄的生命拿出贷款购买了一套更6000多万的两居室，不仅成为“房奴” ，父母也被拉下水。 “不要买房子是一个人怎么办呢？妇女如何现在似乎并没有一所房子是相同的，它决心不结婚！ “李斌，许多混乱的青年男子”房屋奴隶“的声音。

使用信用卡还款周期无息资金

”新房子的奴隶“巧打翻身仗

在证券经营机构服务姜玉（化名）是一个精明的，但也“房屋奴隶” ，但其他人士则认为，他很少有太大压力。经常信用卡帐单的他，很少有其他的“房屋奴隶” ，以尴尬的失败者。他用信用卡手中的十多个“免息期”拆东墙补西墙式，甚至任何时候“获得现金”成为一个法宝，他的成功。

最近，他网上论坛为自己住宅的邻居组织主页购买，许多经销商姜玉超低折扣下来谈论，但前提是信用卡姜宇，邻居有现金给他。姜玉购买通过组织，将近一半的数额的业主获得折扣或更低，同时感谢他当然非常高兴同意。姜瑜表示，根据他的透支限额为每个信用卡至少300万独立的返回基金拥有超过3000万美元。由于规定该银行的信用卡结算和付款日期不同，他可以借此“时间差” ，以闪存腾挪，利用手头的部分存款，在最后偿还期还有11个，但很多很多的思想，但最多50天的“时间差” ，这是不支付任何利息- “让钱”是可以实现的。姜瑜表示，最重要的事情是考虑到青及时还款的偿还银行的盈利从企业只收集1-2百分之结算费，持卡人不支付利息。姜玉通常购物的朋友，都刷自己的卡，朋友还现金，姜玉接入点。

更要聪明，江泽民主席于使用信用卡的特点，货币市场基金也发了点小财富！他利用信用卡多达一个月的利息免费期间，支付不急于偿还后或接受存款的银行，但购买货币市场基金，然后所有免信用卡消费期间。等到信用卡免息的前两天结束之前的一段时间赎回货币市场基金来偿还。

“寅吃卯粮”诞生“的豪华负翁”

“房屋奴隶”的日子已被严格

收入和债务不是消费的比例不敢，不敢下馆，不敢泡吧， “房屋奴隶”一般找到有趣的生活过于戏剧性，下降的生活质量，增加了前景的痛苦。社会学家指出， “房屋奴隶” ，以成为“负面”的根本原因是过度消费。

“寅吃卯粮”在传统的概念是被视为“机会” ，而中国和美国散发了一份很长一段时间老太太家中的故事，首先，让年轻的一代“没有把握的情况。 ”为什么不能是今天，明天，花这笔钱？因此， “房屋奴隶” ， “卡奴”应运而生。天津社会科学院研究员郝埋首相信绝大多数人的消费贷款，在未来前景的预期寿命，但也有一些人不是从实际出发，盲目贪大范围的竞争年轻人结婚动辄购买超过100平方米的新房子不仅生活自己沉重的负担，父母掏光储蓄。房地产业说，房子是生活必需品，而且还为不同消费群体细分为负担得起的住房，负担得起的住房，高级公寓，别墅和其他花园甚至不同产品，不切实际的提前消费，并诞生的“负翁奢侈。 ”

标签： buy, housing, interest, slave