Fujiwara Miki said thoughtfully: "China, Japan and South Korea are all deeply influenced and influenced by Confucian culture, why do Chinese and Koreans have such a deep obsession with houses?" ”

Kentaro Miyamoto didn't joke and said, "It's just my personal understanding. At the beginning of the 20th century, Japan was fully industrialized in 1920. So far, more than 100 years.

South Korea, on the other hand, began in 1962 and after 30 years of sacrifice and sacrifice of two generations, it was only in 1992 that it fully industrialized.

As for Chinese mainland, even today, it has not fully industrialized, but basically industrialized.

Industrial and agricultural countries have very different kinds of education for their citizens, and it is inevitable that the thinking patterns of the people will not be the same.

Actually! The deeper the obsession with the house, the more it reflects that the deep attachment to private land in an agricultural country has not yet been completely shaken off.

Nationals of developed countries in the West often do not consider buying a house until they are middle-aged. In fact, more people don't really decide to buy a house until around retirement.

Chinese, Koreans, to be precise Chinese women, Korean women, generally require men to have a house. If you don't have a house, you don't get married.

The consensus of Korean women is that as long as a man has a house, no matter how big a disadvantage is, it is not a disadvantage. Some Chinese women also require that the man's house not be less than 100 square meters, but also that he must not have a loan.

In terms of marriage, Japanese women do not pay attention to the house at all, and most of them are still able to accept men and women renting houses to get married. If this is left in China or South Korea, only a small part, or a very small number of women, can accept it. ”

Miki Fujiwara said bluntly: "What you mean is that Chinese women or Korean women have a role in contributing to housing prices." ”

Kentaro Miyamoto did not deny it: "In my personal opinion, this is indeed a factor. There was once a story in Chinese mainland that was deeply rooted in the hearts of the people.

The feelings of a Chinese mainland lady and an American lady in their old age. The former said that she had finally saved enough money to buy a house, while the latter said that she had finally paid off the loan for the house.

Therefore, what brainwashes Chinese mainland people is that Chinese mainland is too stupid, while American old is too smart. In fact, it is advocating for Chinese mainland people to take out loans to buy houses.

Before the 21st century, Chinese mainland people generally did not accept loans to buy houses. Those who dare to accept new things and take the initiative to take out loans to buy houses may not all have vision.

However, they did become beneficiaries. In the 21st century, that is, in the next 20 years, after China's formal accession to the WTO and the World Trade Organization, not only has the economy shown rapid development, but also almost ushered in a rise in housing prices.

However, there is another key factor that most people don't know. Prior to this, Chinese mainland banks in the nineties were very cautious in lending housing loans, and generally only lent to formal staff in the public system.

I remember that one of the intelligence I read showed that the down payment in Chinese mainland at that time was only 10%, which is not at least 30% of the down payment in Chinese mainland at the moment.

There is no restriction on the first home, how many houses, how many years of social security payment and so on. In short, in addition to the fact that there are many loopholes in the relevant laws and regulations, the house has not been completely speculated.

Even so, it was not that Chinese mainland people at that time did not want to buy, not that they did not want to improve their personal living conditions, but that too many people did not have the money to buy.

Especially in 1998, after the Asian financial turmoil in 1997, the nationwide layoffs in Chinese mainland were just like the bursting of Japan's economic bubble that left a psychological shadow on many people.

At that time, most girls in Chinese mainland were still able to accept living with the man's parents, and did not ask for a house or anything like that.

Just twenty years later, everything has changed. Chinese mainland women and Korean women are too similar. Not only their attitudes towards houses, but also attitudes towards men, can be highly agreed. ”

It's really the first time I've heard it and said, "It's so surprising to me." You know so much. ”

Kentaro Miyamoto has told the truth: "I have invested in Chinese mainland, so I have to deeply understand the social, cultural, economic and many other aspects of the country."

The story I told you earlier about the old lady in Chinese mainland and the old lady in the United States is a thing of the past. Another new story has become popular in Chinese mainland in recent years.

To be precise, it is a new round of brainwashing of Chinese mainland. That is, buying a house is the best option to protect against inflation. ”

Fujiwara Miki blinked her eyes and said, "How come?" ”

Kentaro Miyamoto said with a smile: "There are really many people in Chinese mainland who believe such nonsense. What do you say about the house?

In addition to the rigid needs of self-occupation, for ordinary people, it is not so much an investment attribute as a speculative attribute.

In Chinese mainland, the maximum loan term for small cities is often 20 years, while the maximum loan term for large cities is generally 30 years.

In the next twenty or thirty years, unless it is a good time to catch up with a specific economic period, and you have to buy a property in a big city, preferably in a prime location, it will have the attribute of value preservation and appreciation.

In my opinion, ordinary people make investments just like buying lottery tickets, relying on luck. Those Chinese mainland who bought houses early may not have earned.

Actually, the loss, the more. In this regard, in the past 20 years, how much has the soft sister coin been overissued? What is the currency depreciation and inflation caused?

On the other hand, even the house will also be depreciated. This is often overlooked. The older the building, the lower the price.

In addition, the interest paid to the bank in the past 20 years, property management fees, and the relevant taxes and fees incurred in the sale of the house are added.

Is it really earned in the end? Too many Chinese mainland people are playing the replacement game of the bubble economy.

A dog can be worth a million dollars. Why is it worth so much money? Because this dog can be exchanged for two cats worth half a million dollars.

The actual operation of many Chinese mainland people is to sell their old houses and scrape together some money to buy a larger area or a better location to live in. Okay, I can buy it in full.

If it's not so good, you still need to take out a loan. Even if the house rises sharply, it is only a profit on the books. For ordinary people, they will naturally not sell their only house and cash out, after all, people always need a place to live.

(End of chapter)