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工资赶不上房价涨速 中国青年买房比例高多亏父母
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GGfan
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工资赶不上房价涨速 中国青年买房比例高多亏父母
May 18, 2017, 01:32:30 AM
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“工资赶不上房价增长的速度”是世界性的现象,幸亏中国青年有经历过高增长时期的父母,才得以稍占优势。
近期,汇丰银行发布了一份调查报告,调查了中国、美国、马来西亚、墨西哥等9个国家的年轻人住房情况。报告指出,中国的80、90后年轻人住房拥有率高达70%,遥遥领先第二名墨西哥(46%),也是美国该项指标(35%)的2倍水平。有媒体在报道中指出,中国父母之所以愿意倾尽全家积蓄为后代买房,“丈母娘”刚需功不可没。
中美青年住房拥有率差距这么大,看起来是生活习惯的问题,其实背后有经济的原因。
为什么中国年轻人住房拥有率如此之高呢?
中国青年买房的首付,很多来自于父母。最主要的原因是改革开放以后,中国长期维持高速增长,经济增速长期在10%以上,这让父母那一代人积累了不少资产,可以帮助子女买房。然而,近年来,随着中国经济增速降到7%左右,且老龄化时代到来,养老支出增加,青年一代买房的难度将逐步上升。
丈母娘为什么喜欢逼女婿买房?很大的原因是买房是最直接的甄别手段。传统社会可以找左邻右舍来打听未来女婿的底细,而如今人口流动大,很难再通过他人来打听底细,因此,小伙子家底如何,通过有没有房子来判断,更加简便省事。另外,中国的丈母娘是最精明的丈母娘,她们也懂得买房越来越难,如果没有房子做依靠,很难相信其会给自己女儿更好的生活,因此,没有房子很难取信于丈母娘。
所以,丈母娘的择婿偏好背后,不是因为丈母娘的生活习惯老套,而是经济形势在决定丈母娘的偏好。
而西方青年自有房屋拥有率低,原因也是经济方面的,而非他们不喜欢安定。以美国为例,经济增速长期在1%-3%,青年自然难以有积蓄买房,而且父母也很难帮得上忙,因为美国的储蓄率总体上远低于中国。另一方面,美国房产税很高,拥有房产不仅是拥有资产,同样也是一个负担。因此,没有足够的准备,年轻人不敢轻易买房。
“工资赶不上房价增长的速度”是世界性的现象。在这份报告中,除了中国和马来西亚,2017年其余7国的实际工资增长幅度都被预测在低于2%的水平,而发达国家的房价涨幅大体都在5%以上的水平。而这是全球连续多年的极为宽松的货币政策所导致的——宽松货币在全球都推高了房价,同时,却无助于经济的真实增长。幸亏中国青年有经历过高增长时期的父母,才得以在这全球性的难题中稍占优势。
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