普通人最大的“作死”，就是贷款买房买车！牢记这3点，不吃亏

Group 1: Housing Market and Mortgage Risks - The leverage ratio of Chinese households reached 62.1% by the end of 2023, with over 80% attributed to mortgages, indicating a significant reliance on housing debt [3] - In first-tier cities like Beijing, the average housing price is 58,000 CNY per square meter, leading to monthly mortgage payments that exceed average salaries, creating financial strain [3][4] - The risk of mortgage defaults is increasing, with a reported 28.7 million financial contract disputes in Q1 2024, a 15.3% increase from the previous year, highlighting the growing issue of mortgage non-payment [4] Group 2: Car Loans and Financial Burden - The penetration rate of auto financing reached 58.2% in 2023, with over 70% of car loans taken by individuals under 30, indicating a trend of young people over-leveraging themselves [6] - Monthly expenses related to car ownership, including fuel, maintenance, and insurance, can significantly exceed monthly income, leading to financial distress [7] - The number of vehicle repossessions due to unpaid loans increased by 21% in Q1 2024, illustrating the financial risks associated with car loans [8] Group 3: Combined Debt Pressure - Approximately 38.7% of households carry both mortgage and car loans, with an average debt-to-income ratio of 58.2%, far exceeding the recommended 30% threshold [9] - Families facing dual debt obligations often struggle to cover basic living expenses, leading to financial instability and increased vulnerability to economic shocks [10] - The unemployment rate in urban areas was reported at 5.2% in Q1 2024, with youth unemployment at 18.9%, indicating a persistent risk of job loss that could exacerbate debt repayment challenges [10] Group 4: Recommendations for Financial Management - Households are advised to assess their risk tolerance before taking on loans, ensuring that monthly payments do not exceed 30% of their income [11] - Avoiding peer pressure and making financial decisions based on personal circumstances rather than societal expectations is crucial for financial health [12] - Maintaining an emergency fund equivalent to at least six months of living expenses and loan payments is recommended to provide a financial buffer against unforeseen circumstances [12]