很多人，都低估了30年房贷的杀伤力……

Core Viewpoint - The burden of mortgage loans significantly impacts the lives of middle-class families, leading to a cautious and constrained lifestyle, with many individuals feeling trapped by their financial obligations [1][3][4]. Group 1: Mortgage Impact on Lifestyle - Most individuals purchase homes around the age of 30, often relying on loans, which leads to a life of financial strain as they work to pay off these debts [1][4]. - The pressure of mortgage payments creates a sense of obligation that limits personal freedom and career choices, as individuals often hesitate to leave jobs due to financial commitments [3][4]. - The expectation that homeownership will lead to financial security in retirement is challenged by the reality of aging properties and potential depreciation in value over time [6][7]. Group 2: Long-term Financial Outlook - The financial landscape for individuals who buy homes in their 30s suggests that by the time they retire, they may own older properties that are less desirable and harder to sell [7][11]. - Concerns about the adequacy of pension funds and savings for retirement are prevalent, with many individuals questioning their financial stability in later years [8][9]. - The trend of selling homes in older communities at reduced prices indicates a potential decline in property values, raising questions about the long-term benefits of homeownership [11].