The so-called do not rely on parental support, mainly refers to the purchase of a house without funding it, as well as not to help bring up children.
Now in addition to the first-tier and quasi first-tier cities such as Beijing, Guangzhou, Shenzhen and Hangzhou, in fact, the young people do not require a high level, you can rely on their own income to save the down payment, slowly monthly payments. Chongqing, for example, a little bit off the set of 50 square meters of second-hand small two rooms, seven or eight hundred thousand, provident fund loans, if the down payment of two percent of more than a hundred thousand, both husband and wife, one person almost 100,000 deposits, a year to save 20,000 work for a few years can also save down. (As for the complaint that the house is small place biased neighborhoods are not upscale enough, huh)
But the poor world parents heart, most of the city regardless of the price of the salary market, parents are more or less to subsidize a part of the down payment, including sponsorship of weddings, the birth of a child with a child.
If the older generation doesn't contribute, and doesn't contribute, and lives their own little lives, and lets their kids fight it out on their own - I'm actually quite looking forward to this trend - there will probably be these changes.
1. Young people in big cities go to two extremes
Buying a house and making mortgage payments is a theme that young people can't avoid, but right now, because of parental help, most young people still buy a house and scrimp to pay off the mortgage. And without parental funding, they basically can no longer get a down payment by saving up, buy a house this thing from the young people's lives disappear, the pressure to repay the loan is also gone together.
Many times we can hear that in Beijing/Shanghai and so on everything is good, but the house is too expensive; or do not buy a house day not too comfortable. Now not to buy a house, the pressure is gone, disposable income out of nowhere more than a large section, life is certainly a wave of waves, do not be too dashing.
There may also be a small number of young people who will still consider buying a house, and will be more miserable than before to save money.
2. The maturation of the rental market
When it becomes the norm for young people not to buy a home or not to be able to afford a home, the rental market will inevitably have to become more mature to meet the needs of society. More regulated and more reasonable, but certainly not cheaper.
The same right to rent and sell will be slowly popularized in various cities, and the government protection system, such as public rental housing, will be more perfect and have wider coverage.
3. The increase in full-time jobs
Without an elderly person to take care of the kids, couples have to sacrifice more for the family, and this burden often falls on women again.
Plus not pay for the house only to live, many families can rely on only one person's salary is to live on, the possibility of a lot better than the current need to pay back the mortgage situation, which will allow more families to consider whether to let the wife to do full-time wife.
If not enough is done, this will be a devastating blow to the status of women.
4. Elderly-related industries are booming
Elderly people have more money in their hands, and their lives are not bound by bringing up their grandchildren, so they have money and leisure, plus this generation of parents have more knowledge, are more enlightened, and are more likely to accept a new way of life, and are willing to spend money on traveling, entertainment and so on, which is definitely good for the related industries.
5. Not much impact on the marriage culture
When young people get married and do not buy a house to become the trend, then and get married to buy a house is the trend of the whole society, then the implementation of the individual, as long as you are not a minority of the situation, the family situation is in the middle of the normal distribution of spindle, then the impact of the really not big.
But disregarding family support and disregarding family situation are two different things. Putting aside the monetary factor, the differences in geography, class, ethos, etc. are still there, and even weighting the remaining factors more heavily because there is one less factor to consider. The right family is still the truth.
6. Class differentiation has become more pronounced
Looking at Hong Kong now, the average person who can't afford to buy a home may have become the norm. Planning for the future also depends on both the possibility of being able to afford a home in the future and the estimation of not being able to afford a home in the future. The former, naturally conscientious, hard work, and even competition will advance to the campus; and the latter, if the government has sufficient safeguards, such as public rental housing, but also can pursue a small sure - this very small fresh and beautiful words, originally is Japan in order to appease the community to come up with the chicken essence.
Since work is so important, school, specialization, and personal qualities will be more important. Parents may no longer subsidize the purchase of a home, but they will invest more and more in their children's education, and the gap between families of different classes will remain, even if the classes will become more solidified.
But class solidification is not necessarily a pejorative term, and when it comes down to it, it doesn't necessarily follow that any society will be happier.
Let's look at the positive aspects first:
1. Young people will be more self-reliant.
Because there is no dependence on no way back, must go forward, whether it is learning skills itself, or interpersonal relationships, etc., must be to speak of real skills, which will accelerate the speed of young people's learning, but also accelerate the elimination of the best and the worst, because, after all, in the face of the pressure, not everyone is able to win, those who have just gone to college continue to work hard, and the university would like to take a break to work after the fight again! The gap will be widened, and after entering the society, the different degree of diligence and results presentation, and let the gap between the young people to widen.
2, will affect the concept of marriage.
Nowadays, love and marriage are sometimes just two kids playing house, saying love, saying love, and splitting up. If there is no father in the back support, young people can only independent struggle, for the other half of the requirements will be higher. Men and women, both hope to find relatively independent people to fight together, rather than rely on each other or *** with the dependence on both parents, bird-dependent men or women, may not be as marketable as in the past, compared to the desire to protect, people will be more willing to choose each other to share the pressure *** with the progress of the partner.
3. Older people's happiness levels have increased.
No need to work for their children, no need to subsidize half of their life savings to their children, and no need to babysit for their children, the elderly can spend their money autonomously, and decide how to spend their time autonomously. Some people may actually realize their dream of traveling around the world after retirement. Due to their financial strength, some elderly people can have more room for play and are no longer satisfied with square dancing, but move towards greater creativity and a bigger world. The elderly will be more energetic compared to before, and the silver-haired people will become the object of the consumer market sought after, as in France today.
4. Young children will also become independent earlier.
The current status quo of four elderly people pampering one child will change, as both parents need to work to cope with greater pressure, young children will be sent to kindergarten earlier, will also be asked by their parents to be independent earlier (in fact, children can do), parents will also understand that since all adults are asked to be independent, their own children grow up, should not be the parents to go to the down payment, so the ability to develop from an early age is necessary. So, developing competence at an early age is a necessary choice.
So, on the positive side, society as a whole will be more thriving. In fact, western civilized societies have already given examples.
So, are there any negative effects?
There are. In current China, the possibility of full realization is not seen. It will take a longer phase to do so.