NFBE Chapter 489 The Game of Capital
Chapter 489 The Game of Capital
After Shen Sangning finished speaking, the man in the back seat tactfully shut his mouth.
Looking at the barrage in the live broadcast room, I could only take out my mobile phone and reply one by one.
You know what, there are literally dozens of people who added him as their WeChat friend.
Pick and choose, reject the men directly and keep all the women!
For him, he is acceptable to women between the ages of 20 and 45.
Who says there are no shortcuts in life? It depends on whether you are willing to do it!
Especially for sports students, as long as they have a sweet mouth, they can actually develop better than many people.
Of course, the prerequisite is that your thoughts are clear!
However, Zhang Da’s roommate is just that kind of person.
Deep down, he was actually very jealous of Zhang Da.
Zhang Da's family is not bad, and his living expenses are 35,000 yuan per month!
Looking around the entire school, there are not many.
We are all human beings, why is there such a huge difference between us?
Later, he thought about it carefully and realized that this was a problem of class gap.
Zhang Da's parents have been in business for three generations. This is the wealth they have saved!
What about him? He is just a kid from an ordinary family!
It is very likely that even if I work hard for my whole life, I will never be able to catch up with Zhang Da’s current living standard!
Zhang Da usually eats takeout, which costs dozens or even hundreds of dollars!
And what about him?
When we go to Pinhaofan, we basically order fast food that costs around ten dollars!
Without good opportunities, is it possible for children from ordinary families to cross class boundaries?
To put it bluntly, it is still unknown whether his monthly salary will exceed 35,000 yuan in the future with his own efforts.
Reality told him that the possibility was basically zero.
This is the gap between people and the gap between classes.
There was a very good and true saying on the Internet before.
"Why should they lose to you after three generations of hard work?"
It's so realistic.
In high school, we were all classmates.
Those who study well can get more than 600 points in the college entrance examination and go to famous schools!
Those who are not good at studying are a microcosm of the current situation of most people in society.
Those students who are not good at studying enter the society early and start to work hard for their livelihood. Or they enter the society after graduating from university.
They do not have the halo of high education, nor strong family background to support them. When they first enter the workplace, they can only do some grassroots jobs, earn meager salaries, and live in small and simple rental houses.
Every day, they squeeze into the subway and bus during the morning rush hour, being pushed around in the hustle and bustle of the crowd. At work, facing the harsh demands of their superiors and the competitive pressure from their colleagues, they dare not slack off, but it is still difficult to get a chance to be promoted. Overtime is commonplace, but the overtime pay is pitifully low.
At this time, students like Zhang Da, who came from wealthy families, could drive expensive sports cars while still in college. How could he seek justice?
When they reach the marriageable age, students who are not good at studying are also at a disadvantage in the marriage market. They do not have enough financial strength to purchase real estate, nor can they provide their partners with superior living conditions.
Zhang Da and others, under the arrangement of their family, married with people of equal status to form a strong alliance and further consolidate the family's status and wealth.
When ordinary people are worried about the money for milk powder and education for their children, Zhang Da can easily send their children to aristocratic schools to receive the best education. Even if Zhang Da is inferior to him in all aspects except family!
Faced with emergencies such as illness, ordinary people may fall into despair because they cannot afford the high medical expenses, but people like Zhang Da can use high-quality medical resources to quickly solve the problem.
Ordinary people work hard for many years just to own a small place to live in the city, but people like Zhang Da own several properties from the moment they are born.
This is the cruel social reality. The class gap is like a chasm that is difficult to cross.
If ordinary people want to break through the shackles of class through their own efforts, they often need to make efforts and pay costs beyond ordinary people's imagination, and they may not necessarily succeed.
But even so, many people do not want to give up, because giving up means being trapped at the bottom forever. Only by constantly striving can there be a slight possibility of changing the fate of themselves and the next generation.
Zhang Da’s roommate had seen through these issues very early on.
He wants to have a good life in the future, but he knows that it cannot be achieved through hard work alone.
Just like his brother, he graduated from a prestigious university and got a monthly salary of 30k in his first job!
But that was in the Magic City!
After deducting the monthly rent and basic expenses, even if my brother lives frugally, it would be a lot if he could save 2 yuan.
He did the math for his brother, and now his brother is single, doesn't have to worry about his family, and doesn't have a girlfriend.
Saving 30 yuan a month is yuan a year!
The average price of new houses in Shanghai is around 55000 per square meter!
This means that you can’t save up 6 square meters even if you work hard all year round!
My brother wants to buy a house in Shanghai with full payment. How many years will it take him to save?
Some people may say that you can take out a loan to buy a house!
But few people know that behind taking out a loan to buy a house is actually four words: financial harvest!
In the Chinese tradition, a house is a home. Without a house, one is always adrift and wandering.
Moreover, without a house, young people cannot even get married.
In desperation, thousands of young people, known as the "urgent need group", had to empty their family wallets. Some even had to borrow money from everywhere and finally scraped together the down payment for a house, then took on huge debts for 30 years and became house slaves.
30 years! For example, the house you bought at that time was worth 300 million!
Take the current loan interest rate of 2.95% as an example, with a down payment of 15%, a loan of 85%, and a monthly repayment of about 1 yuan.
In other words, if you take out a loan of 255 million yuan, with equal installments of principal and interest over a 30-year period, the total repayment will be around 380 million yuan, with the interest alone being 125 million yuan.
In order to pay off the mortgage, you have to go to work and dare not take a break, or even quit your job.
If you suddenly lose your financial resources and cannot pay the mortgage, the house will be auctioned off, and you will lose both the down payment and the renovations. After the auction, you will be sued by the bank, and a series of fees added up will not be enough to pay back the money you owe to the bank.
Many people may not know that behind this loan for buying a house is actually a conspiracy of capitalists.
It is their way of making money, a means of reaping the property of ordinary people. They use houses as a medium and, driven by capital, create such a product.
We all know that banks don't lend money just for the sake of lending, they need to give you a reason to lend money.
So a group of highly intelligent bankers sat together and chatted, thinking about how to attract more people to deposit money, how to make more loans, and how to lend out a large sum of money safely.
But there is a key point here, which is that they need to find a safe product as a medium and then lend out the loan.
Then they thought that everyone needs a house, and everyone would empty their savings for a house.
In order to pay off the mortgage, they even had to work hard for them for the next 30 years without any complaints.
At this point, all the bankers cheered because the idea was great, and the idea of everyone owning a house was called a dream.
For this dream, with the support and cooperation of various interest groups, housing prices are pushed up.
Then they made up a big lie, vigorously promoting the idea that house prices would only go up and not down, and encouraged you to buy a house with a loan.
In fact, the biggest lie in the world is buying a house with a loan. It’s scary to think about it. You pay 30% of the money to buy the house, and borrow the remaining 70% from the bank.
Now, due to many reasons, the myth that housing prices will only rise and not fall may be shattered. Do you think banks are afraid of falling housing prices?
Of course you are not afraid. Not to mention the fall in housing prices, even if the house you bought is unfinished or the developer runs away with the money, you still have to pay back the loan without missing a cent. If you don't want to pay it back, you can try.
But with the development of society, more and more young people have recognized the current situation and have begun to rent houses.
In Zhang Da’s roommate’s mind, if you want to cross the class barrier, you have to find another way!