In
some countries, it is a common belief that owning a house is more crucial than
renting one. This is because the speed of rising cost for buying a house is so
rapid that people think they will never be able to purchase one if they do not
hurry. I firmly believe that this is a negative situation regard to overall
economy of a nation and people who live there.
To
begin with, people commonly think that they need to own their home for stable
life as they get older. In case of renting a house, sometimes people have to move
to another place due to the landlord`s request. Therefore a lot of people try
to save money in order to buy their own house. However, in some countries such
as South Korea, the price of houses rapidly rise so that it takes too long to
prepare the money. This makes people to regard having a house more desperate in
their life.
On
the other hand, this situation can affect negatively overall national economy,
because people try to borrow substantial amount of money in order to buy a house
from bank. It is financially risky for those who do not have a stable job and
it could become a fatal problem if the price of houses begin to fall. For example, in
2008, there was a huge financial crisis called Subprime Mortgage crisis in the
US, which it was caused by the situation that most of people were not able to
pay back their housing loan in a short period.
To
sum up, in some countries which house price rapidly rises like South Korea,
people think to purchase a house is very important for their stable life. However, it could be negative to the national economy, because there is high
risk of over loan from people who want to buy a house.
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