"I often joke and say that in Shanghai, a family of 10 million assets (total assets) is actually a poor family."

well -known private equity fund manager and Ruijun asset management partnershipThis sentence of people Dong Chengfei has triggered a discussion on housing prices and living costs in Beishangguang.Some people think that he sells wealth anxiety. After all, many people may not earn 10 million yuan in their lives (RMB, the same below, S $ 2 million).

There are more than 20 provinces and municipalities in China that have announced per capita income and per capita disposable income, and Shanghai has led the country.According to data released by the Shanghai Municipal Bureau of Statistics, the per capita disposable income of residents in Shanghai in 2022 reached 79,610 yuan, of which the per capita disposable income of resident residents in cities and towns, and the per capita disposable income of rural resident residents was 39,729 yuan.This is the income that ordinary Shanghai people deduct social security and taxes, such as social security, taxation, etc.

It is necessary to earn 10 million enough. Even if you do n’t eat or drink, it takes 119 years of income at Shanghai urban residents with an average level, and rural residents in Shanghai need 252 years.

However, although many people can't earn 10 million yuan in their lives, many netizens who live in Beijing, Shanghai, Guangzhou, agree with Dong Chengfei: If the total assets are the only way, 10 million yuan is indeed not much, the main main, the main main, the main main, the main main, the main main, the main main, the main main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the main, the mainlyIt is because of the high house prices in Shanghai.Dong Chengfei's point of view is consistent with many netizens. He said in the live broadcast of the roadshow on February 12: "Because the house prices in Shanghai (per square meter) 100,000 or 200,000 are the common situation of 'casual". "

Many netizens who live in first -tier cities such as Beijing, Beijing, and Guangzhou have given their own examples:

1. Coordinates Beijing, married and prepared.After tax income of 50,000 yuan after tax, there was no other burden.The house lives 16 million, invests in a two -bedroom house, collects 5,000 yuan per month, and has one car and two motorcycles."Not to mention 10 million assets, my assets are almost 30 million, and I feel that I have barely linked every month."

2. Coordinates in Shanghai, there is only a set of 10 million suburbs or municipalities.The area of the district broke the primary district house, and lived in without any other assets."The house is tens of millions of worth, and it is right."

The China Securities Journal commented that whether the total assets are poverty -stricken families depends on the composition, liquidity and net worth of assets.People in the industry believe that Dong Chengfei may not be in the anxiety of wealth. If there is only one set of millions of real estate in Shanghai, there are no other disposable assets, and even if there is no loan, life will be stretched.

But if you have 10 million yuan of mobile assets, according to the interest of 4%to 5%of China's capital insurance, you can get 40,000 yuan without working a month.The poor.

Sina Finance reproduced an article as early as 2021, telling a "millionaire" beaten by the Shanghai School District House.The father was admitted to Shanghai Jiaotong University as the champion of the college entrance examination of Zhangjiagang in Jiangsu. In 2008, he bought a set of old elevator rooms at the old Jing'an Gold List at 600,000 down payment and 1.2 million loans.Since living, the family's annual income is more than 30,000, and the loan has been paid off.

When his son was about to go to elementary school, he did not want his child to enter the vegetable market elementary school and lost on the starting line. He wanted his child to go to the school of the Jing'an District Education College of Laojing'an, Shanghai, to go to school.The school district Fanghai Fangcun, where the school district is paired, is the cheapest price of a 27.5 square meter room.Because he has had a loan record, it must be 70 % down payment in this school house, plus taxes and fees, at least 4.5 million cash.

This money is an astronomical figure for the entire family. Only selling the current self -housing replacement school district house can go.However, if the existing house is sold, the family of three generations of the family can only squeeze into a smaller house.Because the wife could not accept the standard of living, the couple's contradictions had intensified several times.

This is the ordinary "millions of rich people" living in Shanghai.The father in the case is already lucky, and "Magic Capital" Shanghai also brought together the Shanghai -Drifting family with tens of millions of houses without a house.Without a house, the assets of Shanghai Drifting were poor.

It is worth mentioning that total household assets include real estate, deposits, stocks and bonds' net value investment, etc., which is equivalent to family net assets and family liabilities.Total liabilities of the family are the total ownership of the family, including the bank's mortgage.Therefore, families with 10 million total assets include not only buying houses and families who have paid back the mortgage, but also families that carry huge loans to buy houses.For example, the total assets spending 2 million first payment and loan 8 million to buy a house are also 10 million.

From this point of view, whether the Shanghai families with a net asset of 10 million are the poor people worth discussing, but the average income family that bear huge housing loans, even if it has 10 million total assets, is a proper poor in Shanghai.

"Artificial Man" and "Leek"

Some netizens have proposed a very novel concept to describe Shanghai Drifting: artificial people."Their life span is only a few years. After a few years, they will be recycled by the large consortium, throw them into small cities, and then the large consortium has made some newly produced artificial people in small cities and will continue to serve humanity in Shanghai. Therefore,, thereforeWhat you see in Shanghai, sending out, sending courier, sweeping the street, and even white -collar workers in office buildings, many of them are just artificial people, they just look the same as humans. "

This netizen described that many artificial people now have self -awareness and find that human beings live so beautiful, but their dying struggle is hard work and live in the rules of human drawing.Life.

Someone responded to the netizen in the comment area and said, "More than the artificial person, even the plants can have self -awareness now! What is the plant called? Oh yes, called leek."

Leek is not easy to die cold, cut and re -grows to support the harvester.The term "leeks" of Chinese Internet civilian use, at the beginning, is a retail investor used to describe the stock market being oppressed by large households. Now this is an metaphor for the squeezed person, which is extended as the underlying people who are squeezed.

It takes 119 years to not eat or buy a 10 million yuan house in a resident resident of Shanghai in Shanghai. It is no wonder that the savings of life have given banks and real estate developers. No wonder they will call themselves leek.Although they are in a bustling city and in modern society, they still struggle on the way to solve the original needs. For children's school district houses, academic miscellaneous fees, and hospitalization fees for parents who are sick.And many people who have worked hard in Shanghai for many years still unable to make up the down payment. The ultimate home is left, and living in a place with low living costs and low house prices.

In 2022, as the real estate industry of China's economic pillar industry, investment decreased by 10%year -on -year, the first decline since recorded in 1999.At the same time, the sales performance of the real estate market was bleak, and the sales area of commercial housing fell 24.3%year -on -year, which was the largest decline since the statistical data in 1992.Sales decreased by 26.7%year -on -year, a decrease of nearly RMB 5 trillion, and fell to the level of 2017.

The real estate market in the third -tier cities in China and county seats is already very bleak. If the burst of real estate bubbles spread across the country, the north, Guangzhou "poor people", which originally owned 10 million yuan in total assets, may become real poor people.It's right.