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“Spend tomorrow’s money, enjoy today’s fun” is becoming a common Life pattern for young people.
From double 11, to double 12, to 618, businesses have only one purpose, to empty your pockets of money, to lure you to consume, unrestrained consumption, excessive overconsumption.
Nowadays, Chinese young people are completely wrapped up in materialistic desires.
Before writing this article, Uncle Pomegranate inadvertently saw a group on Douban called “Debtors Alliance”, where people in their twenties with debts of more than 100,000 are all over the place. The group is full of people in their twenties with debts of more than 100,000.
There are also debt million, envy debt 100,000, debt 100,000 envy debt one or two million.
There are even whimsical examples of people who have taken out a loan to support their loans, rolling from 30,000 to 190,000 in debt.
Beyond your Perception? Their world you do not understand just.
The initial reason for borrowing and spending may be to buy a pair of limited edition sneakers, or a designer bag, or the latest iPhone 12 Pro.
Of course, there are also people who take out consumer loans for English classes or cosmetic surgery.
It feels so good to spend money, especially when you tap on your phone and it falls from the sky.
In many young people’s minds, having a consumer upgrade allows them to make the class jump. The problem is, after satisfying the desire to spend money that does not match their income, who will pay back the money?
There is a set of data worth reflecting on – “There are 175 million post-90s nationwide, of which only 13.4% of young people are debt-free, while 86.6% of the post-90s have been exposed to credit products “.
What’s wrong with this class of young people?
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Remember that ad for Flower Power?
A 37-year-old construction team leader borrowed money to pay for his daughter’s birthday using Flower Money. The copy reads, “A Family of three, even if you are careful with your money, you have to spend your daughter’s birthday in a decent way”.
The ritual of life really comes from overspending? The values of middle-aged people are also being “distorted”.
Obviously you can buy a car in full, but the sales representative has to force you to take out a loan in installments.
Originally wanted to buy a Volkswagen, the temptation in the installment, and finally inflated, drive away from the Audi.
Behind the “10% down payment to buy a car”, all kinds of traps, you will finally find that a car originally traded at 120,000 yuan, 10% down payment, a year to pay off, and finally a total of 150,000 yuan. The total cost is 150,000.
I have to say, some media, some online lending platform, conscience is really eaten by the dog.
Now it is really easy to borrow money, as long as you have an ID card, immediately to the account. Consumer loan advertisements are everywhere, and the phrase “A good life depends on loans” is full of stench.
Surprisingly, more than 80% of people intuitively believe that the annualized interest rate cost for installments such as the Flower Payment is less than 7%, but in reality? The bottom line is closer to 15%, and more than 20% is common.
In previous years, even the streets were full of 80% and 100% more cash loans.
If you know that the actual interest rate is comparable to loan sharks, still dare to use it? Of course, when borrowing money, the platform will not let you know this.
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What if I don’t have money to pay back? This is almost a probability thing.
So there is a card to feed the card, to loan to feed the loan.
Teach you to do so is not bad, but very bad, because not to solve the underlying problem, to put it bluntly, is to tear down the east wall to mend the west wall, more and more debt, and ultimately worse than death.
“The most humble and embarrassing period of my life,” are the original words of the person concerned.
From the beginning a few dollars a day interest, to a few years later thousands of dollars a month interest, until by normal income is no longer enough to pay back the interest.
Who is the biggest beneficiary? The ones who call you for a card, the ones who sell you POS machines, and the lending platforms that send out soft articles and advertisements in the media, they only make money.
Are the buns of human blood really tasty? The most important thing is that you can’t swallow it.
There is a paper on the Internet called “Research on the classification of borrower users of online lending platforms based on LRFM model”, revealing part of the truth.
In the paper, online loan users are divided into three categories.
The first category of users has frequent borrowing transactions, large borrowing amounts, high contribution to the platform, high loyalty, and a higher possibility of repeated borrowing, accounting for 16.9% of the total number of users.
The second category is uncertain users, who have not conducted borrowing behavior on the platform for a long Time and have a tendency to churn, accounting for 48.9% of the total number of users and bringing only 10% of the revenue.
The third category is active users, who have been trading on the platform for a long time and operate with high frequency, but create less profit for the platform, indicating that they often borrow, but choose the platform more carefully, accounting for 34.3% of the total number of users.
Online lending platforms can develop different strategies to achieve maximum profit as long as they analyze user operation behavior through big data.
The first category of users are the core users, to whom the most significant resources are invested, implementing special one-to-one treatment.
The second category of inferior users is directly abandoned.
The third category of users has high loyalty and high demand for borrowing, and the focus is on increasing their borrowing amount and improving their trust and familiarity with the platform.
This explains very well why the loan amount has been increasing instead for the group of people who are lending for loans. The reason is that they are the people that online lending platforms are looking for – people who have the ability to repay but can never repay.
Big data is really a straw that drinks human blood.
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What could be more uncouth?
This is what a real estate vlogger is encouraging people to do: not just to use all the money to buy a house this year, but to use all the money they can get and use it for a down payment.
Claiming that financial freedom can be achieved by taking out a loan for a loan, he shouted “Those who are good at debt are always rich”.
This routine sounds somewhat familiar to someone.
Is it to create the myth of buying a house and getting rich? When taking on leverage that should not be taken on, house prices do not go up, the installment can not afford to pay back, the result is only bankruptcy.
As for the house up or not, and these big V have nothing to do with it at all, from helping to handle fake Marriage, pay social security, get a false qualification to buy a house, and then ten times the leverage to buy a house, and then do a false mortgage, mortgage loan to repay the mortgage, to loan for loan.
Is it a white-knuckle job? From membership fees to fees, from the bridge interest to sell house commission, these big V do, is a sure-fire deal.
There is a kind of brainwashing too terrible, “I am already a loser, even if I lose, I am still a loser only”.
knot
The devil that is released is hard to stuff back into the bottle. In this world, people who lack self-control are the majority.
However, when indulging in consumer desire, why can’t you slow down for a day and ask yourself if you really need this thing.
Finally, I would also like to warn some people that the leap of class will not be easy at all because you carry a brand-name bag, drive a brand-name car, and use a high-end cell phone. Some circles, hard to squeeze is not squeezed in, in the end, the pants torn, shoes off, a chicken feather.
Crying? Crying also to pay back the money.
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