Some people think that the greater pressure than mortgage is to pay social security. what do you think?

Some people think that the greater pressure than mortgage is to pay social security. what do you think? Some people think that paying social security is a little more stressful than mortgage. What do you think of this situation? I think it seems reasonable to ask such a question clearly. The repayment period of housing loan is a numerical value, with a minimum of 5 years and a maximum of 30 years? But we pay social security, it seems that there are countless groups that have been over 30 years. From this perspective, paying social security is likely to take longer than everyone's housing loan, and relatively speaking, personal pressure will be greater.

And if you have money, you can pay it back early, even if you choose to borrow it for 30 years. In this way, all financial institutions, whether banks or state-owned commercial banks, can use prepayment. In that case, you can also clean up your personal debt at one time, so you can definitely get rid of this so-called pressure. But paying social security is different. Paying social security cannot be a one-time payment.

Everyone is unlikely to say that I have paid all the social security fees for the next 30 years this year, which is also forbidden and impossible. The amount of social security will change every year, which is based on the average social wage in your city in the previous year. In fact, it is improving every year. If your ability to pay is 8,000 yuan this year, it is likely to become 9,000 yuan next year and 6,543.8+0,000 yuan a year later. Every year is an increasing process.

Therefore, the feeling for the majority of insured people is that the pressure of social security is really great. When will it be great? However, I think paying social security is only applicable to individuals with flexible employment, which will produce certain pressure. If you are not a flexible employee or a freelancer, but an on-the-job employee in an enterprise or institution, there will be no pressure to pay personal social security.

And as a good job, the employees of the department don't even have to pay the mortgage. Because of a good working enterprise, he will normally create a provident fund for employees. If both husband and wife are very high provident funds, they can hedge their loans according to the account balance in the provident fund. In that case, there will be no economic pressure. Therefore, a good working enterprise is the premise of repaying the mortgage and paying social security. If you have a good work enterprise, you don't feel any pressure in these aspects.

No matter whether you pay social security or mortgage, everyone still has some economic pressure, because this is ultimately a personal debt problem. Moreover, it is urgent to repay the mortgage and pay social security, and it is definitely impossible to default. Once personal social security is in arrears, it will eventually be unable to repay. Once the mortgage defaults, it will affect the personal credit report. Therefore, for a person who has a housing loan and is a flexible employee who pays personal social security, these aspects do have great pressure.