Good afternoon, everyone! It is my great honor to stand here to give you this presentation. First let me introduce myself briefly, my name is Peng Hui, I am currently a junior student come from the Department of Ocean Science and Engineering. My major is port channel and coastal engineering. My hometown is Yi Yang in Hu Nan province. In my spare time, I like playing table tennis and badminton, I think exercise is also an investment. Also I like listening music and traveling, they are good ways to relax myself. Now let’s begin my presentation. In the following few minutes, I hope all of you can enjoy my speech.
My topic is “Is It Necessary to Buy a House before Getting Married”.
When we are preparing to get wed, one thing we should decide is where we will live after the wedding. Ideally, this should be taken care of before we get married so that we can settle down and start our married life more smoothly.
Should we rent a house with our companion or buy a new one? There’s really no right answer. There are no clear cut formulas to establish whether it is better to own a house during our marriage life. A lot of it depends on finance preparedness, the quality of our relationship with each other, and other things.
Today, getting married in China is not an easy thing. “No house, no marriage” has been very popular in the society.
According to the "Survey Report Chinese Marriage Status of 2010" released on Dec 15, 2010, about 70 percent of women said that housing, stable income and some savings were the main requirements for marriage. From the report, we can see that housing is on the top among the factors.
Personality and morals lay beyond the top three requirements. However “No house, no marriage” has been a phenomenon different from other countries.
Next, let’s take a look at the situation overseas.
In Japan, renting has been a custom for newly married young couples. Few can afford to purchase property. Up to 67.1 percent of young couples choose to rent, and merely 14.3 percent of the group buy a house for marriages. Generally speaking, most buyers are older than 40 in Japan.
In Europe, it is reported that there are many people who live in rented houses all their lives and they don’t feel it is a bad thing. In Berlin, 70 percent people choose to rent, only 30 percent adults choose to buy a house. Journalists have surveyed that the average age of Europeans to
buy their first house in Belgium is 41-year-old, in France 38 years old, in Germany 40 years old. Finally, they concluded that the average age is 40 years old.
For many Americans, housing troubles don't pose any obstacle to marriage. They often buy a house after the wedding, because more and more people are reconsidering their real estate problem, and going back to a more rational mode of consumption.
In my opinion，it is not necessary to buy a house before we get married. First, if we choose to buy a house, it will increase our economic burden, leading the constraint of our marriage life. Second, it will impose restrictions to the development of our career if we spend most of our salaries on mortgaging a house. Last but not least, we will feel guilt if our parent can’t enjoy a happy life in their later years because their saving were spent on buying a flat for us. Above all, young people should be free to enjoy being young, without the huge pressure of trying to buy houses.
That’s all! Thank you for your attention！
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