Can I just wait until old age to buy a house without financial support? The proportion of mortgage loan borrowers under the age of 30 has halved, and the age of the main mortgage loan borrowers is "10 years older"

In 2025, the main group of mortgage borrowers nationwide will be between 40 and 50 years old. On the other hand, the proportion of mortgage borrowers under the age of 30 is only about 6.44%, a sharp decrease of 8.62 percentage points from 16 years ago.

During the financial tsunami, housing prices were relatively low, and young people could still buy a house if they worked harder. But as time goes by, housing prices continue to rise, fewer and fewer young people can afford to buy a house, and the faces of real estate transactions are getting older.

According to data compiled by the Xinchuan Real Estate Think Tank and the Lianzheng Center, in 2009, the main group of people with mortgage loans nationwide were 30 to 40 years old, and these two age groups accounted for 36.82% of the total, accounting for more than one-third of the total. In the same year, although the proportion of mortgage borrowers under the age of 30 was smaller, it was still 15.06%.

But by 2025, the main group of people with mortgage loans across the country will be 40 to 50 years old, 10 years older than 16 years ago, which means that the age of people buying a house is generally delayed. He Shichang, CEO of the Xinchuan Real Estate Think Tank, said that the demand for home purchases among Chinese people has been delayed, and high housing prices should be the main factor. It is difficult for young people to save enough self-prepared funds in the first ten years after entering society. Without financial support from their elders, it will take longer to realize their dream of buying a home.

Judging from the data. In 2025, the proportion of mortgage borrowers under the age of 30 will only be about 6.44%, a sharp drop of 8.62 percentage points from 16 years ago, which is worse than being cut in half.

As for people over 50 years old, perhaps because their income is sufficient, the proportion of people with mortgage loans is rising rapidly. As of the end of 2025, the number of mortgage borrowers over 50 years old will exceed 470,000, accounting for 31.22% of the total, accounting for nearly 1/3. Not only is it a sharp increase of 12.63 percentage points from 18.58% in 2009, but the proportion is even about 4 times that of young people under 30 years old.

In other words, it is difficult to sell a house to someone under 30 years old now. It is better to find someone over 50 years old.

He Shichang said that the number of mortgage borrowers who reached retirement age at the age of 65 was only 4,110 in 2009, accounting for only about 1.07% of the total. In 2025, the number of retirees with mortgage repayments will surge to 61,642, an increase of more than 10 times, and the proportion will also rise to 4.09%.

He Shichang believes that when the buyer structure of the housing market undergoes major changes, builders can no longer position their products as "all in" for young first-time homebuyers. Instead, it may be better to change their thinking and shift to catering to the home replacement needs of middle-aged and elderly people.