I bought an 11 million house in Shenzhen three years ago, and now I earn 400 thousand a year, but I can't afford the mortgage.

　　I am from Hubei. I came to work in Shenzhen after finishing college. I used to work in a large technology company with an annual salary of more than 700,000. In 2020, I bought an 11 million house in Nanshan District of Shenzhen.

　　I thought my annual salary would be higher and higher, but now it's only been three years, but I've been fired by the company. I finally found a new job with an annual salary of only 400 thousand, but my family has to pay back a mortgage of more than 40 thousand yuan every month, which makes me feel bitter and unspeakable.

　　My hometown is a small county in Hubei, where there are few industrial zones and the per capita salary is not high. In the 1990s, my parents went to work in a building materials factory, so the conditions at home were not bad, and I was very happy when I was a child.

　　After the college entrance examination, I was successfully admitted to Wuhan University, and my parents felt very happy.

　　During my four years in college, my grades have always been good, and I get scholarships almost every year. In my spare time, I also participated in research and development projects of some technology companies and earned tens of thousands of yuan.

　　When I graduated, most of my classmates chose to stay in Wuhan to work, but I felt that the salary in Wuhan was not very high, so I chose to go to Shenzhen to find a job.

　　Wuhan urban area

　　After coming to Shenzhen, in less than 10 days, I found a job in a large technology company. The whole company has tens of thousands of employees and its business is developing rapidly.

　　When I first came to work in the company, my annual salary was already 120,000 yuan, while my classmates worked in Wuhan, and their annual salary was about 60,000 yuan.

　　Although the salary is not very low, the consumption in Shenzhen is also high, and the monthly expenses for food, clothing, housing and transportation are also quite high.

　　As far as renting a house is concerned, I live in a house of more than 40 square meters in a community less than 1 km away from the company, and the monthly rent is more than 2,300 yuan.

　　Rental housing

　　After working for two years, I got married, had a child at home, and my expenses increased a lot. Even though my salary was increasing, I could not save much money.

　　At the same time, with the rapid development of business in Shenzhen, housing prices are becoming more and more expensive.

　　By 2020, I was promoted to be a supervisor with years of hard work, and my annual salary increased a little. For this reason, I made up my mind to buy a house in Shenzhen.

　　At that time, the housing price in Shenzhen was already very expensive. The housing price per square meter around the subway station was about 100,000 yuan. As for the real estate in the core area of the business district, the housing price has exceeded 150,000.

　　Many old employees in the company have already bought houses in Shenzhen, and some even bought two houses.

　　Real estate in Shenzhen

　　After that, I found a real estate in Nanshan District, a house of more than 100 square meters, with a total price of 11 million.

　　There is a subway station less than 300 meters away from the real estate, and it takes more than 10 minutes to get to the company by subway. There are also many large shopping malls around, and there are many passengers, which is also a relatively prosperous area.

　　After thinking for a while, I decided to buy the house.

　　However, my parents at home were worried and persuaded me not to buy a house in Shenzhen.

　　First, the housing price in Shenzhen is too expensive. Buying a house of more than 100 square meters will cost 11 million yuan. Even if my annual salary is not low, it will be difficult to make a down payment for buying a house. Moreover, I will pay the mortgage every month in the future, and the pressure is not small.

　　Real estate in Shenzhen

　　If I go back to my hometown to buy a house, the house price will be much cheaper. As long as I pay 1~2 years' salary, I can buy a house of more than 100 square meters in full.

　　Second, I feel that Shenzhen is too far away from my old home. If the family stays in Shenzhen, they rarely return to their hometown.

　　If children are allowed to study in their hometown, they can save a lot of money, and parents also plan to help take care of their children, so it will be easier to save money.

　　But I don't care, and I let my parents not worry.

　　After all, my job is very stable, and my annual salary will only get higher and higher in the future. After buying a house, the family won't have to rent a house again.

　　What's more, the weather in Shenzhen is also very good, and it won't be very cold in winter. After parents retire, they can also choose to come to Shenzhen to support the elderly.

　　After the completion of the real estate, it took hundreds of thousands of dollars to decorate the house. For this reason, there are not many deposits at home.

　　House decoration

　　In the following three years, due to the reduction of the company's projects, some old employees were dismissed one after another.

　　In May of this year, I was also dismissed by the company with an annual salary of more than 700,000.

　　Originally, I thought I could find a job with a higher annual salary, but I was busy for more than a month and finally only found a job with an annual salary of 400 thousand.

　　Nowadays, my family has to pay back the mortgage of more than 40,000 yuan every month, but there is little deposit left. Even if I want to sell the house at the original price, it is not an easy task. For this reason, I feel very sorry.