n*g
2 楼
我也很好奇。。。不过老美都不是独生子女,凭借老美的聚财能力,给每个孩子买房首付不太可能吧。
现在国内据我知道有些两家一起出钱能凑个首付——我本科同学在北京南四环很远的地方买房,首付交了65万。。。
现在国内据我知道有些两家一起出钱能凑个首付——我本科同学在北京南四环很远的地方买房,首付交了65万。。。
m*e
5 楼
They usually don't.
Most American parents will kick their kids out once they turn ed18, for most
"children", they have to take out student loans for college (unless the
parents are really rich...but I'm talking about middle class here).
However, on the same token, when their parents get old, they have no
obligation to take care of them financially because they have their own debt
(student loans/mortgage) to pay.
Culture difference.
I, on the other hand, don't understand how come Chinese parents give ALL
their savings to their kids to buy houses, cars...etc. And it is strange to me
that the kids are not ashamed of themselves for "啃老".
Most American parents will kick their kids out once they turn ed18, for most
"children", they have to take out student loans for college (unless the
parents are really rich...but I'm talking about middle class here).
However, on the same token, when their parents get old, they have no
obligation to take care of them financially because they have their own debt
(student loans/mortgage) to pay.
Culture difference.
I, on the other hand, don't understand how come Chinese parents give ALL
their savings to their kids to buy houses, cars...etc. And it is strange to me
that the kids are not ashamed of themselves for "啃老".
O*0
11 楼
有錢的會,沒錢的不會。not really a culture thing. They just don't stress
out if they can't get their children a house.
out if they can't get their children a house.
m*w
12 楼
Usually they do not.
Their main purpose is to train their children to support themselves.
They may borrow money to their children
But if they have money they will leave it to their children eventually after
they die.
Their main purpose is to train their children to support themselves.
They may borrow money to their children
But if they have money they will leave it to their children eventually after
they die.
s*l
13 楼
这咋和我知道的不一样?我问过不少美国人,他们都是爹娘给付学费的。只有家里经济
条件不好的才自己打工挣或贷款。
most
debt
to me
【在 m****e 的大作中提到】
: They usually don't.
: Most American parents will kick their kids out once they turn ed18, for most
: "children", they have to take out student loans for college (unless the
: parents are really rich...but I'm talking about middle class here).
: However, on the same token, when their parents get old, they have no
: obligation to take care of them financially because they have their own debt
: (student loans/mortgage) to pay.
: Culture difference.
: I, on the other hand, don't understand how come Chinese parents give ALL
: their savings to their kids to buy houses, cars...etc. And it is strange to me
条件不好的才自己打工挣或贷款。
most
debt
to me
【在 m****e 的大作中提到】
: They usually don't.
: Most American parents will kick their kids out once they turn ed18, for most
: "children", they have to take out student loans for college (unless the
: parents are really rich...but I'm talking about middle class here).
: However, on the same token, when their parents get old, they have no
: obligation to take care of them financially because they have their own debt
: (student loans/mortgage) to pay.
: Culture difference.
: I, on the other hand, don't understand how come Chinese parents give ALL
: their savings to their kids to buy houses, cars...etc. And it is strange to me
H*r
17 楼
我还真没听说几个18岁把小孩踢出门的
虽然老美不至于把一切都给孩子,一切都为了孩子,不过小孩没工作前正常点的父母也
不会不管的
most
debt
strange to me
【在 m****e 的大作中提到】
: They usually don't.
: Most American parents will kick their kids out once they turn ed18, for most
: "children", they have to take out student loans for college (unless the
: parents are really rich...but I'm talking about middle class here).
: However, on the same token, when their parents get old, they have no
: obligation to take care of them financially because they have their own debt
: (student loans/mortgage) to pay.
: Culture difference.
: I, on the other hand, don't understand how come Chinese parents give ALL
: their savings to their kids to buy houses, cars...etc. And it is strange to me
虽然老美不至于把一切都给孩子,一切都为了孩子,不过小孩没工作前正常点的父母也
不会不管的
most
debt
strange to me
【在 m****e 的大作中提到】
: They usually don't.
: Most American parents will kick their kids out once they turn ed18, for most
: "children", they have to take out student loans for college (unless the
: parents are really rich...but I'm talking about middle class here).
: However, on the same token, when their parents get old, they have no
: obligation to take care of them financially because they have their own debt
: (student loans/mortgage) to pay.
: Culture difference.
: I, on the other hand, don't understand how come Chinese parents give ALL
: their savings to their kids to buy houses, cars...etc. And it is strange to me
l*s
18 楼
但国内很多人还坚信美国孩子到了18岁就要被赶出去,独立
H*r
19 楼
这个问题我还真研究过,基本上人类界这种事情都不多
中国人和老外的本性差距也没那么大,很多文化都是环境造成的。换句话,如果老美的
社会环境和中国
现在一样,很多行为也是趋同的。
例如传统上,小孩独立的开始是找到能独立的工作。现在大部分老美是要上大学的,所
以没几个老美18
岁给踢出门的(就算独立了爸妈不还是想看孩子吗,老美又不是禽兽)
中国以前工作了后小孩也挺独立的。现在的年轻人,fresh graduate其实比20年前更难
生存。以前是
有福利分房的,商品房有没有还是个问题,再加上很多不是独生子女,当妈的想给你留
点什么也没,就
算变成遗产还得抢,兄弟反目(自古以来都是)
【在 l******s 的大作中提到】
: 但国内很多人还坚信美国孩子到了18岁就要被赶出去,独立
中国人和老外的本性差距也没那么大,很多文化都是环境造成的。换句话,如果老美的
社会环境和中国
现在一样,很多行为也是趋同的。
例如传统上,小孩独立的开始是找到能独立的工作。现在大部分老美是要上大学的,所
以没几个老美18
岁给踢出门的(就算独立了爸妈不还是想看孩子吗,老美又不是禽兽)
中国以前工作了后小孩也挺独立的。现在的年轻人,fresh graduate其实比20年前更难
生存。以前是
有福利分房的,商品房有没有还是个问题,再加上很多不是独生子女,当妈的想给你留
点什么也没,就
算变成遗产还得抢,兄弟反目(自古以来都是)
【在 l******s 的大作中提到】
: 但国内很多人还坚信美国孩子到了18岁就要被赶出去,独立
H*r
21 楼
其实老美,大学毕业,大多数地方,自己工作两年凑个首付也不难
国内收入低房价高,把人民往死路上逼,而且房价有很大的上涨预期,你要是不买的话
以后更亏,02年
不买的话你10年更买不起。这些都是把中国人逼到不买房不可地步上的因素。
要是政府没和地产商勾结让房价上涨而且有很大的上涨预期(一年百分之好几十),收
入也不是那么
低,国内也不至于搞成现在这样。我觉得美国这儿华人家庭给孩子买房的也不算特多,
但上学都是供。
因为美国这地儿,一来不一定要着急买房,二来不一定非要啃老才能付得起。
还有个问题是美国人很多自己家里,比较乡下的本来就有很多空地,自己盖盖房子就行
了。中国的所谓
商品房,基本上全部都是政府和开发商勾结起来才能造出来的。咱身边的正常中国人谁
家有一大片地
的?
说到底,谁让你生在贫穷落后愚昧的第三世界国家的普通人家里?倒霉催的
【在 s****l 的大作中提到】
: 嗯,供上学的非常多,供首付的不是很多
国内收入低房价高,把人民往死路上逼,而且房价有很大的上涨预期,你要是不买的话
以后更亏,02年
不买的话你10年更买不起。这些都是把中国人逼到不买房不可地步上的因素。
要是政府没和地产商勾结让房价上涨而且有很大的上涨预期(一年百分之好几十),收
入也不是那么
低,国内也不至于搞成现在这样。我觉得美国这儿华人家庭给孩子买房的也不算特多,
但上学都是供。
因为美国这地儿,一来不一定要着急买房,二来不一定非要啃老才能付得起。
还有个问题是美国人很多自己家里,比较乡下的本来就有很多空地,自己盖盖房子就行
了。中国的所谓
商品房,基本上全部都是政府和开发商勾结起来才能造出来的。咱身边的正常中国人谁
家有一大片地
的?
说到底,谁让你生在贫穷落后愚昧的第三世界国家的普通人家里?倒霉催的
【在 s****l 的大作中提到】
: 嗯,供上学的非常多,供首付的不是很多
K*S
23 楼
that's a myth or urban legend based on my experience.
I've got so many classmates/co-workers that live with their parents and
"ken lao" as well. The most extreme case: my ph.d advisor, paid all of
his son's living cost including med school tuition until his son
graduate. And he's not rich by all means because in order to pay for the
tuition, he still drove a 20 year old POS car and his house is even
smaller than some post-docs.
for most
the
own debt
ALL
strange to me
【在 m****e 的大作中提到】
: They usually don't.
: Most American parents will kick their kids out once they turn ed18, for most
: "children", they have to take out student loans for college (unless the
: parents are really rich...but I'm talking about middle class here).
: However, on the same token, when their parents get old, they have no
: obligation to take care of them financially because they have their own debt
: (student loans/mortgage) to pay.
: Culture difference.
: I, on the other hand, don't understand how come Chinese parents give ALL
: their savings to their kids to buy houses, cars...etc. And it is strange to me
I've got so many classmates/co-workers that live with their parents and
"ken lao" as well. The most extreme case: my ph.d advisor, paid all of
his son's living cost including med school tuition until his son
graduate. And he's not rich by all means because in order to pay for the
tuition, he still drove a 20 year old POS car and his house is even
smaller than some post-docs.
for most
the
own debt
ALL
strange to me
【在 m****e 的大作中提到】
: They usually don't.
: Most American parents will kick their kids out once they turn ed18, for most
: "children", they have to take out student loans for college (unless the
: parents are really rich...but I'm talking about middle class here).
: However, on the same token, when their parents get old, they have no
: obligation to take care of them financially because they have their own debt
: (student loans/mortgage) to pay.
: Culture difference.
: I, on the other hand, don't understand how come Chinese parents give ALL
: their savings to their kids to buy houses, cars...etc. And it is strange to me
m*s
25 楼
"啃老族, 剥少族,吃手族"
谁来科普下后面两个是什么族群?
谁来科普下后面两个是什么族群?
f*n
28 楼
付学费的不少,买房子的还真不多。
v*s
30 楼
有本事的在纽约给孩子买豪华condo。
没本事的18岁以后基本就不管了。
不过对自己父母的要求按后者来,
对自己以后当父母的要求按前者来。
没本事的18岁以后基本就不管了。
不过对自己父母的要求按后者来,
对自己以后当父母的要求按前者来。
g*g
34 楼
靠谱, 再给你多点数据, 美国7%的家庭平均资产超过1M. 家庭平均资产包含不动产, 很
多人不动产上其实没多少, 美国房子买卖均价20万左右而已, 贷款买的房子实际上没多
少资产在里面, 比如你贷了30万, 努力还了十年后, 还欠银行25万.自己可以用下面
calculator算.
http://www.calculator.net/mortgage-calculator.html
美国平均家庭收入5万美元不到, 加州远不到8万, 美国没有那个州家庭平均(或者是
median)年收入到8万, 平均最高的是Connecticut, New Jersey, DC, MD 等地方, 平均
7万左右. 加州好像不到6万.
大家都赶紧算算, 自己的资产到美国平均线了没.
【在 n******g 的大作中提到】
: 你这个数据靠谱么。。。
: 至少我知道在大多数周家庭平均(或者是median)年收入在5万美元多一点儿。加州稍多
: ,8万吧。以这个家庭年收入,能有50+万的资产?不要把不动产算进去。
多人不动产上其实没多少, 美国房子买卖均价20万左右而已, 贷款买的房子实际上没多
少资产在里面, 比如你贷了30万, 努力还了十年后, 还欠银行25万.自己可以用下面
calculator算.
http://www.calculator.net/mortgage-calculator.html
美国平均家庭收入5万美元不到, 加州远不到8万, 美国没有那个州家庭平均(或者是
median)年收入到8万, 平均最高的是Connecticut, New Jersey, DC, MD 等地方, 平均
7万左右. 加州好像不到6万.
大家都赶紧算算, 自己的资产到美国平均线了没.
【在 n******g 的大作中提到】
: 你这个数据靠谱么。。。
: 至少我知道在大多数周家庭平均(或者是median)年收入在5万美元多一点儿。加州稍多
: ,8万吧。以这个家庭年收入,能有50+万的资产?不要把不动产算进去。
b*y
37 楼
孩子18岁就踢出门是有前提的——经济好。10年前美国失业率才4%,而现在是10%,所
以美国的啃老族也出现了。
以美国的啃老族也出现了。
n*y
39 楼
我和一个美国人聊过这个问题,实际上家庭律师都不建议这么做,不单单是钱的问题。
出钱给孩子买个房子,孩子结婚了,又离婚了,你等于白给了人家半个房子,甚至于一
个房子。这个房子在你的名义下,孩子单身的时候住还可以,要是结了婚还住父母名下
的房子确实有点不像回事,我觉得美国的家庭关系要比中国简单,不像中国的大家庭背
负那么多隐藏的义务和责任。
出钱给孩子买个房子,孩子结婚了,又离婚了,你等于白给了人家半个房子,甚至于一
个房子。这个房子在你的名义下,孩子单身的时候住还可以,要是结了婚还住父母名下
的房子确实有点不像回事,我觉得美国的家庭关系要比中国简单,不像中国的大家庭背
负那么多隐藏的义务和责任。
o*e
42 楼
你这事想当然,多数学生是父母付的学费,只要负担的起,后面的也就不用看了
most
debt
to me
【在 m****e 的大作中提到】
: They usually don't.
: Most American parents will kick their kids out once they turn ed18, for most
: "children", they have to take out student loans for college (unless the
: parents are really rich...but I'm talking about middle class here).
: However, on the same token, when their parents get old, they have no
: obligation to take care of them financially because they have their own debt
: (student loans/mortgage) to pay.
: Culture difference.
: I, on the other hand, don't understand how come Chinese parents give ALL
: their savings to their kids to buy houses, cars...etc. And it is strange to me
most
debt
to me
【在 m****e 的大作中提到】
: They usually don't.
: Most American parents will kick their kids out once they turn ed18, for most
: "children", they have to take out student loans for college (unless the
: parents are really rich...but I'm talking about middle class here).
: However, on the same token, when their parents get old, they have no
: obligation to take care of them financially because they have their own debt
: (student loans/mortgage) to pay.
: Culture difference.
: I, on the other hand, don't understand how come Chinese parents give ALL
: their savings to their kids to buy houses, cars...etc. And it is strange to me
z*1
44 楼
No, usually they don't. I know a guy, and he told me his father was a owner
of a insurance company. This guy had a financial problem so that he had
difficulty to pay for his rent and food. Later he asked for a help to his
father, but his Dad gave him one hundred dollars only :-)
【在 m****a 的大作中提到】
: 中国的特色就是几代都在钱上分不清。啃老族, 剥少族,吃手族, 到处都是
of a insurance company. This guy had a financial problem so that he had
difficulty to pay for his rent and food. Later he asked for a help to his
father, but his Dad gave him one hundred dollars only :-)
【在 m****a 的大作中提到】
: 中国的特色就是几代都在钱上分不清。啃老族, 剥少族,吃手族, 到处都是
m*a
45 楼
yes, this is what an american usually does, this is also what I will do.
owner
【在 z*****1 的大作中提到】
: No, usually they don't. I know a guy, and he told me his father was a owner
: of a insurance company. This guy had a financial problem so that he had
: difficulty to pay for his rent and food. Later he asked for a help to his
: father, but his Dad gave him one hundred dollars only :-)
owner
【在 z*****1 的大作中提到】
: No, usually they don't. I know a guy, and he told me his father was a owner
: of a insurance company. This guy had a financial problem so that he had
: difficulty to pay for his rent and food. Later he asked for a help to his
: father, but his Dad gave him one hundred dollars only :-)
m*e
46 楼
True. I have friends where their parents paid 100% of all their tuition (
undergrad, grad, PhD)... but in terms of buying a house. You're on your own
.
But in reality, once you're debt free (no student loans at least)...it's not
hard to buy a house.
【在 o***e 的大作中提到】
: 你这事想当然,多数学生是父母付的学费,只要负担的起,后面的也就不用看了
:
: most
: debt
: to me
undergrad, grad, PhD)... but in terms of buying a house. You're on your own
.
But in reality, once you're debt free (no student loans at least)...it's not
hard to buy a house.
【在 o***e 的大作中提到】
: 你这事想当然,多数学生是父母付的学费,只要负担的起,后面的也就不用看了
:
: most
: debt
: to me
n*8
47 楼
我所知道的,有很多普通的老美在孩子买房子时帮助付头款或付贷款的。
A*k
48 楼
most
debt
to me
老美给孩子买房的确实极少,最多结婚时给辆车,算大礼了
不过也没有你说的那么严重,18岁就不管了要孩子自己贷款上学。大部分的父母从孩子
一出生就开始攒大学学费的,教育资金的储备是老美家庭支出的大头了。而且法律也有
规定,如果孩子考上大学,父母能付得起学费,不能不付的
【在 m****e 的大作中提到】
: They usually don't.
: Most American parents will kick their kids out once they turn ed18, for most
: "children", they have to take out student loans for college (unless the
: parents are really rich...but I'm talking about middle class here).
: However, on the same token, when their parents get old, they have no
: obligation to take care of them financially because they have their own debt
: (student loans/mortgage) to pay.
: Culture difference.
: I, on the other hand, don't understand how come Chinese parents give ALL
: their savings to their kids to buy houses, cars...etc. And it is strange to me
s*f
49 楼
认识的人中为孩子买房的还没有(帮忙付头款的有),付college学费的很普遍。通常从孩子小时候就存教育
基金(有tax benefit的而且)。不过我说的是工薪阶层,富裕家庭应该不一样
graduate school 的同学大多自己贷款或者打工,很少有父母资助的
基金(有tax benefit的而且)。不过我说的是工薪阶层,富裕家庭应该不一样
graduate school 的同学大多自己贷款或者打工,很少有父母资助的
B*e
54 楼
作为一名拥有十三位子女的普通老美,我已经每人给买了一套。
祖上的规矩,情绪稳定,没有压力。
祖上的规矩,情绪稳定,没有压力。
b*8
55 楼
我家隔壁的老美就是父母买的房,两个PH.D,都没工作,住着好房子,前几个月卖了,
搬更大的房子了,说隔壁房子就是父母买的,他们说卖了拿得钱买了大房子做首付。
搬更大的房子了,说隔壁房子就是父母买的,他们说卖了拿得钱买了大房子做首付。
n*u
58 楼
不错
这个帖子挺成功
点击率跟回复率都不错
这个帖子挺成功
点击率跟回复率都不错
S*x
59 楼
这个不是中国的问题,一下的讨论才是根源,在毛时代,一个孩子工作了一大家人要他
养,现在连自己都养不活
我们的三十年。工资对比,还是毛泽东时代的收入高~! 转
按具有“等值保值功能的黄金”通过美元进行折算: ---1976年前的毛泽东时代,一个
参加工作达到四年的普通二级工工资38.87元,值现在多少人民币?我们可以按“等值
保值功能的黄金”,之后在按“美金”汇率进行折算。
1971年8月5日,美国总统尼克松宣布新经济政策前,美元和黄金价格挂钩,35美元/1常
衡盎司黄金,1盎司等于28.35克。1976年前参加工作达到四年的普通二级工工资 38.87
元,1976年1美元兑换1.88元人民币,折合20.67美元,可以兑换0.59盎司(16.75克
)黄金。
0.59盎司(16.75克)黄金,折合现在多少人民币呢?美元贬值的今天,即2010年10月
份兑换1320美元/1盎司黄金。再按现在1美元兑换 6.8元人民币,折合现在人民币5296
元。 大家清楚了吧,也就是说,现在的5296元人民币工资,才能相当于毛泽东时代的
38.87元工资。这还没有将毛泽东时代的免费医疗、免费教育、免费住房的福利费用计
算在内
养,现在连自己都养不活
我们的三十年。工资对比,还是毛泽东时代的收入高~! 转
按具有“等值保值功能的黄金”通过美元进行折算: ---1976年前的毛泽东时代,一个
参加工作达到四年的普通二级工工资38.87元,值现在多少人民币?我们可以按“等值
保值功能的黄金”,之后在按“美金”汇率进行折算。
1971年8月5日,美国总统尼克松宣布新经济政策前,美元和黄金价格挂钩,35美元/1常
衡盎司黄金,1盎司等于28.35克。1976年前参加工作达到四年的普通二级工工资 38.87
元,1976年1美元兑换1.88元人民币,折合20.67美元,可以兑换0.59盎司(16.75克
)黄金。
0.59盎司(16.75克)黄金,折合现在多少人民币呢?美元贬值的今天,即2010年10月
份兑换1320美元/1盎司黄金。再按现在1美元兑换 6.8元人民币,折合现在人民币5296
元。 大家清楚了吧,也就是说,现在的5296元人民币工资,才能相当于毛泽东时代的
38.87元工资。这还没有将毛泽东时代的免费医疗、免费教育、免费住房的福利费用计
算在内
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