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  3. Now more and more Chinese, especially the young, have begun to buy cars or h

Now more and more Chinese, especially the young, have begun to buy cars or h

游客2025-03-23  25
问题     Now more and more Chinese, especially the young, have begun to buy cars or houses on bank loan. Write a passage of at least 120 words to express your views on "Shopping on Installment" (论贷款消费). You may either agree or disagree. But whichever position you take, use specific reasons or examples to support your position.
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答案                          Shopping on Installment
                                Agree
    Nowadays, more and more Chinese, especially the young, have come to accept the notion of shopping on installment. They prefer to loan money from banks to buy almost everything from daily necessity to electric appliance, from car to house, and then they pay back the loan as well as the interest month by month, and year by year. Personally, I applaud the change in people’s consumption habits.
    In today’s China spending borrowed money on such luxuries as cars and houses is no longer a shame. It’s known to all that cars and houses are very expensive, and it’s almost impossible for most people to clear off the payment on non-installment. So it’s stupid to save for a house for twenty years, and a car for another twenty years. The day you can afford these things, you may have become too physically weak to enjoy the comfort and excitement of life.
    It’s true that the bank loan may exert a financial as well as psychological burden, but with the borrowed money you can enjoy your life earlier. So why not buy now, and pay later.
                                Disagree
    Some people would like to put aside some money regularly or at most spend what they have earned, while others would like to loan from the bank, that is, to use tomorrow’s money. I am personally on the side of the former group of people.
    It’s absolutely necessary to save up for the future. As is known, some goods like cars, houses etc. are costly and you can hardly buy them with one month’s salary, or even with one year’s income. To buy such products, you will have to set aside adequate amount of money for ten years or more. Otherwise, how could you buy such costly things?
    Moreover, most families have to pay handsome money for kid’s education, which accounts for a lion’s share of the family expenditure. Without enough savings, how could you afford the child’s education? If you depend on the bank loan for everything, how will you be able to pay off all the debts?
    Thrift is a traditional Chinese virtue. We have to budget the money we earn, and live within the means. A person who doesn’t save money and even overdraw at the bank will end up as a pitiful old man. At that time, you can never loan money from the bank because you are too old and no longer productive.
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