@sapphicseagoat @tillshadeisgone ...assuming that you pay off your home. Which seems to be almost impossible for our generation in China just like (or even worse than how) it is almost impossible for our generation in USA or in EU (unless you already own some housing or have a huge downpayment), with prices per square meter (in cities in China) being comparable to median annual salary (like, these days median net salary would get you maybe a couple of square meters if you're in Beijing or Shanghai or Shenzhen, or maybe five square meters if you're in Berlin).
The days when one could just buy housing from zero just from their honest bluecollar worker salary were nice, but they're long past in USA, long past in EU, and long past in China too.