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１９９８年国务院下发了《国务院关于 进一步深化城镇住房制度改革，加快住房建设的通知》，取消住房实物分配，逐步实行住房分配货币化，我国住房制度的根本性变革也使得居民的观念发生了转变，特别是部分年轻人开始考虑住房的“超前”消费，并寄希望通过银行贷款来圆他们的“
In 1998, the State Council issued the “Circular of the State Council on Further Deepening the Reform of Urban Housing System and Accelerating Housing Construction”. It abolished the physical distribution of housing and gradually implemented the monetization of housing distribution. The fundamental changes in China’s housing system also changed the concept of residents In particular, some young people began to consider the “advanced” consumption of housing and pinned their hopes on using bank loans to round up their "