#張雪峰吐槽還60萬房貸利息57萬#的詞條沖上熱搜，引發大量網友討論。

與此同時，農行對雄安購房者推出連心貸的事件也登上了熱搜榜。

農業銀行工作人員介紹稱，“連心貸”是為了明確婚前財產的歸屬或者增強還款能力，未婚男女朋友作為共同有權人，由雙方或者一方申請的住房貸款。該業務是總行的業務，由各分行進行實施。

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這兩個熱搜不禁讓人想起了之前連上熱搜的“延長貸”、“祖傳貸”事件。

廣西南寧市多個樓盤對外宣稱“住房按揭貸款年齡期限可延長至80歲”，盡管已經遭到多家銀行否認，但是這一事件仍然在網上引發熱議。

稍早之前，“接力貸”成為網友熱議話題。據中新經緯消息，建發央著工作人員稱，百歲貸是接力貸，之前貸款年齡最多是到65歲，現在有個別銀行可以到70歲，然后子女做接力貸，用子女的年紀來貸，可以貸30年，70歲加30年正好是100歲。

80歲貸，90歲貸，百歲貸，連心貸，加上剛出的政策：發行基金支持炒房，解決炒房不好交易的問題。

房市難降價，百姓難買房。于是制定各種政策想方設法刺激老百姓掏錢買房。

為什么會有這種情況產生？

因為在房市，想套現離場的人遠多于“剛需”消費者。三年疫情，老百姓經歷了太多苦難，明白了錢才是王道。

《自然》雜志子刊《人類行為》在去年10月發表了一篇名為《自疫情以來預期壽命發生變化》（Life expectancy changes since COVID-19）的文章，文章中指出：“疫情導致歐美大部分國家預期壽命在過去70年中史無前例的下降！到2021年底，美國和部分歐洲國家的預期壽命持續低于大流行前的水平。”

據新加坡《海峽時報》報道，由于新冠疫情的影響，新加坡居民預期壽命出現有史以來首次下降。

根據新加坡統計局的數據，2021年新加坡居民出生時預期壽命(Life Expectancy at Birth)為83.5歲，與疫情前2019年的83.7歲相比下降約2個月。這是自1957年有記錄以來，新加坡預期壽命首次下降。其中，男性預期壽命為81.1歲，較疫前下降約兩個月；女性預期壽命為85.9歲，與2019年持平。

在疫情期間意外頻發、銀行提前還貸被限制等新聞不停地出現在大眾視野中后，更多人選擇享受當下，就怕哪天突然嗝兒屁賺錢沒花了。

美國經濟衰退，中國股市震蕩，銀行存款利率下調……越來越多的人選擇“硬通貨”。存錢、買黃金，成為更多年輕人的選擇；放輕松，慢下來，也成為更多老百姓的生活方式。

《華盛頓郵報》在兩年前的一篇文章《是的，有恐慌。但我正在擁抱一種慢生活》（Yes, there is panic. But I’m embracing a slower life.）中提到了疫情給人們帶來的改變：盡管疫情造成了全球大部分地區人們的恐懼，但它也強迫更多人的生活放慢了腳步。

作者為馬里蘭大學醫學院的臨床神經放射學家和研究員Erin O"Connor

Erin O"Connor 一家合影

Yes, there is panic. But I’m embracing a slower life.

Erin O’Connor

It took a virus to slow us down. My husband and I, full-time working parents of four children, have been keeping a rapid pace for as long as we can remember. We live in Howard County, Md., which has a strong school system and competitive youth sports programs.

One month ago, a typical weekend would include basketball games, multiple flag football matches and a gymnastics meet. When Sunday nights arrived, we were finishing school projects on a deadline, making the week’s schedule and preparing meals for the coming days.

The coronavirus pandemic has brought that frantic pace to a screeching halt. The boys’ first spring baseball tournament was canceled and our daughter’s state gymnastic meet was scrapped. Instead, we watched “The Sound of Music” and ate chips on the living room couch. The children’s schools are closed, and we are lucky enough to have jobs that allow us to predominantly work from home. Rather than driving the children to and from extracurricular activities in the evenings, we now review essays and math problems we assigned them earlier in the day. We eat dinner together on a daily basis, instead of devouring to-go meals in the minivan. We take evening family walks to relieve restlessness. My husband and I enjoy watching our kids, ages 13, 11, 9 and 9, run outside and play with one another. While I’m not going to say there haven’t been arguments, our children have been forced to appreciate the companionship their siblings provide.

I have often reflected on our life pace, aware of its frenzied nature. I would meet a work deadline only to find my email inbox flooded with new requests and obligations for work, children, house, etc. I wanted the pace to slow a bit, but just kept going because I was uncertain what to give up. My husband and I used to look at each other at the end of the night, exhausted, and say “Yes, we should try to slow it down.” But the next day would come with an equally rapid tempo. I often looked at the photograph my husband took that hangs in our center hallway and wondered, “How do I do that? How do I find peace?”

While the novel coronavirus has caused fear across much of the world, including in my own house, it has also helped me find a measure of peace. I am conscious that it took a pandemic to slow life down for me. I was unable to make that difficult choice voluntarily. Today, I conversed with neighbors (from a distance) whom I have not seen in months, without anyone’s child calling: “Mom we are going to be late!” We had the gift of time.

I am acutely aware of the dangers of the pandemic. My employer, the University of Maryland School of Medicine, is taking all necessary precautions to minimize exposure and preparing for full extension of the health-care system. My sister’s family is currently on lockdown in Italy, a country where the virus is raging and more than 5,000 people have already died of it. And I continue to witness economic hardship for small businesses in my community, now indefinitely closed. I am not minimizing the grave concerns and sobering death rates inflicted by covid-19, the disease caused by the virus, but I know the most important thing my family can do is stay away from other people. And doing that has made me question why it took a deadly disease for my family to enjoy a home-cooked meal together.

I rose at 5 a.m. Saturday to begin writing this piece before the kids began stirring and admittedly gave them screen time so I could finish it (just a few hours). I have two other unfinished pieces from previous years that I wanted to work on, but this is the first occasion that I completed this essay. After having some breakfast, my family will begin a jigsaw puzzle on the kitchen table — a definite first. I suspect we might complete it in a week, maybe two. My silver lining is that while I have a heavy heart for the many horrors of this crisis, I have been able to carve out a sliver of peace and gratitude in my home, as I suspect many of you have, as well. Maybe, it’s just in a different way than we were expecting.

CPA Practice Advisor的專欄作家Amy Vetter在疫情期間也寫過一篇名為《疫情教會我們放慢腳步的重要性》(Covid Taught Us the Importance of Slowing Down)的文章。在文章中她提到，在疫情發生以前，WLB是一場持久戰；疫情則讓更多人學會了“放慢腳步”和“欣賞小事”。

WLB，Work-Life Balance，工作生活平衡，似乎是職場人的永恒命題。不知道從什么時候開始，享受生活的那部分被焦灼的工作壓力代替，無法適時地放松自己。

而疫情造成的不便，給許多人創造了一個審視生活的機會，越來越多人選擇慢下來，slow down。

放慢腳步 Slow Down

slow down，中文釋義為“減速；放慢速度”。

舉例：

① Do you need to slow down? 你需要放慢速度嗎？

② The car slowed down. 汽車慢下來了。

慢節奏 Downshift

Youtube上有一位博主名為“downshiftology”，她在視頻中展示了一些精致、抗炎的飲食。“downshitf”作為名詞可以理解為“慢節奏”，作為動詞有“降格工作（指為了過更高品質的生活而選擇低薪工作）”的意思。

“躺平”曾引發熱議，不少媒體討論過疫情后年輕人選擇“躺平”的話題。當下，很多年輕人進入“精神內卷，身體躺平”的狀態。

當標題為《我畢業5年，存款5000，她中傳碩士，火鍋店保潔》的視頻火了以后，更多年輕人加入了討論。越來越多的年輕人選擇正視自己的失敗，大眾也看到更多選擇更少薪資工作，更多生活的人。

疫情過后，人們的生活方式似乎發生了更多變化：在線生活更完善，生活節奏更慢，與自我的相處模式更融洽。對于精致的追求不再是單一的“小資”，而是“快樂”和“安穩”。

而這樣的改變，在經濟下行的社會中，或許會持續很長一段時間。

不管怎樣，祝大家，發大財，更快樂！

THE END.

期待更美好的未來

文字：Yur

編輯：Yur

圖片：外媒報道

關鍵詞： 人類行為 華盛頓郵報