日本家庭供樓開支增加

Recently the Yomiuri News reported the following:
可処分所得に占める住宅ローン返済額の割合も２０・６％と過去最高だった。
　住宅ローン返済額の月平均は１０万２０６９円（年間約１２２万円）で、前年より名目で０・５％増えた。住宅ローン世帯の割合が増えたことについて、農林中金総合研究所の南武志氏は「金利が低いことや住宅ローン減税が要因」と指摘している。
　また、１０年のサラリーマン世帯（単身世帯を含む）の実収入の月平均は４７万１７２７円で、物価変動の影響を除いた実質で前年比２・３％増えた。このうち税金や社会保険料などを除いた可処分所得は３８万９８４８円。食料費や光熱・水道費などの消費支出は２８万３４０１円だった。
(試譯)
The amount of housing loan repayment in the disposable income was 20.6%, being the highest in the past.
The monthly average amount of housing loan repayment was 102,069 yen (It was about 1.22 million yen a year), and in terms of figures, it had increased by 0.5% compared with the previous year. Minami Takeshi of the Norinchukin Bank General Institute was pointing out that the ratio of homes with the housing loan had increased, "the low interest rate and tax break for those who buy houses are factors".
Moreover, the 10-year monthly average household net income of business employees (the single-person household included) was 471,727 yen, and it had increased by 2.3% in substance compared with the previous year after excluding the influence of price changes. The disposable income excluding tax and social insurance premium etc. would be 389,848 yen. Consumer spending on food expenses and light and fuel, and water service expenses etc. were 283,401 yen.

It seems that the living standard of average business employees has not changed much.