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英青少年對未來收入太樂觀欲25歲前買房
How teenagers 'think they will be earning ￡60,000 at 35'

[ 2011-05-10 08:26]

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The average teenager expected to be earning ￡61,700 by their mid-30s.

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Teenagers are distinctly unrealistic about how much they will earn as an adult, a study has found.

The survey revealed the average teenager expects to be paid more than ￡60,000 a year by the time they are 35.

On leaving education, they anticipate a salary of about ￡16,600, rising to ￡35,400 by the time they are 25 and hitting ￡61,700 by their mid-30s.

But the reality is rather different, with the average 18 to 21-year-old earning just ￡8,595 – rising to only ￡18,705 for workers in their 20s and ￡24,333 for those in their 30s.

The survey of 12,000 teenagers by Royal Bank of Scotland revealed they are equally unrealistic about climbing on the property ladder, with 53 per cent expecting to have bought their first home by the time they are 25, while 82 per cent are confident they will have done so by the age of 30.

But figures from the Council of Mortgage Lenders show that the average age of a first-time buyer is 31, while in the past five years just 20 per cent managed to purchase their first home by the age of 25.

However, there is a far more realistic outlook about student debt, with 39 per cent of 16 to 19-year-olds expecting to owe more than ￡20,000 when they graduate, compared with only 20 per cent when the same research was carried out in 2007.

It is estimated those who started university in October 2010 will owe ￡24,700 by the time they finish.

(Read by Lee Hannon. Lee Hannon is a journalist at the China Daily Website.)

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(Agencies)

一項調查發現，英國青少年對自己成年后的收入有著很不切實際的期望。

調查結果顯示，青少年普遍預期自己在35歲之前年收入超過6萬英鎊。

在剛畢業時，他們期待年薪為1.66萬英鎊左右；在25歲之前，他們期望年薪能升到3.54萬英鎊；在35歲時，他們期望年薪能達到6.17萬英鎊。

然而現實卻遠非如此。18歲到21歲的人群平均年收入只有8595英鎊，20多歲的人群年收入較多，但也只有1.87萬英鎊，而30多歲的人群平均年收入為2.43萬英鎊。

蘇格蘭皇家銀行開展的這項調查涵蓋了1.2萬名青少年。調查顯示，英國青少年對于購置房產也有著同樣不切實際的期望。53%的青少年期望在25歲前買下自己的第一個房子，82%的青少年相信自己會在30歲前實現買房目標。

然而，來自英國抵押貸款協會的數據顯示，首次購房者的平均年齡是31歲，而在過去五年里，只有20%的人能在25歲前首次購房。

不過，青少年對于學生債務的預期要現實得多。16歲到19歲的青少年有39%預期到畢業時會欠下超過2萬英鎊的債務，而2007年開展的同一調查顯示，只有20%的人有這樣的預期。

據估計，從2010年10月開始就讀大學的學生在畢業時將會欠下2.47萬英鎊的債務。

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