房地产市场的扭曲是促使人们增加储蓄的又一个重大因素，特别是对那些努力凑钱支付首套房高额首付的年轻人来说更是如此。 落后的金融体系是导致高房价的原因之一，它使得住房成为银行存款保值的极少几个替代选择之一。
Distortions in the real-estate market are a powerful motivation for saving, particularly among young people who struggle to meet the high down-payment needed to buy a first home.