Photo journal: First-time homebuyers in Beijing

Lucy reckons furniture, kitchen and electrical goods will cost from 40,000 to 60,000 yuan.

Luckily her boss understands why she is distracted. "He has just finished the decoration of his new home."

Home loans are new in China so borrowers like Lucy have never had to cope with interest rate risk.

But recently the government has said rates may need to rise.

"They will be really cautious...because it's a concern to everyone".