Miss Liu, 27, is a foreign staff, after-tax monthly income of 4,500 yuan, her husband Mr. Zhang working in a state-owned enterprises, a monthly salary of 5,000 yuan, but he and another 4,000 yuan per month in additional revenue, they both have five full insurance. Currently 10 million households have savings, no other investment, the family has two cars, a value of 8 million, a 13 million yuan, the total expenditure of 4,000 yuan per month, plans to buy five years of a 1.2 million unit Jiangbei used two-bedroom houses for investment, plan to have children within two years. Family financial management would like to ask advice of experts.
Bank of Nanjing, Huaihai Branch Banking Manager Zhu Yingli Analysis: Miss Liu and her husband's work are more stable, more secure income, a fixed monthly income of about 13,500 yuan, their families annual income of 162,000 yuan, the annual expenditure of 48,000 yuan, the annual balance of 114,000 yuan, deposits of 10 million, no debt.
Zhu Yingli suggestions: l, purchase planning: Suppose choose to buy second-hand house price of 1.2 yuan, covering an area of 100 square meters, total about 120 million, the first Fusan Cheng, 30-year mortgages, down payment of about 40 million million, 80 million loans, the monthly repayment expenditure of around 5,000 yuan, less than the average monthly repayment on the balance of payments pressure is small, 5 years after the total 570,000 yuan, to meet the down payment and renovation expenses. 2, the children's education plan: children, family education is an important expenditure item, it is recommended to do the following financial arrangements Miss Liu, the first to purchase adequate life insurance, or children's education insurance, small investment to protect the large exemptions risk of accidents of life can also escort. Also recommended the fund is scheduled to vote, Miss Lau balance of approximately 9,500 yuan monthly family, five years after the mortgage payment of about 5,000 yuan, 5,000 yuan two years ago to do fund investment, the third child was born can be changed to 4,000 yuan, the first five years purchase of real estate can be reduced to 3,000 yuan, while pension funds can also be cast, tourism, parents aside adequate funding of maintenance. Miss Liu family needs all the expenses are rigid, can be considered to make the appropriate configuration of bond funds, risk reduction, revenue increase, to resist the downward pressure on asset inflation. Chen Chunlin
No comments:
Post a Comment