Mr Zhao, 30 years old, division of economy of unit of Hefei something estate, monthly pay 3500 yuan; Mrs Zhao, 28 years old, work in company of some privately owned, lunar income 2500 yuan. Award adds up to both sides about end of the year 25000 yuan.
Domestic archives
Mr Zhao, 30 years old, division of economy of unit of Wuhan something estate, monthly pay 3500 yuan;
Mrs Zhao, 28 years old, work in company of some privately owned, lunar income 2500 yuan. Award adds up to both sides about end of the year 25000 yuan.
Married on September 18, still do not have children at present.
Financial current situation
Husband and wife two divide expenses of every months of basic living at ordinary times 1500 yuan outside, offer parental living cost even 1000 yuan, intercourse incidental expenses 500 yuan, travel every year defray 3000 yuan.
Because still have small capital and profit of credit remaining sum is total 6000 yuan not pay off, want 500 yuan every months to secure reimbursement. Additional, mr Zhao still has fund fixed norm invests 1000 yuan every months, insurance premium every months of defray 200 yuan.
Asset side, both sides of husband and wife has current to deposit money at present 10000 yuan, time deposit 70000 yuan, stock fund 20000 yuan.
Commercial insurance respect, mrs Zhao already was cast protect the forehead to spend danger of the safeguard of 300 thousand birthday, year pay insurance cost 2400 yuan, mr Zhao had be notted cast protect.
Target of conduct financial transactions
The near future plans to buy a 3 rooms the housing of one hall, live apart with parents, bilateral parents can aid financially 200 thousand yuan; Plan child of have a youthful look 3 years.
Shi Ligeng of conduct financial transactions of our newspaper engage by special arrangement suggests:
Suppose year all inflation is led 3% , wage increase rate of husband and wife 3% , house price rises rate 5% , investment return rate 5% .
One, the program that buy a house. Consider Mr Zhao is annual the reasonable scale that surplus can mortgage a paragraph for repaying, the house that chooses Wuhan downtown will be financial to its create very great pressure, and go against what children will teach gold henceforth to accumulate.
The proposal selects house price every square metre the building of 4000 yuan of less than, it is advisable that house total prices is controlled in 480 thousand yuan.
Head pay raise 250 thousand yuan, ease the pressure that still will shift every months henceforth, parents can sponsor 200 thousand yuan, impose custom duty of the photograph that buy a house cost, brief decorate the element such as charge, criterion husband and wife two still need provide for oneself to be controlled 80 thousand yuan. With the asset condition with current family, still cannot come true. Accordingly, two feasibility program can offer an alternative:
Plan A:
Live together with parents first, need money of provide for oneself preparation is proper, buy a house again. Annual from end of the year the extraction in surplus has investment 50 thousand yuan, use at gathering money of provide for oneself.
After a year, add existing haunt asset and fund cast plan continuity to accumulate surely, can the burden buys room fare, the plan that buy a house is completed when the child is born. Buy a room to deal with mortgage 10 years, loan 230 thousand yuan, annual reimbursement is controlled 36 thousand yuan, use as every year formerly accumulated fund can turn to mortgage a paragraph. (Because both sides has the stockpile of 50 thousand yuan of above every year, because this still can be borrowed ahead of schedule, also reduce the interest pressure of loan, can shift to an earlier date at least 3-4 year. Can shift to an earlier date at least 3-4 year..
Plan B:
Rent a house first, buy a house again, the room lease of congener housing is every months 1000 yuan, year hire 12000 yuan. Invest 35 thousand yuan every year to regard as accumulate. After 2 years, add existing haunt asset is accumulated OK and contented. When the nursery school on the child, can own oneself building. Deal with 10 years mortgage, annual reimbursement is controlled 36 thousand yuan, former annual hire defray can turn to mortgage a paragraph.
If Mr Zhao wants to buy a house as early as possible, proposal Mr Zhao can reduce the demand that buys a house appropriately, choose two rooms the house that price of one hall room controls in 360 thousand yuan, head pay to be aided financially by parents, every months of reimbursement is opposite lighter.
Wait for the child to be born to be brought up gradually, and when income rises somewhat, change bigger house again.
2, insurance program. Before the child will be born, want to do good family to ensure a plan first. The gentleman that it is Zhao buys enough insurance, will ensure quality of child postnatal domesticity.
3, children teachs a program. Children is born principal is the expenses of a good deal of fund when dealing with a child to be born, and educational expenses of ten years when the child will begin from nursery school henceforth is accumulated. Proposal Mr Zhao begins to increase economy investment from now, had done enough children to teach golden preparation, make the focal point that lives in the future.
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