Abstract
YORK Zhao, 30, a business unit of Wuhan Economist, a monthly salary of 3,500 yuan; Zhao wife, aged 28, in a private company, the monthly income of 2,500 yuan. About 25,000 two year-end awards.
Family files
Mr. Zhao, 30, a business unit of Wuhan economist, a monthly salary of 3,500 yuan;
Mrs. Chao, 28 years old, in a private company, the monthly income of 2,500 yuan. About 25,000 two year-end awards.
9 月 18 日 got married, there were no children.
In addition to the couple
usually 1,500 yuan monthly basic living expenses, but also to provide living expenses for 1,000 parents, communication charges 500 yuan, 3,000 yuan a year travel expenses.
As well as micro-credit loans outstanding principal and interest together 6,000 yuan, 500 yuan a month, fixed terms of repayment. In addition, there are funds at fixed investment Zhao 1,000 yuan per month, the monthly expenditure of 200 yuan premium.
Assets, the couple currently has 10,000 yuan demand deposits, time deposits 70,000 yuan, 20,000 yuan equity funds.
Commercial insurance, Mrs. Chao has the protection of the insured amount of 30 million life insurance, annual premium of 2,400 yuan Jiao, Mr. Zhao has not insured.
Financial goals
Sanshiyiting recent plan to buy a house, and live separately from their parents, both parents can fund 20 million; plans epigenetic children 3 years.
Geng
newspaper special financial planner recommended:
Average annual inflation rate assumption of 3%, 3% of couples of wage growth, house prices rose 5%, investment return rate of 5%.
First, purchase planning. Taking into account the annual savings for Zhao reasonable proportion of money to repay the mortgage, the housing will be selected in Wuhan city a lot of pressure on its financial result, and not conducive to the accumulation of gold in the future education of their children.
Proposed 4,000 yuan per square meter of housing choice within the housing, housing price in 48 million or so.
Down payment to 25 million, reducing the pressure of monthly repayment in the future, parents can sponsor 20 million, plus the purchase-related taxes, Jian Zhuangxiu costs and other factors, the couple must bring their own 80000 yuan. The current status of the family assets, could not be achieved. Therefore, there are two feasible options to choose from:
Program A:
First and their parents, ready to be self-models, then buy a house. Extracted annually from the year-end savings to invest 5 million for the accumulation of self-models.
Year later, together with the existing interest-earning assets and fund investment programs continue to accumulate, can afford to buy a house cost to buy a house in the birth of a child to complete plans. Mortgage to buy a house for 10 years, the loan 23 million annual installments of 36,000 yuan or so per year for the original accumulation of capital can be converted to mortgage payments. (Because the two sides of 5 million yuan per year savings, it can be early repayment, but also reduce the loan interest payments, at least 3-4 years in advance.)
Plan B:
To rent, then buy the same kind of housing is about 1,000 yuan per month rent, annual rent of 12,000 yuan. Annual investment of 3.5 million as the accumulation. 2 years later, together with the existing accumulation of interest-earning assets to meet. Children in kindergarten, they can own their own homes. Mortgage for 10 years, annual installments of 36,000 yuan or so, the original annual rental expenses can be converted to mortgage money.
Mr. Zhao would like to purchase as soon as possible if
suggested Mr. Zhao may be appropriate to reduce the requirement to buy a house, select the Bedroom house prices in about 36 million homes, down payment assistance from the parents, the monthly payments are relatively mild .
Growing up to be a child is born, and when the income has increased, and back to a bigger house.
Second, the insurance plan. The child will be born, with first and family security plan. Zhao buy enough for the insurance, to protect the child after the birth of the quality of family life.
Third, children’s education planning. Birth of the child first and foremost is to meet the child at birth a large capital expenditure, as well as children from kindergarten the next ten years, the accumulation of education costs. Zhao proposed to increase from now on financial investment, good enough gold for their children’s education has become the focus of future life.
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