Buy a car China ocean guy willing to endure a monthly income of 20 thousand to finance Sohu financia-war3.replays.net

Buy a car China ocean guy willing to endure a monthly income of 20 thousand to finance? Sohu finance is a Hebrew, "daochamen" Reed received the Chinese Richwood ocean son-in-law, a few meters tall, very thin, golden hair, looks very artistic temperament. He and his wife China met in the plane, it is love at first sight, later Hebrew to his wife, decided to "daochamen" in Chinese life. Although "daochamen", can enjoy all the "treatment" brought by the woman, mother-in-law said to them to buy a house, but the Hebrew but spurned, they rely on their own efforts to buy a car in Chinese. How to achieve the goal? Nanjing is also a big city, lots of good houses, house prices are not cheap, I heard that he saw the house also need 2 million, and then to buy 300 thousand yuan or so cars, not a small number. [finance] Hebrew and Chinese girls are now married, and are still living with their mothers in law. The couple want to buy and buy a car on their own. Hebrew currently teaches foreign languages in a private educational institution, earning 15000 yuan a month and 5000 yuan in other part-time jobs, without insurance. Wife is an accountant, a monthly income of 8000 yuan, there are five social insurance and one housing fund. Usually 4000 yuan per month to the mother in law, the couple’s monthly dining fee, transportation fees, entertainment expenses and so on need 3000 yuan. At present, two people have the savings of 1 million yuan, including 550 thousand yuan bank on a regular basis, 200 thousand yuan to buy 200 thousand stocks, bank financial products, the remaining 50 thousand in the balance of treasure, is usually used. [financial goals] 1, reasonable planning of family assets, make it stable and value-added; 2, the next 3 years to buy a car smoothly. [Financial] according to the analysis of the financial situation of the family and his wife Hebrew the well-known third party financial institutions and domestic financial planner Reed Richwood to their family income, expenditure, assets and liabilities of the statistic and analysis of the annual balance of payments (unit: RMB) annual income annual expenditure of my annual income of 18 million people living the annual income of 96 thousand to 36 thousand overhead spouses mother-in-law living expenses 48 thousand other income 60 thousand other expenses total 84 thousand annual balance of 252 thousand   336 thousand; household balance sheets (unit: RMB)     family household debt and cash current assets (balance PO) 50 thousand housing loan bank deposit 550 thousand car loans stock investment of 200 thousand     bank financial; 200 thousand     total million total household net worth million   Hebrew has long used the Chinese way of life, and buying a house and buying a car has become the family financial goal of the Hebrew family for the next 3 years. From the annual income and expenditure statement of the above Hebrew family, it can be seen that both husband and wife have stable work and income at present, and they are also typical Chinese ordinary wage family living conditions, and the annual income is good, reaching 336 thousand yuan. The same. 洋小伙肯吃苦中国买房买车 月入2万如何理财?-搜狐理财  希伯来,是嘉丰瑞德接待的一位“倒插门”的中国洋女婿,一米八几的身高,清清瘦瘦,金黄的头发,看上去很有艺术气质。他和他的中国妻子是在飞机上认识的,也可谓是一见钟情,后来希伯来为了妻子,决定“倒插门”留在中国生活。   虽说是“倒插门”,可以享受女方带来的一切“待遇”,丈母娘说要为他们买房,但是希伯来却一口回绝了,便要靠自己的努力在中国买房买车。如何实现目标呢?南京也是大城市,地段好的房子,房价也都不便宜的,听说他看中的房子也需要200万,再要买30万元左右的车,不小的一笔数目。   【财务状况】   希伯来和中国姑娘目前已结婚,目前仍和丈母娘住在一起,未来夫妻俩想靠自己的努力买房买车。希伯来目前在一家民营教育机构教外语,每月收入15000元,其他兼职月收入5000元,没有保险。媳妇是一名中级会计,每月收入8000元,有五险一金。平时每月给丈母娘生活费4000元,夫妻俩每月就餐费、交通费、娱乐费等需要3000元。目前两人手中有了100万元的积蓄,其中55万元存银行定期,20万元进行炒股,20万购买银行理财产品,剩余的5万在余额宝中,便于平时取用。   【理财目标】   1、合理规划家庭资产,使其稳定增值;   2、未来3年内顺利买房买车。   【财务分析】   根据希伯来和妻子提供的家庭财务状况,国内知名第三方理财机构嘉丰瑞德的理财师便对其家庭的收入、支出、资产及负债进行了统计和分析: 年度收支状况(单位:元) 年收入 年支出 本人年收入 18万 两人基本生活开销 3.6万 配偶年收入 9.6万 给丈母娘生活费 4.8万 其他收入 6万 其他支出 合计 33.6万 合计 8.4万 每年结余 25.2万   家庭资产负债状况(单位:元)     家庭资产 家庭负债 活期及现金(余额宝) 5万 房屋贷款 银行定存 55万 买车贷款 股票投资 20万     银行理财 20万     合计 万 合计 家庭资产净值 万     希伯来早已习惯了中国的生活方式,买房买车也成为希伯来未来3年的家庭理财目标。从以上希伯来家的年度收支状况表可看出,夫妻俩目前有稳定的工作和收入,也是典型的中国普通工薪家庭生活状况,每年收入不错,达到了33.6万元。同时平时生活简单,每年的生活开支仅有8.4万元,结余每年达到了25.2万元,结余率达到了75%,非常高,希望能继续保持。   再从以上希伯来的家庭资产负债状况表来看,目前家庭净资产达到了100万元,无任何负债。有稳定的工作和收入,而且没有任何负债,建议未来买房可以采取贷款的方式买房和买车。   另外在家庭投资方面,像股票这类高风险的投资比例过高,嘉丰瑞德理财师建家庭资产需要重新配置。其次,目前银行定存利率低,家庭大半的资金全部存银行,这不利于资产的增值。   【理财建议】   、建议先买房,再买车   从希伯来家目前对房和车的需求来看,买房是刚性需求,所以建议3年理财计划中先买房后买车。另外,选房时,首先建议不需要一味追求一步到位的大户型,不妨先买小户型二手房,“贪大”未来还贷压力会很大;其次房贷贷多少要早做盘算,一般而言,还贷压力是与家庭的收入水平有关的,收入越高,还贷压力就越小。不过,随着家庭收入的增长,也需要及时调整贷款余额。   、重新调整资产配置比例   希伯来和妻子,在3年内买房买车是主要目标,而且买房是刚性需求,为此嘉丰瑞德理财师建议希伯来在家庭的投资方面,要以为稳健为主,优选安全且稳定收益的产品,减少股市投资资金。此外,目前银行存款1年期的利率仅为1.5%左右,而且今年三四月份还有可能会降息,为此建议尽快减少银行存款的比例。有闲余的资金不妨置一些安全且稳定收益的产品,就比如说去年走销市场的稳利精选基金,年收益8%左右,今年仍是不错的选择。对于银行理财这块,理财师建议时时关注产品后期的运营情况,以及产品的到期时间,一旦到期及时选择下一个投资,别延误了投资好时机。   希伯来在中国生活,保险必须要配上的,可以选择一些纯保障类的商业保险,比如养老型保险或重大疾病险,目前配置海外保险也是一种趋势,优势是保费低,保障的疾病种类多,希伯来可以根据财务情况及保障需求,综合考虑选择配置。相关的主题文章: