newspaper reporter Wen hee
Zhao Bin, who was married at the beginning of
last year, was the most stressful. Although he bought a house in his hometown, he had a about 500000 yuan loan, and the family had helped to pay 300 thousand yuan, and the rest of the mortgage loan was too embarrassing to reach home. "My monthly income is only five thousand or six thousand yuan, but the light housing loan is nearly 4000 yuan,diesel jeans clearance, the daughter-in-law's income is similar to me. The mortgage accounts for almost 40% of our total income. This proportion is very scary." Xiao Zhao shaking his head, Yali mountain is big! "I'm more than 30 years old, and I'm going to face the problem of having children, and both parents are older, and future education, medical care and mortgage are big."
Zhao Bin has worked for more than 3 years. The year-end bonus has risen from the initial 3000 yuan to the current 30 thousand yuan, and his wife Lili's year-end bonus also has 10 thousand yuan. Two people have "five risks and one gold" in their units, but the purchase is commercial loans, and the highest interest rate is implemented. The benchmark interest rate rises 10% or 7.205%. It turned out that Zhao Bin's year-end bonus was originally in the field, and the loan was not available, and his wife's provident fund was not enough time to pay for it. At present, the balance of Zhao Bin's provident fund has 36 thousand yuan, and his wife's provident fund balance is 8000 yuan.
husband and wife two people's monthly income adds up to about ten thousand yuan, and the cost is about 6000 yuan,wholesale clothing outlet shop, the monthly supply of 3938 yuan, and more than 2000 yuan daily expenses, of which the traffic fee is 400 yuan, the telephone fee is 200 yuan,Cheap Designer Clothing, the food fee is 1000 yuan, and there are more than 1000 yuan per quarter. At present, two couples do not have any savings, but only 10 thousand yuan in the balance of treasure [micro-blog].
by the end of the year, the two husband and wife will have a 40 thousand yuan at the end of the year, Zhao Bin began to plan how to make use of the money, and spend all the money on the blade.
"mortgage interest rate is too high, the interest is huge, 3938 yuan a month, the capital is still less than 1000 yuan, the loan has been 1 years, to more than 40 thousand, the result is only 10 thousand yuan." At the thought of these, Zhao Bin's heart was as painful as a knife. Therefore, his first thought is to use the year-end bonus to repay the loan ahead of schedule. But his wife reminded him: "next year, we plan to conceive and give birth to a baby. Her late wages will be affected, and expenses will rise in a straight line. It's safer to use the year-end bonus as an emergency reserve fund.
husband and wife two people disagree, hope our financial planners help plan well.
financial goals:
1, 40 thousand yuan year-end award how to take care of?
2,cheap electronics, we want to reduce mortgage interest rates and reduce mortgage pressure.
3, preparing for the birth of the baby next year.
"suggested that Zhao Bin can take an active interest in the local provident fund related policy information. Once the relevant rules are issued, it will be able to handle the off-site provident fund".