Now that the monthly income is 8,000, and the man is 28 years old and has a deposit of 100,000, what

Middle-class people have a certain pursuit of quality of life, so a necessary guarantee for complete supporting facilities can improve the quality of life, hospitals, shopping malls and other supporting facilities are the most basic conditions.

However, there is still a big difference between the ability to pay and those rich people in the real sense, so when buying a house, the type of house, the area of the house, etc., need to be decided based on their own economic situation.

When you buy a car, you can go to the circle circle and take a look at the new car, there are many models to choose from, and it can be used for individual households, and the down payment is also low and cost-effective.

For the good and bad judgment of the location, we should do a good job of understanding this aspect in advance, and then make the most correct judgment.

When we buy a house, we must be more cautious, more thoughtful, and the most important thing is to conform to our own hearts.

According to the data released by the Bureau of Statistics, in August 2019, the average sales price of newly built commercial residential buildings nationwide was 9,527 yuan per square meter, a year-on-year increase. In the same period, the average transaction price of residential land in 300 large and medium-sized cities across the country was 2,646 yuan square meters, a year-on-year increase of 16%.

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If you assume that your salary is $5,500 per month now, the salary increase will be 15% per year in the future.

Pay 3,000 yuan per month for rent, water, electricity, food, clothing, entertainment and other expenses, (accounting for your income, the remaining salary is 2,500 yuan * 12 months = 30,000 yuan, then the principal of the funds that you can use for financial management in the first year is 3w yuan, and the principal amount that can be used for financial management within 5 years is 3 + 3 * thousand yuan, plus your existing deposit of 10,000 yuan, your financial principal is 10,000 yuan. However, all your savings must not be used for financial management, for the sake of liquidity payment, there must be about 10,000 yuan in hand as emergency funds, so we will approximate the amount of 200,000 yuan.

200,000 yuan will definitely not be able to pay the down payment of the same ** house after 5 years, because it is necessary to consider the inflation factor, and the down payment of 20w to buy a house will actually need 20 * (1 + 5%) 5 = after 5 years, which is actually equivalent to 25 principal and income after financial management with 200,000 yuan.

Then the annual rate of return on wealth management = 5 25 20-1 =, that is. In fact, the annualized rate of return can be achieved through many financial means, such as the purchase of treasury bonds, or the target of ** products with large bond weights, or the bank's capital-guaranteed wealth management products, which can be achieved.

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Protect existing income and reduce additional expenditures, while making value-added investments or creating a second income option.