What is the position of a family with a deposit of 500,000 yuan in my country?

What is the position of a family with a deposit of 500,000 yuan in my country?

The answer is: upper middle position.

First of all, don't look at the deposit of 500,000 yuan does not seem to be much, but it is definitely not less, in reality, most people are holding a salary of several thousand yuan and living a plain life, and high-income people are very few after all. <>

Now the cost of living is so high, coupled with the cost of children's education, as well as the cost of medical treatment, etc., many people are busy for a year, and they can't save a few dollars, so there are 500,000 yuan, which is really not easy, and there are many rich people who may not have so many deposits in their hands, because the rich group tends to invest money in equity, **, **, real estate and other fields, and there are not many bank deposits in their hands.

According to the data of the central bank, as of the first quarter of this year, the balance of household deposits in China was one trillion yuan, and if it is calculated according to the population of 1.4 billion, then the per capita deposit is 10,000 yuan. <>

Of course, it is unscientific to use an average, because about 5% of the rich have more than 400,000 per capita deposits, while the remaining 95% have only more than 20,000 per capita bank deposits. Therefore, the per capita savings of the vast majority of households in the country do not reach the average of 10,000 yuan.

Even according to the average of 10,000, according to the most common family of three, then, the average family deposit is 10,000. If it is calculated according to a family of four, then the average family deposit is 10,000. <>

In either case, the household deposit of 500,000 is exceeded.

Generally speaking, people with 500,000 deposits basically have a house and a car, and in addition to these 500,000 deposits, other assets will also be very considerable.

It can be seen that families with 500,000 savings are more than less than the upper than the lower in China, and they are definitely at the upper middle level, and they will live a more comfortable life and have a higher quality of life.

So, what's the situation for everyone? Do you have a deposit of 500,000 in your family? If not, then it's time to try!

The position of the middle and lower level has not reached the well-off level, but it is better than many families.

The deposit of 500,000 yuan is considered an upper-middle level in China, and now many people are moonshine families, only housing loans, no deposits.

In our country, it is considered to be in the upper middle position. Because many families are now struggling to make ends meet, there are not many families with 500,000 savings.

Hello, you want to say. Is a family's 500,000 savings considered a wealthy family? He doesn't count for now.

Too wealthy family, but also a wealthy family. Because a deposit of 500,000 is also a large number. In an ordinary family, she is still a high-class family.

Because the average family income is relatively low. There is no income that is too high. It's also very difficult to save 500,000 yuan.

So 500,000 is also considered a wealthy family. Being able to save 500,000 yuan is sure that the family's income is also very high, and there is a fixed income every year. That's why it's a wealthy family.

Although now a family has a few 100,000 is nothing. Because after all, the people's living standards have improved, and it is normal for families to have a little savings. But 500,000 is still a big number for an ordinary person.

Some jobs earn only two or three thousand yuan a day and a month. You still have to use money in your life, and the rest of the money every month is insignificant. If you want to change it to 500,000, how many years do you say it will take?

And families of this income. In a small place in general, there are still a lot. That's all there is to the monthly income.

There are also expenses. So it's 500,000 too. It's not easy.

500,000 in such a family, that is a wealthy family. He has no worries, at least in case of emergency, he will have a certain amount of savings.

Modern society. Millions or even tens of millions of things happen from time to time, and they are reported from time to time. For these, after all, it is.

Minority. Only a few people have this. Deposits or income.

Now I feel the best income. The highest-paid ones are celebrities. The income of entertainment stars is simply too high.

There are tens of millions, millions, trillions, hundreds of millions at every turn. Let our little people really be out of reach. Special envy.

They have such a good income. I don't know why they make money so easily and so quickly. I remember that there is a celebrity who spent 200 million on a marriage and 200 million are ordinary people.

How many families? How many families can't earn in a lifetime. Together, you can't earn it.

Two hundred million. For most families, it is. Astronomical.

Lifetime. I can't even fight for a few lifetimes. So for those of them it is easy to earn money.

Really. Somewhat. It makes people feel unfair, but there is no way, people have this talent to have this talent.

We should still tax them a little more on our income. It depends on the people for the people, so that they can give more of their income back to the society and return to the life of ordinary families. Ordinary people.

Also standing on their side has also been some. Day. OK.

In front of these people, 500,000 is nothing, and it may not be enough for people once. A meal is spent. So 500,000 looks like it's compared to whom, if it's compared with these people, it's really a drop in the bucket.

It's incomparable.

A family's savings of 500,000 yuan is not considered a wealthy family, and it may not even be considered well-off, and those who buy or own a house in the city do not have assets of more than 500,000 yuan.

It depends on how long the deposit is, and if you save it for a lifetime, of course it doesn't count.

According to the savings habits of the Chinese people, being able to have 500,000 deposits is really a rich family.

Chinese people have different savings and living habits than Western countries. Chinese pay attention to a fallen leaf to cover the root of the tile, so the first thing to do is to buy a property of your own. In China, due to the continuous development of real estate as a pillar industry of the economy in the first 20 years, domestic housing prices are also constantly improving, especially in cities like Beijing, Shanghai, Guangzhou and Shenzhen, it is very difficult to have a set of real estate of their own.

Compared with Westerners, Chinese prefer stable forms of financial management, and their expectations for income are not very high. Therefore, many families use all their savings to buy fixed assets - real estate, and the cash left for their own life is only used for savings and daily life.

According to the survey conducted by the central bank when it formulated the deposit insurance regulations, the number of people with deposits less than 500,000 in the country accounted for it, so there was a standard of up to 500,000 yuan if the bank failed. This amount is still a very normal data if it is combined with China's national conditions. And those who can have 500,000 spare money in the bank can be said to be rich.

On the one hand, they saved 500,000 cash without the pressure of buying a house, that is, their fixed assets reached at least one property. A deposit of 500,000 yuan is "spare money", and it is not easy for the post-90s generation to have a bank account of a few thousand yuan, and if there is 500,000 spare money in the account, it is a crab that can walk sideways. But that doesn't mean that only a deposit of 500,000 spare money is a symbol of the rich.

Now that many families have bought more than one house, a certain amount of savings, whether it is 200,000 or 300,000, can be called rich.

On the other hand, household savings are not necessarily in individual accounts, sometimes they are scattered across multiple accounts, and sometimes they are stored in common household accounts. But there are more scattered situations in real life, so if one account is 200,000 yuan, two accounts 500,000 yuan can say that the family's life is not rich? The answer is no.

Everybody's definition of wealth is different, and when we see that a lot of people have more than one home, it's actually much better than a lot of people, so it doesn't conflict with the statistics made by the central bank.

If you already have a car and a house, and you have a deposit of 500,000, then you are definitely considered rich.

Not counted. 500,000 yuan in a second-tier city, the down payment for a house can't be paid, let alone a first-tier one.

And now that the national economy is improving, an annual salary of 100,000 yuan is very common, and after a few years of accumulation, 500,000 yuan will come out, so 500,000 yuan can only be regarded as well-off, not rich.

No, if you have 500,000 yuan, and you have a house and a car, no mortgage and car loan, and you have a regular job, you are considered rich.

Congratulations! There are half a million deposits. There are half a million around me. In China, I think I am much richer than most people.

This money may be worth 200,000 in ten years!

With a personal account, you can deposit the entire family's money into one person's account.

According to the data given by the central bank some time ago, the total deposits of Chinese residents have reached one trillion yuan, and the per capita deposits have reached about 80,000 yuan based on the population of 1.4 billion. So judging from the per capita deposit data given by the central bank, China's household deposits of 500,000 yuan should be regarded as a low level.

Moreover, the central bank also gave corresponding data showing that among all users who opened bank accounts, the user deposit balance was less than 500,000 yuan. In other words, only users have a deposit of more than 500,000 yuan in their bank account.

At present, the number of people who have opened bank accounts is about 1.3 billion, and the number of users who actually have more than 500,000 deposits is almost 5 million. Among the 5 million people, many of them are two or three people in a family who have more than 500,000 yuan in savings at the same time. This also means that households with more than 500,000 savings should account for about 2% of the total number of households in the country.

Paragraph Jane. In fact, it is also an important basis for the deposit insurance regulations to set the protection limit of deposits within 500,000 yuan. For banks, relatively little money can be spent, so that the property security of the vast majority of people's deposits can be guaranteed. First burn slippery.

In 2020, a sudden epidemic made many people realize the importance of savings, as long as they went to work on time, there would be an income enough to meet the daily expenses of the family every month, but if it was like during the epidemic, there was no income from work, then the importance of deposits was reflected, and the new deposits in the first quarter of 2020 reached trillions, this data made many people sigh, are people so rich now, so do families have more than 500,000 deposits?

With the continuous development of social economy, people's income is getting higher and higher, and the price level is also ** year by year, 500,000 is not much in the current society, but if you want to say that there is a deposit of 500,000, then it is still more difficult. According to relevant data, in 2018, less than 6 million people in China's domestic bank deposits exceeded 500,000 yuan, that is to say, people with deposits of more than 500,000 yuan are less than the total population of China, and the deposits in the first quarter of 2020 are much higher than the same period last year, but the total life of more than 500,000 deposits is still not more than 10 million people, which shows that there are not many families with 500,000 deposits in China.

The monthly income of most residents in China is still about 3,000 to 6,000 yuan, because there are only a few first- and second-tier cities in China, and only the wage level in first- and second-tier cities will be 10,000 yuan, and for people in first-tier cities, family savings of more than 500,000 yuan are still more, but for most third- and fourth-tier cities, the normal monthly salary is about 3,000 yuan to 6,000 yuan, if calculated according to a family of three, a family of two laborers has an income of about 100,000 yuan without eating or drinking.

With the continuous development of the economy, prices are also constantly **, more than half of our monthly salary has to be spent on daily living expenses, that is, it is very good to be able to save 50,000 yuan a year, if you want to save 500,000 yuan, then in the case of no accident, you need to save 10 years to save enough.

In addition, for most families, the house is just needed, in recent years, China's housing prices all the way, people's wage income is far from catching up with the level of housing prices, for most families, it is more difficult to buy a house in full, so more and more families will choose to take out a loan to buy a house, once the mortgage is handled, then it means that in the next few decades will have to experience the life of repaying the loan, for these house slaves, there is no salary to remove the mortgage, has been living expenses, basically no surplus, So needless to say, with a deposit of 500,000 yuan, the monthly salary can pay off the mortgage, and it is already good to ensure the basic life.

Nearly 500 million households.

The standard of living has improved, the slag pockets are getting more and more bulging, and there are more and more natural savings, and there must be countless people who can come up with 500,000 deposits. It is understood that the average household deposit in China is about 10,000 yuan, and the total deposit in 2021 will be as high as one trillion yuan, ranking first in the world, with a per capita deposit of 10,000 yuan. At the end of 2021, the balance of household deposits exceeded 103 trillion yuan, and in the first half of this year, China's household deposits increased by one trillion yuan, that is, about 57.1 billion deposits entered the bank on average every day, China's population was 1.4 billion, nearly 500 million households, and the savings rate once exceeded 50.