How much savings do rural households generally have now? On what basis?

How much savings do rural households generally have now? On what basis? Now the situation is different.

With the development of the rural economy, peasants' incomes have increased markedly. Some families have saved more than millions or tens of millions, several times more than before. Some wealthy families not only have houses in the city, but also cars at home.

They usually eat better, dress better, and spend more than others. Farmers in different regions have different incomes and consumption needs, so there is no standard concept to measure the amount of normal savings.

Of course, this does not mean that rural people cannot save. In addition to meeting the family's daily living expenses, rural people also need to meet the upgrading costs of the family's happy life, such as buying a house and a car, the health and nutrition of the elderly, and the education of children. If rural families have already met all their needs by earning money, and there is money left, of course they will save money and will not be confused.

And rightfully so. As for how much money each rural family can save, this is not a normal topic. If we look at the problem from the perspective of meeting the family's daily living expenses, I think that the annual residual economic income is a normal family.

Of course, the more money we have each year, the better and more normal the family will be. The premise is that we have to meet the needs of family life every year.

How much savings do rural households typically have right now?

In rural areas, it is difficult to tell if the family is in a normal state.

There are disparities between regions. With the development of the rural economy in the eastern and coastal areas, the income of farmers is getting higher and higher. Generally speaking, it is not difficult to save 50,000 100,000 yuan per labor force per year. in the central region.

In addition to basic living expenses, you can save 30,000 to 50,000 yuan per year. In the economically underdeveloped areas of the western region, it is normal for the per capita annual savings to be 13,000 yuan.

It's not the same way to make money. Some people rely on agriculture or farming in rural areas to earn a different income each year. People who do business are different. Working people earn more than they earn from farming at home. A job is considered any job and the pay is different.

The basic situation and economic foundation of the family.

Different. Some families have no elderly or only one child, so the financial burden is light, while others, on the contrary, have a heavy financial burden. Some children spend a lot of money on education, and some families have to buy houses and cars, which puts a huge financial strain on them.

Some are losing money in business, saddled with foreign debt, and are in financial difficulty. Therefore, these reasons determine that households save more. Therefore, the amount of household savings does not represent the reason for the normalization of rural households.

In generally developed rural areas, the ideal situation of deposits is 500,000 or 600,000 yuan, but the actual savings are likely to be only 200,000 or 300,000 yuan. For some places that are slightly lacking, the ideal deposit is about 300,000 or 400,000 yuan, but in fact, there are few rural general deposits with more than 100,000 yuan. But the daily expenses are still there, the cost of children's education is also there, children are married, and human contacts are indispensable, so buying a house in the county has become the top priority in remote areas.

The countryside doesn't seem to cost money, but the places where they spend money are very large. In the city, there may not even be a wedding bride price, but in the countryside, if you don't have it, you will lose face, and it will not be a thing at all.

Rice can be harvested twice a year, calculated according to the yield of 1,000 catties per mu, a maximum of 20,000 catties can be harvested a year, if 1 yuan per catty of rice, then the maximum income is 20,000 yuan a year, in addition to the cost of fertilizers, seeds, pesticides, etc., as well as the family's living expenses, a year can save 10,000 yuan is considered to be the top of the sky. According to the situation of saving 10,000 yuan a year, it takes 20 years to save 200,000 yuan, and 500,000 yuan to save 500,000 yuan, which many families can't do, so generally speaking, a family can have a deposit of tens of thousands of yuan is very good.

Personally, I think it is normal for rural families to have a deposit of about 300,000 yuan; Because in today's society, money is still relatively easy to earn, and there are many ways to earn money, so 300,000 yuan can be saved.

1. It is normal for ordinary farmers to save 1-20,000 yuan a year.

In some mountainous rural areas in the south, cultivated land resources are relatively tight, and on average, less than 3 mu of cultivated land can be allocated to a population. If you plant some rice, corn and other food crops, it is very good to have 2,000 yuan per acre of land, but excluding the cost of input, the net income is within 800 yuan, that is to say, if you have 6 acres of land, the net income is about 5,000 yuan. Like our village, many farmers plant melons this kind of Chinese medicinal materials, large-grained varieties, door-to-door purchase of ** for 19-20 yuan catty, into the harvest period of an acre of land management can earn about 4000-5000 yuan, 5-6 acres of land can increase income of about 20,000 yuan a year.

Of course, if you want to get a stable income from farming, you have to depend on whether the weather is good, and if you encounter droughts, floods, etc., then your income will be discounted.

2. For farmers who have housing loans, children's schooling and other expenses, it is difficult for their family savings to exceed 100,000 yuan.

Nowadays, many people in rural areas have bought houses in the city, some are temporarily settled in the place of work, some are for their children to go to school, if the family has a mortgage, and the children are in school, and the elderly at home can not help with the baby, then basically they can only go to work alone, so it is difficult for a small family to have a deposit of 100,000 yuan. Just like my family, the elderly on both sides are living in the countryside, not adapted to the environment in the city, not used to staying in the city, can only rely on their own hard work, every month to repay the mortgage, as well as the car, living expenses, insurance, etc., when the child goes to kindergarten, the expenses are not low, only a semester to pay more than 10,000 yuan, a year to pay more than 20,000 yuan, plus interest classes, social practice activities and other expenses, basically have to prepare 30,000 yuan, in addition, a variety of insurance, a year to pay more than 50,000 yuan, Sometimes it may seem like a small expense, but a lot of money adds up.

For ordinary families, the annual income should be 3-40,000 yuan, and the expenses will reach more than 20,000 yuan and close to 30,000 yuan, that is to say, 70%-80% of the annual income is spent, and what can really be saved is about 10,000 yuan.

If you save 10,000 yuan a year, you can only save 100,000 yuan in 10 years. And just saved enough 100,000 yuan, my son has grown up, and he is ready to get married and pay a bride price.

and various fees, the deposit is gone again.

Therefore, in the countryside, it is already good for families to have savings, no matter how much they have spent. A considerable part of them are in debt, although they eat well, wear well, and drive a good car, in fact, there are hundreds of thousands of loans behind.

Speaking of which, you should have understood that rural families, under normal circumstances, will have a deposit of about 100,000 yuan, of course, up and down in this, specifically, each family is different.

For those with a deposit of 100,000 and 200,000 yuan, it is estimated that 40% of them can belong to a family of three or four without the elderly or children; 30% of the families with deposits of 0-100,000 yuan should belong to families of five or six with elderly people and children; 20% of rural households should have no savings, and may still have debts; There are also deposits that can reach 500,000 or 1 million, estimated to be less than 10%.

To sum up, a rural family should have 10-200,000 savings under normal circumstances, but as time goes by, the children grow up and various expenses increase, and these savings will also decrease. Whether it is in the countryside or in the city, it is not easy, and they are working hard.

However, life is like this, keep working hard, keep fighting, and in the end there will be good results. No matter how much you save, the most important thing is to have a good time!

As for how much savings rural households have now, I think it is good as long as they have "enough to spend". However, there are several definitions of "enough flowers", which are for wealthy farmers and poor farmers in rural areas, for example: some wealthy rural families, they have houses in the city, they have cars to go out, they eat delicacies from the mountains and seas, and they wear fur clothes, so in the countryside, their family savings are naturally high.

However, most rural families are ordinary families, because of wage reasons, the monthly salary of ordinary farmers who go out to work is basically about 2,000 to 5,000 yuan (and the salary of tens of thousands of yuan is very little), so this "enough to spend" stock standard is correspondingly less, which is naturally not comparable with the rich families in the countryside. With the continuous development of society, when farmers go out and have money to earn, the vast majority of farmers have moved towards a well-off life, so their families have more savings.

As for the family's savings, it is normal for the average family to have 100,000 yuan in savings, and it is also possible for families in difficulty to have tens of thousands of savings, while as for the wealthier families, it is also possible to have hundreds of thousands or even millions of savings, and of course there are some families in arrears. Therefore, due to other reasons, the amount of deposits in rural areas is naturally different. So the question is, how much savings are generally considered normal in rural households now?

Plum as a rural person to come:

First of all, I will use a real example to talk about how much savings a family in our rural area has, and whether these savings are normal for them.

The per capita savings in China is more than 70,000 yuan, and if a family is calculated as a family of three, it reaches 210,000 yuan, which is considered a normal level.

2. If you have a craft, there are at least about seven or eight thousand a month, and migrant workers are very frugal, so it is no problem to save fifty or sixty thousand a year;

3. There is also a situation where the family unit is a small business, although the business is small, as long as you are willing to work hard to operate, there is no problem in saving more than 100,000 yuan a year.

Rural families may not be sure, the poorer may not have savings, and if they have money, they may have millions of savings.

The less is tens of thousands of dollars, and the more is not more than 100,000.

Except for those well-known and wealthy villages, the vast majority of rural families in the country do not have much savings.

Ordinary rural families have a deposit of 350,000 yuan, which is a lot. If there is one or two hundred thousand, it is already relatively rich. If there is one of three or five hundred thousand, it will definitely be one of the richest people in the entire town and township.

About 100,000, everyone's family situation is different, depending on what the family does.

The savings of every rural family are different, some conditions are relatively tight, and they may not be able to take out tens of thousands of yuan, and some of the conditions are relatively good, and they may be able to take out a few million, after all, everyone in the countryside does not do it the same, and if you simply rely on farming, the conditions are not much better.

The average household is between six and seven figures.

There is a high probability that you will not be able to solve this problem, different regions have different levels of economic development, different families in the same region have different levels of wealth, and families with deposits of one or two thousand and millions of dollars in savings have, how much do you say generally?

How much savings do rural households have? Now there are old men and old ladies left in the countryside, and the young people have come out to work, and the old men and old ladies are all eaten and used every year, and it is good to spend enough.

This problem cannot be one-sided, because each family's ability to work and spend is different, so the income of each family is also different.

This is difficult to estimate, because the situation of each family is different, and some rural families have more income and some have less income.

In the case of the Spring Festival, especially in the countryside, it is often seen that every household is noisy with gongs and drums, and large and small cars are parked at the gate. Then some people are curious about how much savings there is in rural households nowadays？If you walk on the street and ask a random person, how much savings are generally in a rural family now, it is very likely that he will casually say that there are millions or even some people will say that there is no million deposits in this era, how to play life?

In that case, if we want to know how much savings a rural family has, it is normal, and we must first understand what are the key aspects of the daily expenses of the rural family, which is not as good as the big city, and the level of social development of the population is much higher than that in the city. The upper and lower neighbors are relatively close, and sometimes even what your family eats in the village can be clear to other people's families. For rural families, although vegetables and fruits can be grown in the fields, the daily expenses of food, clothing, housing and transportation may be some.

Some people even feel that they have to spend money to buy vegetables in the countryside, and the vegetables and fruits will have food crops in their own vegetable gardens, and they will grow them in their own fields, and even many fresh fruits, while others have planted some of them themselves, and they have to eat meat and slaughter chickens. In the countryside, you don't have to pay money at all, you have to eat all the food you have, you can do it yourself, and you don't have to pay for it at all.

In fact, people who have lived in rural areas know that in fact, in rural areas, they do not pay a lot of money at the level of food, clothing, housing and transportation. Now the cost of farming in rural areas is getting higher and higher, the price of grain crops has dropped sharply, the prices of chemical fertilizers, organic fertilizers, and diesel engines for machinery and equipment are gradually soaring, but the prices of vegetables, fruits and grain crops are upright and unchanged. One acre of land, remove all the chemical fertilizers, organic fertilizers, mechanical automation, it is not easy to earn 2,000 yuan, and this is also a huge capital investment.