How much debt does it normal for an average family to have in a year in a first tier city?

The debt of the average family in the first-tier city is mainly the most housing loan and car loan, and other expenses are not counted. The debt ratio of new residents who buy real estate will be higher, while old residents in first-tier cities rarely have debt because they have their own previous properties and do not need to buy new houses. If a first-line family takes out a loan to buy a house, it is necessary to judge the debt ratio for a year according to the local housing price situation, and the debt is mainly to repay the mortgage for one year.

The higher the real estate, the higher the annual mortgage repayment. If the loan is 2.1 million yuan, if the equal principal and interest are repaid in 25 years, then your monthly payment is about 20,000 yuan per month, and the specific words are subject to the loan contract. The first-tier cities represented by Beijing require the annual household income range of the post-90s generation to be between 10,000 yuan, and the key second-tier cities represented by Hangzhou and Chengdu have an annual household income range of 10,000 yuan....In the face of such a big gap, the road to home ownership for the post-90s generation in the imperial capital is difficult!

We are obviously working hard and excellent, but the monthly salary still can't catch up with the housing price, and the most heart-wrenching sentence I heard is: The housing price will wait for me for another two years, so that I can save money again. For young people, freedom seems to have been tied to a house early on, bound by a house, not daring to do what they want to do, not daring to talk about their ideals, cautious, walking on thin ice.

Well, if your debt is justified and has a positive impact on the future of family life, rather than eating, drinking, and spending in a timely manner in the short term. Then this person in charge will not have any impact.

Asset-liability ratio (total liabilities Total assets) * 100% For example: your house and car, together with a market value of 2 million, you repay the loan of 1.2 million, and your family's debt ratio will be answered.

It's 60%. Experts suggest that a family's reasonable debt ratio varies from %. 50% is a cordon.

It is more reasonable for a household to be indebted at 30 to 50 percent of the 100 lead deficits.

The asset-liability ratio is equal to the total amount of liabilities divided by the total assets, and the asset-liability ratio of more than 50% will cause great financial pressure on the family, and even the entire family life will be dragged down by the debt. The asset-liability ratio is 40/100 of the 100 Huai Yu, and the repayment ability of the whole family is stable and will not affect the quality of life of the family. The asset-liability ratio is 30%, and the whole family has a strong ability to repay the loan, which not only does not affect the quality of life of the family, but also has an additional surplus.

Family age structure, member structure, asset structure, income channels, and asset stability are all factors that affect the debt ratio. For ordinary working families, having the ability to repay loans will not greatly affect the quality of life of the family, and an appropriate debt ratio can achieve the expected life goals in advance.

Summary. Hello, glad to answer for you! Household debt-to-income ratio::

China's household debt-to-income ratio has grown rapidly, from 2013 to 2018, debt-to-income ratio = annual debt annual after-tax income, this indicator reflects the strength of spending capacity, the critical value is 40%, reaching this value indicates that short-term debt repayment ability can be guaranteed.

Household debt-to-income ratio::

Hello, glad to answer for you! Household debt-to-income ratio: China's household debt-to-income ratio has grown rapidly, rising from 2013 to 2018, debt-to-income ratio = annual debt, annual after-tax income, this indicator reflects the strength of spending capacity, the critical value is 40%, and reaching this value indicates that short-term debt repayment ability can be guaranteed.

Debt-to-income ratio: This is the amount of debt your household spends divided by your income for the month. It's simple, managing money is not a difficult task, as long as you can do arithmetic.

Non-one-time repayment of debts refers to debts that are not paid off to the bank (or creditors) in a large amount at one time, but are repaid on a monthly basis, which is often referred to as a mortgage. You may want to calculate how much you have in debt or bank mortgage, and how much you need to spend from your income each month to pay off various types of debts. Divide this number by your total after-tax income to get the debt-to-income ratio.

Why does it have to be after-tax? Because the after-tax model is more accurate. The threshold for debt-to-income ratio is 40%, and if it is 40% or less, congratulations, your family finances are safe and healthy.