With a deposit of five or six hundred thousand, is it considered a rich person?

Even if you are a rich person, although five or six hundred thousand yuan does not seem to be a lot, and you can't buy a house in a big city, but in terms of the current level of domestic economic income, there are not many people who can get five or six hundred thousand, so although people with five or six hundred thousand deposits are not rich, they are definitely rich.

1 .Purchasing power

Many people always feel that five or six hundred thousand does not have much purchasing power. Because they compare purchasing power to house prices alone. Because for comparing housing prices, especially those in first-tier cities, five or six hundred thousand yuan is really a drop in the bucket.

For those who save a little, 2,000 yuan a month is enough to live a life. Five or six hundred thousand can be enough for one person to spend twenty or thirty years. If it is a retired old man, even if there is no pension.

With so much savings, you can also live in peace. So, purchasing power can't just look at house prices. The purchasing power of five or six hundred thousand is still quite large.

2 .How many people can have so much money?

The bank where I work has a total deposit of about 300 million, but there are more than 3,000 customers who have deposited money. On average, each customer who saves money is less than 100,000 yuan. Among them, less than 50 have deposits of more than 1 million.

There are only more than 200 deposits of more than 500,000. This ratio is only more than 6 points.

Most of the customers who deposit money have a deposit between 5-150,000 yuan. And in our country, at least half of the people have no deposits. Therefore, in our country, the proportion of people who can have more than 50 or 60 deposits will not exceed 3 at most.

If you can have 500,000, you will already be among the top 3 people in the country.

3 .How difficult is it for the average person to want to have five or six hundred thousand?

Five or six hundred thousand, it really doesn't seem like much. But ordinary people rely on a monthly salary of three or five thousand, and they have no hope of saving in this life. For example, with a monthly salary of 3,000 yuan, this low salary, if you exclude food, clothing, housing and transportation, and the cost of children's education, you may not even be able to save 500 yuan a month.

Even if you can save 500 a month, it will only be 6,000 yuan a year. In ten years, it is only 60,000. If you want to save enough 500,000, it will take 84 years.

If you can save 1,000 yuan a month, you can save 10,000 yuan a year. If you want to save enough for 500,000, it will take more than 40 years. A person's life is almost 30-35 years.

If you want to save enough 500,000 yuan in this time, you must save at least about 10,000 yuan that year.

On average, every month, it is necessary to save 1,250 yuan. While we make money, we also keep spending money. Food, clothing, housing and transportation, raising children, supporting the elderly, illness and accidents, etc. If you can save 1,250 yuan a month, your salary income must be at least 8,000 yuan.

In reality, even if you can reach a monthly salary of 8,000, many people can't save money. Like myself, with a monthly salary of more than 10,000 yuan. I have to pay off the mortgage and support a family of three. Although the salary income is not low, it is spent every month.

It's all clean. If I want to be able to save 1,250 yuan stably every month, then my salary income must be at least 10,000 yuan. If you want to save 500,000, it really takes many years, so people who have 500,000 or 600,000 are definitely rich people, at least in daily life, there is no shortage of people to spend.

Not counting the rich, the savings of five or six hundred thousand yuan do not have a few dollars, and they can't even buy a house, and now people must save more than a few million yuan to be considered rich.

In today's society, there are 500,000 deposits, not considered rich, after all, prices are rising now, housing prices and car prices are more than 500,000, and it costs hundreds of thousands of yuan to buy a car at will, and 500,000 yuan is not enough to buy a down payment for a house in Beijing, Shanghai and Guangzhou, but 500,000 is also a working capital, and to a certain extent, it is also considered financial freedom, at least it will not affect normal expenses.

If you have a house and a car, and a deposit of 500,000 yuan, you can be regarded as a rich person, if you don't have a car or a house, 500,000 yuan to buy a house in a first-tier city is not even enough for a down payment.

Not counting, an ordinary house is more than five or six hundred thousand, and this deposit is not considered a rich person.

If you have a car, a house, no debt, and 560,000 yuan in savings and a stable income, such conditions are okay. But the rich can't talk about it yet.

There should not be many people with deposits of more than 500,000, and now many people can't save money.

In this era, there should be many people who have savings of more than 500,000 yuan, and most of them should be people with high working income and long-term stability.

There are only people in the country, these are some entrepreneurs, celebrities, demolition households, and business executives.

There should be hundreds of millions of people. These people are middle-aged, generally have successful careers and have stable jobs.

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!

Count the middle class. If this is not a property, but a single deposit. Then, without considering other potential factors, this cash flow can more or less allow you to reach the middle class level.

In other words, it is not too rich, but it can be considered rich. After all, there are not many people with so much cash at this stage, and it seems that there are very few people in the country.

Where did the money go?

First of all, getting married and buying a house, in our country to get married and buy a house is the biggest expense, for the newlywed couple, after getting married, buying a house, buying a car, and so on, some changes to the list of operations, basically gone.

The second is to make money to support the family, if it is for a family with children, the education of children before the age of 18 will occupy a large part of the nuclear macro points, followed by the sum of the car loan or housing loan at home, plus the cumbersome expenses in the family.

Finally, advanced consumption is the biggest stumbling block on the road to deposits.