In 2000, there were 1 10,000 people who talked more and said less, because there were 1 10,000 people at that time, which was not as rare as the 10,000-yuan households in the 1980s. Since the reform and opening up, more and more people have gone to sea. Many of these people get rich first by seizing the opportunity, so many people can come up with 6,543,800 yuan in 2000. However, compared with the average salary of several hundred yuan per month at that time, 654.38+0 million was also an unattainable dream of many working-class people. Then, if there was 1 10,000 yuan at that time, how much was it worth to buy a house and deposit it in the bank? Which is more cost-effective?

1 10,000 house

Whether it will appreciate after buying a house depends on the region and location. Let's take the house price in Shenzhen in 2000 as an example. In 2000, the average house price in Shenzhen was around 5200 yuan. If this 6,543.8+0,000 yuan is used to buy a house in full, we can buy a house of 654.38+0.92 square meters. If you use 1 10,000 yuan as the down payment, you can buy a house with 64 1 flat, but you still need to borrow 2.33 million yuan from the bank.

2.33 million mortgage with a loan term of 20 years. Because the benchmark interest rate of the central bank has been changing in the past 20 years, we will take the average of about 6% to calculate, so the total interest of the 2.33 million mortgage for 20 years will be returned to 6.5438+0.67 million, and the principal and interest will be returned to 4 million.

By the end of June 2020, the average house price in Shenzhen is about 64,000 square meters, so this 64 1 flat house is worth 410.024 million yuan. If we sell this 64 1 flat house and cash in 410.02 million, we can still earn 377 million yuan after deducting the principal and interest of our 20-year mortgage. And this 36.02 million went to other cities or rural areas casually, spent 6.02 million to buy a villa or build a villa, and the remaining 30 million was deposited in the bank deposit certificate. According to the three-year deposit certificate interest rate of 46.5438+08%, the annual interest income is as high as 1.25 million, which can completely make you worry-free for the rest of your life.

100000 deposit bank

1 10,000 deposit banks have various financial management methods. We take the most common five-year time deposit as an example. In 2000, the interest rate of five-year fixed deposits was 2.88%, and the total principal and interest of 1 10,000 deposits for five years was 1 10,000 * 2.88% * 5+ 1 10,000 = 65,438+. After the maturity of 2005, we will deposit a five-year time deposit. The interest rate of the five-year time deposit in 2005 is 3.6%, so the total principal and interest are multiplied by 201144000 * 3.6% * 5+144000 =/kloc.

20 10 has a five-year fixed deposit interest rate of 4.2%, so the total due principal and interest of 20 15 is1350,000 * 4.2% * 5+1350,000 =16.33 million. Save it for five years after maturity. The interest rate of 20 15 five-year time deposit is 3.75%. By 2020, the principal and interest of this deposit will be1940,000.

That is to say, this 1.94 million yuan has been deposited in the bank for 20 years, and the total principal and interest is only 1.94 million yuan, of which the interest is only 940,000 yuan, which seems to have almost doubled, but it is actually quite uneconomical. Think about what was the concept of 1000 yuan in 2000, and what is the concept of 1940 yuan now? There is no comparison at all. Although the amount has increased, the actual purchasing power has decreased.

To sum up, in 2000, the same money and different investment methods were chosen, and the results obtained 20 years later were very different. Of course, let's analyze some quarterbacks on Monday morning. If we really had 1 10,000 at that time, most people would still choose to deposit in the bank. After all, this is the traditional concept of China people.