What kind of family is the big family now? The conditions of most families in today's society can only be described as ordinary and ordinary, and there are many people in very poor families. Being born in a family has a great influence on people. People from different families are very different in all aspects of life. Let's see what kind of family is a big family now.
What kind of family is the big family now? 1 The first family that can buy a house in full. The data shows that more than 95% of domestic families need loans to buy houses, and the scale of personal loans has reached 38 trillion, 200 million people are house slaves, and 400 million people are repaying loans in * * *. In addition, China real estate accounts for 77% of total household assets, and 23% is other financial assets. Therefore, if you own a house without a loan, such a family is considered as a wealthy family. After all, the monthly income can be used by your family, and there is no pressure to repay the loan.
Second, families with deposits of more than 500,000. Why should the deposit of 500,000 yuan be the standard? First of all, China's resident deposits have exceeded 100 trillion yuan, and the per capita income is 70,000 yuan. If it is a family of three, each family basically has 2 1000 yuan, which is at least 2 -3 times the national average if it is to reach the standard of affluence. So I took a 500 thousand as the standard.
Furthermore, according to the data released by the central bank on 20 15, the proportion of depositors with more than 500,000 deposits in China is only 0.37%, and even now it is only 0.5% at most. According to this standard, a family with a deposit of more than 500,000 yuan is now a wealthy family.
Third, the monthly household income should exceed 1.5 million. Usually, a family of three, with two people working, is considered as a wealthy family as long as their total income exceeds 654.38+0.5 million. The data shows that the monthly income of most residents in China is between 3-7,000 yuan, while only 3% of them earn more than 7,000 yuan. The combined income of husband and wife can reach 1.5 million, even if they live in first-tier cities in China, they are considered wealthy families.
Fourth, there are investments worth more than 500,000 yuan. Some families don't want to keep their money in the bank, and feel that bank deposits can't preserve and increase their value, so they invest in high-yield investment products such as stocks, funds, bonds and bank wealth management products. Therefore, families with assets worth more than 500,000 should also be included. If you are worth more than 500,000 yuan in stocks, funds, bonds and other investment products, you can also be regarded as a wealthy family.
Now, with the continuous improvement of people's income level, a wealthy family may be judged by different standards. Insiders listed four criteria, namely: buying a house in full, family savings of more than 500,000 yuan, family monthly income of more than10.5 million yuan, and family investment value of more than 500,000 yuan. In fact, the above four standards are not very high. As long as you meet one of them, you are a rich family.
What kind of family is the big family now? Have a complete house and a stable income in the city where I work.
As we all know, a house is a necessity in people's life. At present, the price of a house is often as high as several million yuan. It is difficult for most people to buy a house. At present, in cities, many people choose to rent houses at first. After people buy a house, because most people buy a house with a down payment, they have to bear the mortgage for twenty or thirty years. In the future, the mortgage will be repaid every month, and the mortgage pressure is even greater than the rent pressure.
For example, a 6.5438+0.5 million house requires not only a down payment of 450,000 yuan, but also a mortgage of more than 6,000 yuan per year for 30 years. It's stressful. It can be seen that whether renting a house or buying a house, the pressure of life is very great, so if you have a complete house in the city where you work, there will be no mortgage pressure and rent pressure. Without the pressure of mortgage and rent, people's economic pressure will be greatly reduced. If there is a stable income, these families will belong to wealthy families.
The deposit is 200,000-300,000, and the net value of the property is more than 500,000.
Some real estate experts said that no country's real estate can continue to prosper for more than 50 years. As the name implies, China real estate has developed rapidly for more than 20 years. It's time to enter a turning point. Therefore, in recent years, many real estate-based enterprises have begun to transform. For example, it is wise for Wanda to switch from real estate to cultural tourism.
In addition, at many internal meetings of Wanda, Wang Jianlin also proposed to completely abandon the real estate industry in the future. As experts say, real estate has lost its former glory in recent years, so many families will not put all their eggs in one basket when allocating assets. It is common to deposit some cash in the bank and buy a house. According to this calculation, if the deposit is 200,000-300,000, then the net value of the property is 500,000, which is also a good level.
The accumulated monthly income of the family exceeds 6.5438+0.5 million.
People's income is the main source of savings. If two people in a family have jobs, if their monthly income exceeds 15000 yuan, it means that they are relatively rich. If the monthly income is 15000 yuan, then the per capita income is 7500 yuan. This salary is what many people want. According to relevant data, only 3% of the employed people in China have a monthly salary of 7,500 yuan, which is relatively small.
Have a large number of investment assets at hand
It is one-sided to measure one's wealth only by the level of savings. Only those who have a lot of investable assets are truly rich. According to the data released by China Merchants Bank at the end of 2020, the total scale of investable assets held by individuals in China has reached 24 1 trillion, of which the number of people with net assets exceeding 10 million is about 2.62 million.
Generally speaking, people with a large number of investable assets need not worry too much about housing, and their income is very stable and at a high level. Because these people have a large number of investable assets, their actual economic strength should not be underestimated. Belong to real rich people.
Generally speaking, with the development of society, there are more and more rich people in society. How to become rich and live a rich life must meet at least one of the above four conditions. However, these conditions are only to some extent. After all, everyone has different standards for measuring the rich, and it is impossible to have a unified standard to represent everyone's point of view.
But most people are ordinary people. They live an ordinary life with limited salary. If they want to make their lives better and better, they should develop good consumption habits, reduce unnecessary expenses in their lives and try to save as much as possible. In the long run, they will also have a considerable deposit in their hands.
What kind of family is the big family now? Three rich people, four standards.
1 Standard has a property in its own name.
For many people in China, having a house of their own is a great thing, especially for people living in towns. It is really a happy thing to have a house of your own in the town. Of course, not all residents who own houses have real estate.
Some residents live in their own houses, but they don't have real estate licenses. If they don't have a real estate license, it won't affect their residence, but if they want to sell a house, the price will be discounted.
The second standard, no debt.
For many people, if there is no debt, it is a very easy thing. Now many young people need loans to buy a house. People who borrow money are also in debt. Then you can't be a real rich man, because how can a real rich man be in debt?
However, the vast majority of people in China society are ordinary people. They don't have strong background and strength, so they can only rely on loans. In the process of repaying the loan, their house price has also risen now, so some people will consider selling the house.
The third criterion is that the available active deposits reach10 million or more.
I'm afraid this standard is also a real rich man. The truly rich have no debts. For entrepreneurs, sometimes they have a lot of savings. Of course, they have borrowed a lot of money. If they make up for it with borrowed money, they are not rich. Because what they need to pay back is money, not their own savings.
The fourth criterion is wealth freedom.
People who have achieved wealth and freedom are very chic. Even if you can, you can support yourself without going to work. Because they have enough financial resources, they put their personal property in the bank and earn interest every year to support themselves and their families. For such people, they have truly realized the freedom of wealth and are not bound by others.
Nor is it bound by this society. But such people are a minority after all, and most of them need to work. People who realize wealth and freedom often don't need to work. Of course, they can invest with their own money, but investment is risky and needs to be cautious.