Civil servants/institutions/scientific research institutions-monthly salary 12238, 15000 also exceeds the income of civil servants, and civil servants belong to middle and high income groups, which further proves that they are middle and high income.
65438+2008 1 month, a data shows that the median house price in Shenzhen is 50900 yuan/square meter. April 20 18, the average transaction price of new commercial housing in Shenzhen property market was 44,690 yuan/square meter, which has been decreasing for 19 months.
According to the average price of 44,690 yuan, the total price of a house with 100 square meter is around 450 yuan, and the down payment of 30% is 1.35 million yuan. According to the annual income of 6.5438+0.8 million, it takes a little more than 7 years to pay the down payment without eating or drinking.
1.5 million yuan belongs to the middle and high income group, and there are many social activities at ordinary times, so the expenses will not be low. It is impossible not to eat or drink for a month. It is estimated that it is good to have 7,000 yuan left in a month, about 80,000 yuan in a year, and the down payment will take about 16 years.
The loan is more than 3 million yuan and will be paid off in 30 years. The monthly payment is about 20,000 yuan, and the monthly payment is 15000 yuan, so it is not qualified to buy a house with a loan at all. After all, a loan of 20,000 yuan needs a bank flow of 480,000 yuan, that is, an annual income of 480,000 yuan.
In fact, it is also very hard for middle and high income to face high housing prices.
The house price in Shenzhen has never been low, so the unit price is basically between 30,000 and 50,000, and the salary10.5 million means that excluding daily expenses, the annual deposit can reach 6,543,800+0.2 million. Based on the house price, the total price of 50 square meters is 654.38+0.5 million, and the down payment is calculated at 30%. A down payment of 450,000 yuan can last four to five years, and then a loan of 6,543.8+0,000 yuan, with a monthly payment of about 7,000 yuan.
Other cities depend on the number of cities, which is hard to say. If the third and fourth lines can be paid in full within three to four years, then the basic housing prices in first-and second-tier cities will not be much different, depending on the demand for self-occupation.
Generally speaking: choose according to your needs. House prices are low and high. If the pressure is too great, you can choose a small apartment with a single room, and the pressure will be less.