1, if you choose to buy a house.
Buy a house with a total price of 2 million yuan, with a down payment of 30% of about 600,000 yuan and a mortgage loan of10.4 million yuan per year. The monthly repayment is about/kloc-0.5 million yuan, and the loan interest is about 5%, so you can deposit the provident fund. If the unit provides housing subsidies, it can also offer a discount of about 200 thousand. 10 years later, the house price rose from 20,000 to 30,000 per square meter. Buy a house to live in, or keep it for your son until the house price rises. In the meantime, you can buy another house with improved demand with mortgage loan, and you can sell the first house at the same time. The price of 2 million to buy a house is 3 million, and the expected gross profit is 1 10,000. 1 10,000 gross profit can be used to pay for my son's college education or study abroad, and can also be used to invest in other things.
2. If you choose to start a business,
The interest on house purchase loan is around 5%, which is lower than last year's 6%. After two years, foreign sales can be exempted from business tax. Starting a company requires monthly payment, such as corporate income tax and personal income tax. After the reform of the camp, the tax will be adjusted and reduced.
3. Give some examples of 2 million yuan entrepreneurial projects:
(1) Racing Club. Most people who love cars and racing cars are men. If you don't believe me, just look at the ratio of men to women at the auto show, except for beautiful models. Legend has it that people's bodies will die if they don't move their hearts, so they are always desperate to speed up. Racing club can make men feel the real excitement of driving, challenge the speed and limit at any time, and at the same time have a kind of safety guarantee to enjoy all kinds of fashions in 2 1 century.
(2) Science and Technology Bookstore. With the improvement of people's living standards and the deepening of spiritual civilization construction in rural areas, many people began to pursue good spiritual food books as the best medium for farmers to absorb spiritual food. Moreover, with the development of promoting agriculture through science and technology, the market of scientific and technological books in rural areas has increased dramatically. It is suitable to open a shop in the county. At the same time, a large number of young farmers are eager to improve their cultural quality and knowledge level, and they have consulted various skills tests, which has created the examination book market in the county. Therefore, opening a bookstore in a county with a large population or convenient transportation is like building a "golden house" in the book market.
(3) children's photography shop. According to estimates, renting a 50- 100 square meter storefront in downtown area will cost1-20,000 yuan per square meter for 200 yuan, 20,000 yuan for children's photography clothes and 1000 yuan for decoration. The equipment shall be traditional cameras and digital cameras, with the traditional cameras calculated at 30,000 yuan and the digital cameras calculated at 10000 yuan. Suitable for stores opened in the county, in order to reduce investment, you can also separate the studio from the store.
(4) Personality Magic Theme Pavilion. As an art form with strong interaction and outstanding performance characteristics, magic can not only satisfy people's curiosity, but also play a magical role in some occasions. For example, when socializing, a little magic will bring you closer to the people around you. The owner of a magic-themed shop has made a statistic that 90% of customers passing by his shop will stop to watch, and 20%-30% of them will become consumers in the store.