source: WeChat public number "financial weekly"
Author: tert
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I am a violin teacher,asics shoesoutlet, living in Shanghai, teaching children to play the violin for a living. Every month, I get a 20 thousand yuan balance after I get rid of the normal expenses. At present, I have accumulated about 380 thousand yuan of funds. I hope to buy a house in Shanghai, but I can not afford to buy it in accordance with the current housing price. How can I manage my finances so that I can save enough money to buy a house as soon as possible.
Reader: Mr.
Hello Mr.
Ping:   
said that such conditions are essential for buying a house in Shanghai. First of all, it is the qualification of buying a house. If you do not have Shanghai residence registration, you need to pay social insurance in Shanghai for 5 years, and you can buy a set of Shanghai housing after marriage. Your main income comes from the class fees paid by parents, mostly for cash income. If you do not pay social security for yourself, you will not be able to get the purchase qualifications.
second, it's the first payment. If you get the qualification for the purchase, the first payment may be the biggest obstacle to your purchase.
in accordance with the current housing prices in Shanghai, it is necessary to purchase houses in a relatively central area, with a total price of at least 5 million yuan. Although the houses in the suburbs will be cheaper, the main source for you is the urban area. Buying the suburbs will definitely affect your income.
according to 5 million yuan calculation, in order to obtain loans smoothly, the down payment ratio can not be too low, at least 40% payments should be prepared,nike shoes outlet cheap, that is, 2 million yuan. Taking into account the need to pay taxes and fees in the purchase process, after the purchase of decoration, you have to prepare 500 thousand ~100 million.
at present, you only have 380 thousand yuan of funds, which is 2 million 120 thousand yuan from the minimum threshold of the purchase. According to the monthly balance of 20 thousand yuan, we still need to wait for 106 months, close to 9 years. If you want to save enough money as soon as possible, there are only three ways to go, one depends on foreign aid, such as the support of parents; the two is to increase the amount of surplus, as you teach the time to increase, the number of your students will increase,Designer Bekleidung, the income and balance will be improved accordingly; three is to do some investment, such as buying bank financial products, radical is also possible. In order to consider the stock or partial share fund.
annual growth rate of 8%, the annual rate of return on investment 5%, 6 years later, you can accumulate about 2 million 530 thousand yuan of housing. If you want to be faster, the risk will be high, such as investing in stock funds, expecting more than 10% of the income, and you can achieve the goal 1 years ahead of the other conditions.
finally is the ability to repay. If the loan amount is 3 million yuan, the loan interest rate is 4.9% of the benchmark interest rate, the term is 30 years, and the monthly repayment amount is 15921 yuan. After 5~6, your monthly balance will increase to nearly 30 thousand yuan, which will not exceed half of your monthly income.