Debt income is 200,000 (before tax) than annual salary. The debt life of the family.

Xiao Jing lives in Beijing and works as a financial officer in a foreign-funded enterprise. Her monthly income (after tax) is 7000 yuan. Xiao Jing's husband is an engineer in an IT company, and his monthly income (after tax) is 9000 yuan. Their family is an enviable white-collar worker in a foreign-funded enterprise, and their annual pre-tax income exceeds 200,000. In 2005, they bought a house of 800,000 yuan on the edge of the Third Ring Road, and the down payment was 20% of the house price. In order to reduce the total repayment amount, they chose the repayment method of average principal, which will be paid off in 30 years, with a monthly repayment of about 5,400 yuan. At that time, house prices soared, and their first house appreciated rapidly, which made them see the hope of getting rich in real estate. So they borrowed some money from their parents and invested 700,000 yuan in a townhouse in the suburbs with the expectation of appreciation of nature and real estate. The beautiful petty bourgeoisie life makes this family bear a debt of 3600 yuan every month. When Xiao Jing was pregnant, for the convenience of transportation, she bought a Volkswagen POLO with a bullet loan, with a down payment of 20% and a loan of 5 years, and 2000 yuan per month was another burden. In this way, the monthly fixed debt of this family is: 5400+3600+2000 =11000, and the debt-to-income ratio =1000/16000 = 68.75%. As we said before, this indicator. Obviously, Xiao Jing's debt ratio is too high. Since shouldering these loans, Xiao Jing is worried about unemployment every day, afraid of unemployment, unwilling to spend money, often going back to her parents' home for dinner, and her leisure life is reduced. When she has the opportunity to make money, her eyes will shine ... A survey shows that at present, 70% of the "house slaves" have left "sequelae" because of buying a house, and nearly 30% of the "house slaves" have become "neets" whose basic living expenses are repaid by their parents. Xiao Jing often said: "since these debts, the quality of life has dropped by more than one grade!" I can now know what life' house slave' is. " She used to come to every party, but now she has disappeared from the party and learned to live a cautious life. In fact, the real reason for the decline of Xiaojing's living standard is not the loan itself, but the excessive debt-to-income ratio beyond the security alert. Debt within a reasonable range is a good way to increase investment capital, and the debt-to-income ratio of more than 40% will become a nightmare in life. The suggestion for Xiao Jing's family is: (1) Put suburban townhouses on the market as soon as possible. Generally, the sale period of villas will be longer, and when the real estate market is still hot, it may be cashed out within six months. (2) Pay back the car loan in advance with the money from selling the villa, because the car is a consumable. While she pays 8% interest on the car loan every year, her car is depreciating at the rate of 15% every year. (3) If the remaining money is diversified according to the method I introduced in the subsequent article, the annual income can be 5% ~ 10%, which can offset the loan interest rate of 7% for the first suite (it may continue to rise). After reading our suggestion, Xiao Jing agreed. She thinks that she is not a person who speculates for profit, and nothing makes her more gratified than the healthy and stable family finances. "Doing so may be giving up the opportunity for the villa to appreciate in the future, but I understand that the opportunity to make money should also have capital conditions that can be met. Our current income is not strong enough to make such investments, so it will have unbearable consequences. " Xiao Jing adjusted the financial situation of the whole family. Not long ago, I contacted Xiao Jing, and she told me happily: "According to the advice given by experts, the villa was successfully mortgaged for 780,000 yuan. After deducting the handling fee, there is basically no loss, and there is a slight surplus. The car loan and parents' money are also paid back. Now there is only a mortgage of about 5400 yuan per month, and there is still money left to invest in the fund. Just recently, the fund market has been bullish and made a lot of money! "Xiao Jing said happily to me," I'm not as anxious as before, and I spend more time with my son. "We also found a holiday farmhouse in the suburbs, which is very convenient. When we want to enjoy nature, we will bring our children, and the cost is very cheap, and there is no pressure at all. " Listening to the quiet and cheerful voice on the other end of the phone, I know that another family is enjoying financial health and happiness.