Dad fully supports it. What is the annual income of the family? How much do you need to earn?
First of all, if you can get your parents' support, you can please your parents by driving the latest Mercedes-Benz BMW, as long as you hand over the 5000 Yuan You you have accumulated for many years.
But how many such families are there?
Let's read a report first. China Guangfa Bank and Southwestern University of Finance and Economics jointly published the 76-page "20 18 China Urban Family Wealth Health Report".
Among them, there are several interesting data to show you first:
1. The average total assets of urban households in China are 16 1.7 million yuan, and the average investable assets are 557,000 yuan.
2. The average total assets of the former 1.5 rich families in China were 4.545 million yuan.
3. Real estate accounts for 77.7% of the total household asset allocation. The allocation ratio of financial assets is only 1 1.8%.
4. In the allocation of family total assets, stocks account for less than 1%.
1 1.8% of the financial asset allocation, 46% is deposits. In other words, deposits only account for 5.42% of the total assets of urban households in China.
According to this ratio, if your parents want to buy you a BMW Mercedes-Benz entry model, it will cost about 20w. Divided by 5.42% in turn, it is 3.7 million. In other words, your total assets must reach 3.7 million.
What is the concept of family net worth above 3 million?
The net worth of the family is around 3 million, and it is already a new middle-class family. The proportion of households with net assets of more than 3 million in China is about 3.4%, which means that 96.6% of households have net assets of less than 3 million.
The characteristics of new middle-class families are: first-tier cities have at least one property, and the annual family income is about 300 thousand; The first-line annual income must also be above 200,000. So your parents will buy you a Mercedes-Benz BMW in full, and your annual income will be at least 200,000.
When you come back to buy a car, you can still afford to buy a car. So how much monthly income can you afford to buy a car?
The average monthly maintenance cost of BMW is 2500 yuan-1500 yuan, and the average monthly maintenance plus insurance and parking fee is 1000 yuan. If you don't pay the rent and mortgage, then your salary is at least 6k, minus five insurances and one gold, eating, drinking and having fun without any balance.
How much do you have to earn every month to make money to buy a Mercedes-Benz BMW?
According to BMW's official 1 standard loan scheme, the down payment is 30%, 6478 1 yuan, and 4868 yuan per month for three years. Plus daily consumption and car maintenance expenses, the monthly income is at least 1 1754 yuan and the annual income is140,000 yuan.
It costs so much money to keep a car, so I'm still nervous. If you still need daily consumption, save10.5 million, daily necessities10.0 million and mortgage 5,000 yuan every month, then your annual income must be 230,000, and your monthly income after tax is10.9 million, but even so, you are already poor.
But don't forget, we just bought an entry-level model. If we want to buy a real luxury car, it is easy to drive a BMW 530Li or Mercedes-Benz E300L with an annual income of 370,000.
On the other hand, an annual income of 370,000 yuan is already a new middle class, and these people may only account for less than 10% in China.
He Bao Xiao, although I am in a rich area in Jiangsu, Zhejiang and Shanghai, and there are many BMWs, Mercedes-Benz and Porsche on the main road, I feel very excited to buy a Mercedes-Benz BMW, but as soon as I open the bank card balance, this self-indulgent excitement will be extinguished immediately!
What about you? Do you think BBA is a step closer to you?
Million car purchase subsidy