Domestic situation:
Pieces official is small, have a job 5 years, year income 80 thousand yuan, have live oneself single boarding house one. Have 50 thousand yuan of accumulation fund and 130 thousand yuan bank deposit, have nearly 100 thousand yuan of stocks and fund additionally, deepness is covered prison.
Pieces of small male friend is in state-owend enterprise, year income is in 100 thousand yuan, have 200 thousand yuan of stockpiles. Two people the end of the year marries, a when take a fancy to the urban district now 1.4 million yuan secondhand room, decide 500 thousand pay, the pattern that sets loan with accumulation fund, commerce next is mortgaged jointly.
Proposal of conduct financial transactions:
1, mortgage still borrow. Deal with specified amount of reimbursement of month of loan of 20 years of combination to be 6757.25 yuan, 30 years specified amount of reimbursement of assorted loan month is 5642.22 yuan. The phase is current to two people income circumstance, 10 years the room shifts tomorrow pressure is great, the proposal chooses 30 years period reimbursement deadline; In the meantime, recommend remaining sum of accumulation fund of housing of annual and regular draw money with remanding the room shifts expenditure, rent existing and single boarding house, raise financial freedom to spend.
2, assure fund liquidity. Miss Wang saving should be configured with the product with short-term, strong liquidity give priority to. Pay close attention to the asset in stock fund, hold the dot when rebounding to stop caustic, lest be employed temporarily,be forced to sell when capital piece. Remaining sum of account of existing accumulation fund is in two people after buying a house can in time draw money. Do not suggest to have venture capital investment, with dovish give priority to.
3, against a rainy day. The case gift after marriage can make a few long-term plans. But those who consider dot bring up, the room borrows defray to wait to rise quickly, urgent a shot in the locker should plan the family comfortably.
