The reader sends a letter

Division of conduct financial transactions:

Hello! I and gentleman work in ceramics works, my monthly pay 3000 yuan, marital monthly pay 5000 yuan, second half of the year of a daughter enters 6 grade to read. Expenses of living of a month makes an appointment with the family 2500 yuan, tuition of a year makes an appointment with the daughter 2000 yuan, learn a foreign language to make an appointment with 1600 yuan, learn dancing to make an appointment with 1300 yuan, the elementary school on now 5 grade, annual the Spring Festival comes home restrict expenditure 8000 yuan, at ordinary times amuse oneself accumulative total restricts expenditure 2000 yuan, we have deposit 300 thousand yuan, what plan to buy an area to be controlled in 90~100 square metre this year originally is small 3 houses unit, price control is in 700 thousand yuan of less than, we already got used to the life here, do not plan to return old home, now if do not buy a house, the daughter reads the meeting is more troublesome, must attend the university entrance exam to seat of registered permanent residence, but if buy a house, worry again in case working occurrence issue, will bear feebly the pressure that offers a room, excuse me division of conduct financial transactions, should I buy a house now?

Ms. He

Finance affairs is diagnosed

Family of Ms. 1. Ms. He has certain money to accumulate, but capital structure is onefold, the majority is bank deposit, overall yield is low, consider inflation is led, asset shrink circumstance may relatively serious.

The clean deposit scale with annual family of Ms. 2. Ms. He is relative taller, achieve 58% .

But if decide to buy a house, on the base that maintains existing income level, mortgage reimbursement defray to also will take up the clean deposit of the majority, can offer controlled capital net specified amount every year to will decrease considerably.

Proposal of conduct financial transactions

1. looks from the purpose buying a house of Ms. He, basically be to solve a daughter to read problem. But the daughter of Ms. He reads elementary school at present, in short-term inside still need not consider too much.

2. maintains taller stability through mortgaging means to buy a room to need domestic income, but at present the job of both sides of Ms. He couple is put in bigger instability factor, once buy a room to will make major domestic deposit solidify, assume mortgage reimbursement defray heavily, reduce domesticity quality likely, go against what the family fights risk ability to rise. On the other hand, at present building city is in adjust level, suggest Ms. He couple defers to buy a house, consider the plan that buy a house after stability of Anacreontic, income raises bilateral working prospect again.

3. suggests Ms. He optimizes the configuration means of domestic worth, outside removing bank deposit, bear according to oneself risk ability, reasonable the product of conduct financial transactions that adds other type. Combine the plan buying a house of Ms. He, suggest Ms. He key pays close attention to term of a few economy to come one year in half an year keep product of conduct financial transactions of this float accrual bank, in make sure capital safety is mixed maintain fund liquidity while, raise the overall yield of domestic worth appropriately.
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