[jury of conduct financial transactions] the 8th period problem situation is as follows:
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42 years old, the male, city of coordinate core a gleam of.
At present asset
Market prise of a building 14 million, every months of hire 40 thousand.
Market prise of a flatlet 5.3 million, decorating, decorate a paragraph to still have 200 thousand, predict September settle. Oneself will be entered in January 2020.
Go vacationing room 1.1 million, loan 360 thousand, still 17 years are paid off, every months of reimbursement 3400. Hire at present do not go out. After the plan is decorated 2 years, oneself go vacationing with.
Villatic 3.5 million, the room is borrowed 1.26 million, still 10 years are paid off, wait for frontal capital, at present every months of reimbursement 15 thousand. Did not decorate, plan the end of the year is decorated, predict to decorate charge 600 thousand, every months of hire after decorating 20 thousand.
Small storefront market prise 300 thousand, every months of hire 1000 yuan.
Secure income every months at present 35500.
After predicting 2 months, increase 50 thousand fixed income every months. Every months of income goes to 85500 yuan.
Every annual meeting has unfixed big project income, flowing hind probably annual 500 thousand the left and right sides.
Be in debt at present
Commercial loan A, 2.5 million, borrow money 3 years, still can go in refinance, accrual every months 12000
Commercial loan B, 270 thousand, wait for frontal principal and interest, every months of reimbursement 10050, still have 2 years
Folk is leasehold 2.145 million, accrual every months 10750 yuan, some belong to friendship loan, without accrual. Among them 700 thousand the end of the year is returned this year, other without clear reimbursement time.
The car is borrowed 692824, every months of reimbursement 34673, pay off after two years,
Credit card 450 thousand wait for still, among them 150 thousand in installment 12 months still are over. Odd forehead is spent 10 thousand much.
Other spending
Social security every months 5100 yuan
Insurance cost is annual 50 thousand yuan. Cover share out bonus, weigh disease, accident, medical treatment of be in hospital.
Oil expends every months 4000 yuan
Chummage every months 7000 yuan, predict to will move the flatlet that decorate in January 2020.
Living expenses every months twenty-two thousand two hundred
Car conserve is cleaned annual 7000 yuan
Parental festival red bag is annual 15 thousand
Receivable money 1.8 million, among them 20 thousand call in next week, 1.4 million next year calls in, odd 380 thousand, cannot affirm call in time, close to be not answered temporarily.
Target of conduct financial transactions and idea
Anxious RMB devalues
1. still hopes to buy a house to defy inflation is mixed devalue
2.65 years old retire, can realize financial freedom. Hope retired young man expends 8-10 of every lunar present worth alive 10 thousand, least every months 50 thousand
3. hopes to buy portion deposit a place difficult of access, dispersive risk.
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The 1 problem that solves capital shedding first
From at present expense and month are offerred and credit card use forehead is spent in light of, capital catenary is already special and nervous, you should be caused exceeding take seriously, my proposal, villa sells (the cause that betrays, it is villatic fluidity inadequacy, mainstream bank does not accept pledge, once critical hour, sell off a loss tremendous) , did not take money to decorate at least, can outside the bag goes out to do with a bang bend over manage or the orgnaization that villa manages, bear the cost that decorate by them, you can call in at least 1 year, and even hire of 3 years! Can can call in at least 12-36 10 thousand, and managing energy!
The 2nd go vacationing the room sells, hire do not go out, had shown an issue, go vacationing for oneself merely, economic Zhang delimits do not come! Go vacationing the room sells, can reclaim 1 million, considering mortgage buy, subtractive settle money, 600 thousand the left and right sides is OK come back!
Small storefront, sell, rent is very low, need to worry about, estimate room of small still property right, can sell sell go out, reclaim 300 thousand!
This moment, on your hand at least hold the cash of 1.02 million!
Commercial loan B, should be credit, wait for the reimbursement means of frontal principal and interest, use efficiency is very low, be equivalent to you using the capital of the half only, paid total interest however, had returned a year (reckon at that time also is to have not enough to go round) , ahead of schedule reimbursement should do not have penalty due to breach of contract, change money ahead of schedule, estimation takes up 200 thousand (because wait for what early days of frontal principal and interest returns,be accrual)
Every month 85500 yuan + =126500 of 40 thousand hire, enclothe 109973 indebted! Strong enough life is basic expenditure 2.2! Took the lead in solving the problem of capital catenary, this moment, you had certain safe feeling, do a thing to also be met a few easier, there still is the ready money of 800 thousand on the hand after all!
2 solve at the same time cannot the problem of susceptive risk
About safe proposal, you need the accident a place difficult of access of high specified number
= of accident social status is indebted + children is taught + parental provide for the aged + conjugal life =1013 10 thousand (children teachs me to graduate to the university by education, 2 million computation, I press parental provide for the aged 1 million computation, the spouse has the life of character 5 years, I am pressed annual 400 thousand computation, 2 million)
Because husband and wife assumes joint liability, want successive bequest, must accede debt!
Accident social status, it is insufficient for certain, my individual proposal makes work surely + set one's mind at hundred (the product of some bibcock) + consumption accident danger predicts 10 thousand the left and right sides can be solved highest the social status of 7 million, common accident 3 million, traffic is accident 6 million!
Home compares 1 million medical treatment of fire, it is family member hand for certain, oneself add an abroad medical treatment again! 4000 the left and right sides, OK and highest submit an expense account 6 million!
Danger of share out bonus was not configured with respect to of short duration!
3 future money is free
Cancel to buy the plan of the house again, without the asset that goes up not to drop only, you go selling the 2 flatlet that sell me to give you the proposal, try to know, now the problem of fluidity!
Of engineering field, proposal aggrandizement resource, change part, go out risk marry again, oneself earn information cost and cent bag price difference can
Change a mind, my individual has the investment of 2 respects to suggest, one is Internet cable business, search allow a class, seek accurate group, case dish very fast, later period does not worry about, gain is sizable, OK also and duplicate
One is high-tech, have the technical product of the doorsill, do To B, have the company of excessive price ability, once stabilize, need hand is not much, and stable, profit is sizable also, one young pine millions of!
More proposal, need understands you particular case, redo judgement!
Finance and economics of admire elder brother manufactures: Independent banking expert, investor
