What kind of family is superior, family conditions will greatly affect children's personality, so different families will also cultivate different children. A good family is what we all want. Let's share what kind of family is superior.
What kind of family is superior? 1 first, the permanent city is full.
At present, the house has become the biggest burden for people. After all, for now, a house is a necessity if you want to live in the city. But at present, house prices are still very high, and many families are burdened with 30-year mortgages in order to buy a house. For these families with mortgages, the economic pressure is very great. Although there is a big gap between housing prices in small cities and big cities.
But there is also a big gap between the income of residents in small cities and that of residents in big cities. Under such circumstances, residents living in every city, as long as they choose to buy a house with a loan, will have little monthly income after paying off their mortgage every month, plus their daily expenses.
In this case, these families don't have much savings. For those families whose houses are already full, there is no pressure of mortgage every month, the monthly income level can be completely controlled by themselves, and the quality of life will be improved a lot. In addition, the house itself is one of the wealth of the family, and it can be realized directly when it is short of money. Therefore, for those families with adequate housing, they are also considered wealthy families.
Second: loan to buy a house, but there are 500 thousand cash in hand.
For many families, there is not so much money in hand. When buying a house, they basically choose to borrow money to buy a house. For these groups, if they have 500,000 cash in hand, they can be regarded as wealthy families. After all, for ordinary people, if they have enough funds in their hands, they can avoid their own shortage of funds. Especially in the past two years, many people have lost their jobs, and even those who opened stores have lost their money.
In the face of these emergencies, if you have enough funds, you can deal with these things. Moreover, having 500,000 yuan in hand is a high-income family, which can make your family live in a high-quality state. Such a family, with a high degree of happiness, can also be called a wealthy family.
Third: no house, but millions of savings.
For some families, they are unwilling to bear the pressure of mortgage, so their income is stored and they are unwilling to buy a house. Especially in those big cities, housing prices are high. Faced with a house price of tens of thousands of yuan per square meter, a house needs millions, even in some areas with higher house prices, a house needs tens of millions. Faced with such a situation, many families have given up the idea of buying a house and would rather rent a house all the time.
Under such circumstances, these families will choose to rent a house. But in fact, the only measure of family wealth is the house? No, just like families in these big cities, they have a lot of savings, but it is more difficult to buy a house in a big city.
So for these families without houses, if they can have millions of savings, they can be called wealthy families. When you need money, you don't have to borrow money everywhere and bear huge debts. Even if you want to buy a house when you are old, you can choose to go to a small city with cheap housing prices and buy a house for the elderly.
Fourth, the family's monthly income is above 6.5438+0.6 million yuan.
Some people may say that under the current consumption level, the household income level of one month10.6 million yuan is not high. According to both husband and wife, a person's average monthly income is only 8000 yuan.
However, according to the consumer finance report of Bank of China, "the post-90s salary below 3,000 yuan accounts for 16.8%, between 3,000 and 5,000 yuan accounts for 27.7%, between 5,000 and 8,000 yuan accounts for12,000 yuan to 20,000 yuan.
It can be said that the monthly income of a family now is 6.5438+0.6 million yuan, which is equivalent to both husband and wife catching up with the average income level of the post-90 s, although in big cities, the monthly income of 6.5438+0.6 million yuan can not make a family live a good life. But in those third-and fourth-tier cities, this is a very high income level. This will also enable families with a monthly income of 1.6 million yuan to live a better life in these third-and fourth-tier cities, with a higher happiness index, which can also be called wealthy families.
What kind of family has a good family, almost no savings, but a full set of commercial housing?
According to the data released by the National Bureau of Statistics, the unit price of new houses in recent months is about 9,757 yuan per square meter. Assuming a house with a total payment of 100 square meter, the total calculated value has reached 970,000.
If there is a hot city with 12 line, the price will increase exponentially. According to the statistics of RealData, the average house price of 65 key cities in China is 17388 yuan/square meter, and that of 4 first-tier cities is 65,000 yuan/square meter, among which the average house price of 19 cities exceeds 20,000 yuan, of which the average house price exceeds 15000 yuan.
If you buy a house in full, you don't have to worry about the monthly mortgage. According to statistics, 25% of the national per capita disposable income is spent on housing. If you choose to buy real estate, the overall mortgage expenditure will be higher, accounting for 30%~50%.
The expenses of these mortgages are enough to effectively improve their quality of life. Many people are frugal because of the pressure of real estate life. Without the pressure of mortgage, all problems will be solved. You can eat better if you have money. You can eat lightly if you have no money. At least you won't have a fixed fee to spend every month.
2. Families without debt and real estate have 800,000 deposits.
With the development of society, people's views on money have changed. Since a house casually exceeds one million, 800,000 deposits are nothing!
Young people can get hundreds of thousands of loans through credit cards, and 800 thousand is nothing!
Contact with various short videos tells us that the annual income is not hundreds of thousands!
In fact, many people are just confused by these superficial things, because they have never owned 800 thousand, just confused by these superficial things. Why should I be over 25 years old? There were 500,000 deposits before, and it was almost impossible to meet the standard. It doesn't seem to be much. On average, it is very much every month. I graduated from college at the age of 23 and worked for three years, with an average annual deposit of 654.38+0.7 million yuan, which is almost impossible!
Of the 200,000 deposits, 400,000 can be used to buy a small house in the city, with an average house price of about 6.5438+0.5 million, and the remaining funds can be used to repay the mortgage.
Even if you don't buy a house, 800,000 yuan will be put in the bank for regular financial management, and the annual interest return will be around 30,000 yuan, which can obviously meet the most basic expenses of many families!
3. Have a mortgaged house with more than 300,000 deposits.
In today's society, many families have emptied six wallets and bought houses, but the situation behind them is that they have no money to decorate, buy furniture and electrical appliances, and have great pressure to repay loans. Personally, I suggest that at least 6~ 12 months of repayment funds should be reserved for buying real estate now, otherwise, under the special circumstances of 2020, many people will have no money to repay the loan and can only choose to postpone the mortgage, but the delay is limited and will not last long.
300,000 yuan can meet the repayment amount of most cities in China 12 months, 24 months or even 60 months, so after such a long period of precipitation, on the one hand, my pressure has decreased correspondingly, on the other hand, my income has increased, so it is relatively easy to repay the mortgage after five years.
4. The family's monthly income is more than 6.5438+0.6 million yuan.
Some people say that the monthly household income10.6 million is not high! Calculated by a family working for two years, the average income is 8,000 yuan, which is considerable. According to the consumer finance report of Bank of China, the post-90s salary level is below 3,000, accounting for 16.8%, 3,000-5,000 accounting for 27.7%, 5,000-8,000 accounting for 23.5% and 8,000-1.
The average salary level of China Enterprise Recruitment Salary Report released by Zhaopin in the third quarter reached 9739 yuan (38 key cities), and the average income level of Beijing, Shanghai, Shenzhen, Hangzhou, Guangzhou, Nanjing and Zhuhai exceeded 1 10,000 yuan.
According to the published median income of major cities in 2020, it can be clearly concluded that it is right to discount the average wage by 60%. The average wage in Beijing is12,858 yuan, and the median income is about 77 15 yuan. The average salary is 9739 yuan, and the median income is about 5843 yuan, so the monthly salary of 8000 yuan has stood in a higher position.
The definition just mentioned is very vague. For example, a monthly income of 8,000 yuan is obviously weak in first-tier cities because of high prices and housing costs, but in third-and fourth-tier cities, with an income of 8,000 yuan, life will be beautiful and good.
What kind of family is a well-off family? Three well-off children all have these four characteristics.
1, cheerful and lively.
A good family not only means that his family is rich, but also includes economy, culture and other aspects. Children with good families often receive more education and get more things than ordinary children. Most of them have a well-fed childhood, and the hard days are far away from them. Therefore, they are often more positive, optimistic and confident than children with poor family conditions, giving people a feeling of natural and graceful, lively and cheerful. Such children often can't live.
2. Strong social skills
Strong family conditions give them confidence in socializing. Natural and graceful personality also makes more people like to make friends with them. Self-confident personality allows them to communicate with whoever they can in Kan Kan. They are more able to grasp the scene, humorous than serious, and such children often have an advantage in communication and are deeply loved by everyone. Children from wealthy families often learn a lot of extracurricular knowledge and skills outside textbooks, which broadens their social scope.
3. Everything is positive.
Children with good family background have been involved in a wide range since childhood and are curious about unknown new things. They have seen a lot of the world, so they will show positive confidence in everything they do. This self-confidence gives him great courage and courage. They will not be timid in doing things, because they want to show their good side to everyone and get their appreciation.
Step 4 be knowledgeable
In our era, family conditions are poor and resources are few. Most of what children learn and know are shallow and limited, giving people a feeling that they have never seen the world, but their family conditions are excellent.
Their parents educated them from an early age, took them out to participate in youth camps, traveled around the country, and saw many things they had never seen before, which broadened their horizons and increased their knowledge. Vision is such a thing, if you don't see it, it is difficult to learn through knowledge. Therefore, children with good family conditions will find that they have a wide range of knowledge and give people a sense of erudition.
Although children with good birth conditions will perform better in some aspects, we should not be biased against children with ordinary backgrounds. They have no defects themselves, and it is possible to catch up with them through hard work.