Suppose you plan to save money in five years and buy a house with two rooms, two halls and two bathrooms in Beijing 120 square meters. In the first ten years, only two people can live in a family of three. Let's figure out how much money you have to earn every day to pay a 30% down payment in five years and continue to pay a monthly mortgage of 3,000 yuan for 20 years.
The house price is calculated as 6000 yuan per square meter, 120 square meter house price is 720,000 yuan, and the down payment is 30% 2 16000 yuan. If you buy a house, you need to pay about 30,000 attorney's fees, insurance, loan fees and public maintenance funds when you hand over the house, so the cash when you buy a house should not be less than 246,000, even if it is 250,000.
Five years, calculated on the basis of 220 working days a year (now most units pay wages according to work diaries), one * * * is 1 100 working days. 250,000 divided by 1 100 working days equals 227.27 yuan/day. In other words, in order to buy a house, you must save 227.27 yuan every day for these five years.
Of course, it is not enough to earn only 227 yuan a day. We have to calculate the expenses of life, entertainment and so on in these five years.
In Beijing, the most basic monthly transportation fee for an office worker is 200 yuan (this is relatively small, and basically no taxi); Generally, the company will pay for a meal at noon, so breakfast and dinner are the main ones. Breakfast will not surpass 5 yuan, and dinner is not necessarily. Parents in Beijing, you can save a little, or 300 yuan a month. So a month's meal, we even 500 yuan (this is the expense of honest people who have little entertainment).
Entertainment expenses, a movie, even a movie with half price every Tuesday, at least in 20 yuan; Sing karaoke once, even if the cashier is in charge of lunch at noon, everyone will still be 40 yuan. If you have a girlfriend, these expenses will definitely double. If you buy books and music, the monthly entertainment expenses will be saved according to the calculation of 500 yuan.
You can't stay in Beijing for five years. People from other places need to go back to their hometown to see their parents, and those in Beijing should go out to play at least once every two years. So we calculate the cost at 3000 yuan per year.
There is also a relatively large expense, which is the accommodation problem before buying a house. After all, only a few units provide housing, and the biggest expense for people from other places to work in Beijing is accommodation. Let's calculate, two people sharing a suite, two householders are 1200 yuan every month, and 600 yuan every month.
Ok, we still have to assume that you are in good health and there have been no diseases and disasters in the past five years. At this time, we will calculate how much money we need to earn every day.
The annual transportation fee is 2400 yuan, the food fee is 6000 yuan, the entertainment fee is 6000 yuan, the travel home fee is 3000 yuan, and the housing fee is 7200 yuan (Beijing locals don't have this fee). A total of 24,600 yuan a year (Beijing is17,400 yuan). Total for five years123,000 yuan (87,000 yuan for Beijingers). The average daily rate is11.8 yuan (79.6438+0 yuan).
Add the daily house payment of 227.27 yuan, and your daily income is 339.07 yuan (306.37 yuan in Beijing). In this way, your monthly salary must reach 7459.54 yuan (Beijingers are 6740. 14 yuan), which is real money after deducting personal income tax, three insurances and one gold.