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背景资料Pay 今年26岁,本科毕业,现在事业单位工作,月工资3500元,年底有2万元奖金。其未婚夫 Ben 月工资4000元,年终奖金1万元。俩人税后年收入11万元,年支出4万元。初步打算2005年十·一结婚,结婚2年要小孩,目前订了一套房子52万元,首付款交了13万元(其中7万元是借的)。余下的19万元打算用公积金贷款8万元,其余的向亲戚朋友借。俩人的父母在5年内无需经济资助,且能在他们的新房装修时资助8～10万元。目前俩人没有任何财产,近期也没有任何充电学习计划,买的期房要到明年4月份交工,打算明年8月份装修。理财需求新房离 Ben 工作的地方有8公里,所以我们打算买个摩托车,等过几年收入增加了再买汽车(初步考虑5年之后)。考虑摩托车不安全,需要买保险,但不知如何选择。此外2006年6月以前必须还借款7万元(免利息),这笔钱又该怎么筹措?
Background information Pay 26-year-old, undergraduate, now working institutions, the monthly salary of 3500 yuan, the end of 20,000 yuan bonus. His fiance Ben monthly salary of 4,000 yuan, year-end bonus 10,000 yuan. Two people after tax annual income 110,000 yuan, annual expenditure 40,000 yuan. Initially planned to be married in December 2005, 2 years to get children, has set a house 520,000 yuan, down payment of 130,000 yuan (of which 70,000 is borrowed). The remaining 190,000 yuan is going to use a provident fund loan of 80,000 yuan and the rest is borrowed from relatives and friends. Both parents do not need any financial aid within five years and can subsidize 80,000 to 100,000 yuan for renovation of their new home. At present the two people do not have any property, there is no recent charge of learning plans to buy the 期房 to be submitted to work in April next year, plans to renovate in August next year. Financial Needs The new home is 8 km away from Ben’s place of work, so we plan to buy a motorcycle and wait a couple of years to increase our revenue before we buy a car (after five years of initial consideration). Consider motorcycles insecure, need to buy insurance, but I do not know how to choose. In addition, before June 2006 must also borrow 70,000 yuan (interest-free), the money should be how to raise?