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宋先生34岁,在某股份制公司任职,做中层管理工作,目前年薪35万元左右;妻子尚女士29岁,在一家外企工作,年薪12万元左右。目前,宋先生夫妇住在北京南四环的房子里,此住房为2004年二人刚刚结婚时购买,成本较低,且没有承担贷款,购买时市值80万元的房子如今已经价值300万元左右。家庭月支出主要包括生活支出和养车费用,约为1.2万元。尚女士由于刚刚怀孕,对来之不易的孩子分外珍惜,准备辞职在家安胎,并有在家做几年家庭主妇照顾孩子的想法。而且,由于目前居住的房子地理位置不好,而且周围没有小学,出于对孩子以后成长环境的考虑,夫妻二人动了换房的念头。目前,除现有住房外,宋先生家庭的流动资产有130万元,其中60万元存作七天存款,30万元买了股票型基金,还有40万元直接投在股票市场里,由宋先生操作,成绩尚可,略有浮盈。宋先生只有单位上的各种保险,尚女士则按照城镇居民养老和医疗的最高标准参加了社会保险,无其他商业保险。若想购买新的住房,按照二人的心理需求,至少要140平方米以上的房子,他们满意的地段基本每平方米单价都在3.5万元左右。也有朋友建议他们可以将现有住房出租,去租一套更好的房子,压力会小一点,手里的活钱可以用来投资理财。
Mr. Song, 34, serves in a joint-stock company and does middle management. Currently, his annual salary is about 350,000 yuan. His wife, Ms. Shang, is 29 years old and works in a foreign company with a yearly salary of 120,000 yuan. At present, Mr. Song and his wife live in a house in the South Fourth Ring Road in Beijing. The house was purchased by the two at the wedding of 2004, with low cost and no loan. The house valued at 800,000 yuan at the time of purchase now has a value of 3 million yuan about. Monthly family expenses mainly include living expenses and keeping expenses, about 12,000 yuan. Ms. Shang, who had just been pregnant, especially valued hard-won children, was prepared to resign at home, and had the idea of housewives taking care of children at home for several years. Moreover, due to the current location of poor housing location, and no primary school around, out of the child’s future growth environment considerations, the couple moved the idea of changing rooms. At present, in addition to the existing housing, Mr. Song family liquid assets 1.3 million, of which 600,000 yuan deposit for seven days, 300,000 yuan to buy equity funds, there are 400,000 yuan directly in the stock market by the Mr. Song operation, the results are acceptable, a slight floating surplus. Mr. Song has only a variety of insurance units, Ms. Shang is in accordance with the highest standards of urban residents pension and medical participation in social insurance, no other commercial insurance. If you want to buy a new housing, in accordance with the psychological needs of two people, at least more than 140 square meters of houses, they are satisfied with the basic price per square meter at about 35,000 yuan. There are also friends who advise them to rent an existing home and rent a better home. The pressure will be lower and the living money in their hands will be used to invest in wealth management.