Some people think that owning more than two properties in the city is considered a wealthy family. Some people also think that only a wealthy family can be considered a wealthy family with a deposit income of 5 million. Of course, there are also people who think that a family with a monthly income of more than 30,000 yuan is considered a wealthy family. Some insiders said that the liquidity of real estate is poor, and it may not be able to be realized in time at that time. Wages are also volatile, and savings are the best measure of wealthy households.
According to bank staff, as long as your household has more than 300,000 yuan in savings, it is considered a wealthy family. According to central bank data, as of the end of March, the balance of household deposits in mainland China exceeded 150 trillion yuan, and the per capita deposit was close to 110,000 yuan based on the domestic population of 1.4 billion. If there are 3 people in a family, as long as the savings exceed 300,000, it is considered a wealthy family.
Many people may think that as long as the family savings reach 300,000, even if it is a wealthy family, this is a bit incredible. Now many people on the Internet are posting their savings, ranging from a few million to tens of millions, and can a wealthy family with a mere 300,000 yuan?
According to the data of Southwest University of Finance and Economics in previous years, the proportion of household deposits less than 163,000 reached 65%, which means that only 35% of households have more than 163,000 yuan in savings. The proportion of households with more than 200,000 deposits is probably less than 20%, and the number of households with more than 300,000 deposits is even less.
Now the question arises, why do most households in China do not have a large amount of savings? We summarize this into the following reasons: First, the people's income is small, but their daily expenses are very large. The income of most domestic people is between 3 and 6,000 yuan, and the income is generally low. And as prices rise every year, the cost of living is increasing every year.
In addition, many people also have to spend money on children's education, medical treatment, social entertainment, supporting parents, etc., basically busy all year round, and it is difficult to save much money. To reach 300,000 in deposits, that's just a luxury.
Second, housing prices in various places are relatively high, and buying a 90-square-meter commercial house is less than 1-2 million, and more than 6-7 million. This means that buyers are not only draining all of their family savings, but they are also owed decades of mortgage to the bank, paying a large portion of their monthly income. The remaining disposable income can only cover basic living expenses. Therefore, a family like this has only tens of thousands of yuan in savings, and 300,000 yuan is out of reach for them.
Third, modern young people do not like to save money, but like to spend, even ahead of time. Because, contemporary young people are influenced by Western consumption concepts and like to live a life of advanced consumption. Therefore, groups like this basically have no deposits in the bank, let alone more than 300,000 deposits. According to the data, the number of young people born in the 90s in China is 175 million, of which nearly 90% of the post-90s are in debt, and the per capita debt is 130,000 yuan.
In the eyes of many people, the savings must reach at least 5-6 million to be considered a wealthy family. But in reality, if you have a household savings of more than 300,000, you are considered a wealthy family. Because, your household savings have exceeded 80% of the households. In fact, if your family has 300,000 yuan, you can calmly deal with unemployment, illness, pension and other problems, and you don't have to borrow money from others. Obviously, it is still necessary for a family to have a deposit. Hurry up and see if your household savings meet the target?