With the passage of time and the development of society, the standards of the rich have indeed changed significantly. Even in first-tier cities such as Beijing, Shanghai and Guangzhou, due to the high cost of living and housing prices, even if you have a relatively high income, life is not necessarily easy.
There are significant differences in the level of economic development, income and consumption in different cities and regions, which makes the standards of the rich also different.
Many people are very curious about the question "What conditions does a family have to be wealthy?"
In fact, these four conditions, as long as two are met, so which four conditions are there? Let's talk about this topic in detail.
1. There are no liabilities other than housing loans
In today's society, many people will consume in advance, such as: credit cards, online loans, Huabei, credit loans, etc., according to statistics, 90% of the post-90s are in debt consumption, and excessive debt makes many families breathless.
Some people may ask, why do you exclude the mortgage from the ranks of early consumption? In fact, the reason is very simple, the mortgage is a mortgage for buying a house, and it is also a kind of investment.
Some people do mortgage to buy a house, it does not mean that they have no money, they may use the money for other purposes, such as starting a business, financial investment, etc., so no debt other than a mortgage is one of the standards of wealthy families.
2. The income is higher than 50% of the mortgage and there are deposits
In today's society, most people will choose to take out a loan to buy a house, which does not mean that they are not rich.
Many people don't understand what it means to have an income higher than 50% of the mortgage, simply put, if the mortgage is 8,000, then the monthly income of the family must be at least 16,000 or more, that is, more than double the monthly payment.
With a high income and a certain amount of savings, the quality of life is also guaranteed. Therefore, such a family can be regarded as a wealthy family.
3. Have a full-payment house and a stable job
As one of the basic needs of life, the price of a house often becomes the biggest financial burden for families. Many families have to take out a loan to buy a house of their own in the city, which also leads to the need for most of the monthly income to pay off the mortgage, which also makes life very difficult.
Families who are able to buy a house in full will undoubtedly have a significant advantage in terms of financial ability. Buying a house in full avoids the stress of long-term debt, and you can enjoy life better.
At the same time, a stable job and a stable source of income are also important factors in ensuring the quality of life.
Buying a house in full can prove a person's ability to wealth, and a stable job also solves a lot of troubles in life, ensuring that they have a high-quality living environment, so this is also a sign of a wealthy family.
Fourth, improve social security and financial planning
Wealthy families usually have very complete social security, such as medical insurance, pension insurance, etc., so that they can better cope with possible risks. Medical insurance can reimburse a large part of the money in the event of a major illness, and pension insurance provides a guarantee for future pension life.
In addition, wealthy families will also carry out financial planning to ensure the long-term appreciation of family wealth through reasonable asset allocation.
It should be noted here that these four conditions are not independent, but are related to each other and affect each other.
A family may be outstanding in some aspects, but not so prominent in others, so as long as they can meet two of the above four conditions, then their quality of life has far exceeded that of the vast majority of people, and such a family can also be called a wealthy family.
To sum up, the definition of a wealthy family is a relative concept, and we need to consider it from many aspects.
Of course, there may be certain differences in the standards of wealthy families in different regions and different cultural backgrounds, which needs to be judged according to the specific local situation, not absolutely.