The truth of savings is revealed: 80% of family savings are difficult to exceed 100,000?
In today's society, savings seem to be an important indicator of a family's wealth. However, have you ever wondered what the level of savings of most households is? Recently, a statistical data on household savings has aroused widespread attention and heated discussions. According to the data, there are nearly 500 million households in China, but more than 80% of them have a savings of more than 100,000 yuan. This data is shocking, and it also raises us to think deeply about the current state of household savings.
1. Current situation of deposits: the gap between the rich and the poor is prominent
Differences in the level of savings are significant among large groups of households. According to the survey, the per capita savings in the country have reached 108,000 yuan, but this does not mean that every family can reach this level. On the contrary, the level of savings of most households is much lower than this figure. Taking a family of three as an example, to reach the average deposit level, the family savings need to reach 324,000 yuan. However, the reality is that many households have far from this level of savings due to various reasons, such as mortgages, education expenses, etc.
2. The Depository Class: Another Interpretation of the Gap Between the Rich and the Poor
In order to have a deeper understanding of the current situation of household savings, some people divide annual savings into 10 classes. From the subsistence layer to the mystery layer, each class represents a different level of savings and economic status. However, the division of these classes is not entirely accurate, as the level of savings is influenced by a variety of factors, such as occupation, region, family structure, etc. But in any case, these classes reflect the gap between rich and poor in Chinese household savings.
3. Deposit challenges: Housing loans have become the biggest burden
Mortgages have become one of the biggest burdens for Chinese families. According to statistics, 780 million people in the country have debts, 80% of which are property loans. Many families have to carry heavy debt pressures in order to buy a home. After deducting the mortgage and basic living expenses, it is naturally difficult for households to accumulate savings. In addition, as house prices continue to rise, mortgage pressures are increasing, making many households even more stretched thin when it comes to savings.
Fourth, the deposit problem: the contradiction between income and expenditure
In addition to the burden of housing loans, the contradiction between household income and expenditure is also one of the important reasons why it is difficult to accumulate savings. The main source of income for many households is wage income, but due to various reasons, such as industry recession, job instability, etc., it is often difficult for wage income to reach the expected level. At the same time, household spending is increasing as living standards improve and prices rise. In this case, the accumulation of household savings becomes more difficult.
5. Deposit Advice: How to Increase Household Savings?
First of all, we should establish a correct concept of consumption, avoid spending ahead of time, and reduce unnecessary consumption. By planning and controlling our spending, we can create more room for households to accumulate savings. Second, we can actively look for opportunities to increase revenue. Whether it's improving vocational skills or expanding income channels for side hustles, it can provide more support for the accumulation of household savings. Finally, we can also increase our family income through financial management and other means. When choosing wealth management products, we should pay attention to risk control and income stability to ensure the safety and appreciation of family funds.
6. Deposit is not the only criterion
While savings are one of the most important indicators of a household's wealth, it should not be seen as the only criterion. Every family has its own lifestyle and values, and the level of savings does not fully reflect the quality of life and happiness of a family. Therefore, we should look at the issue of household savings with a more comprehensive and inclusive mindset to create a better future for every family.