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WEB ANNOUNCE:

Small family rental live oneself close hire a month to buy house program into 50

From;  Author:Stand originally Position:home>Rental Guide>

Spring 2003, zhang Xiang flies to the United States to study abroad. After 3 years, he what obtain master's degree returned Chengdu, be in at present new and high the Zhang Xiang that the area works on the west is badly in need of facing two problems: If why handle his family of limited means and without powerful connection inside the urban district,be model, 2 it is the important event that how is oneself inside 3 years two do good material to prepare (the house) that for instance a 100 square metre control. For this, he is badly in need of getting the help of expert of conduct financial transactions.


Zhang Xiang is in Zhang Xiang's financial standing at present new and high on the west area company of an United States works, monthly wages of the first year is 5000 yuan.

Meanwhile, he found to be able to offer what he lives to close around the unit rent a house. Every months of hire 400 yuan. Zhang Xiang estimates, henceforth every month, oneself basic life pays expenses (include chummage, traffic, water and electricity, get online wait for charge) should control in 1000 yuan, buy the item such as recreation of party of the dress, outer repast, classmate, need 1000 yuan or so additionally probably. Every months of general branch goes out to be controlled in 2000 yuan about.

Zhang Xiang under one's name has house of a commodity, be in jade forest village, the small family that is a 45 square metre. In addition, through work during the United States and jackarooing, 8000 dollars always are shared in his hand at present. Zhang Xiang's insurance is a company to offer entirely at present; According to his contract, his bonus is controlled in 10000 yuan end of the year (can take half) only this year.

Financial analysis sits division of examine conduct financial transactions: Combine negotiable securities Li Hui

Mr Zhang year income is 70 thousand yuan (12 + of 5000 × 10000) , it is income of initiative wage labor entirely, anticipate income can grow continuously. Defray is 24 thousand yuan, savings ratio is higher (balance 46 thousand yuan of) . Divide in addition, as the youth of a strong finish school, mr Zhang still has deposit 64 thousand yuan, and there is a small family in the urban district model, and do not have be in debt.

Proposal of conduct financial transactions

1. building mights as well rental arrived 2004 now, this small family of Mr Zhang be to make money undoubtedly, at present market price is in 5500 yuan about / square metre, earned 889 yuan. Nevertheless, at present the country had massive adjusting control to estate market, especially the country left to building business recently impose individual income tax, come to Mr Zhang right now say, selling is not very good choice.

Might as well at present the small family of a Yu Lin give lease, press current price, hopeful of the small family of 45 square metre with be decorated better hire achieves 1000 yuan / month. On one hand the income of hire can be used to the cost that supports him himself to rent a house outside, still have partial profit even; Additional on one hand, when future buys bridal chamber, sell this ring house, can avoid many charge (if touch,buckle the) such as individual income tax. Sell this flatlet house to moment serve as bridal chamber head pay, the choice with right can yet be regarded as.

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