version of this edition of Information Times reporter Wang Wenjia
recently, a netizen said on micro-blog that it sold more than 300 million yuan to sell its house, half of the bank's financial products and half the survival time, with an average of more than 10000 interest per month. The net friend called it "to live for himself." For his behavior, a lot of netizens appreciate his courage, but there are many questions about the voice. These netizens say "house prices have gone up later, he will regret it!"
then, is it really advisable to sell property for financial management and live a lifestyle with interest?
selling program
according to the plan of the netizen, 1 million 500 thousand of 3 million is used to buy bank financial products, while the other 1 million 500 thousand purchases the current account, that is, invest in the Monetary Fund. According to the current rate of return of 4%, 1 yuan can yield 60 thousand yuan. According to the annualized yield of 5% of the bank's financial products, it can yield 75 thousand yuan in 1 years. So, according to this plan, the net friend's interest income in 1 years has 135 thousand yuan, that is, the average monthly income of 11250 yuan.
however, some experts say that in practice, it is more difficult to achieve the monthly income of more than 10 thousand yuan. If you buy 1 years of financial products, the income will only be dealt with at maturity, and it is impossible to pay interest every month. If you want to have a monthly income of ten thousand yuan, you can buy some short-term bank financial products and do some fund investment to ensure that each month can have more than ten thousand yuan of income, so that the monthly rent can be paid. However, because the yield of these products is fluctuant, if the yield decreases and the rent rises, there will be no small pressure.
non selling program
has a net friend to give him a move. "Housing fifteen" believes that half of the bank's financial products,cheap electronics, the general monetary fund way too conservative. He suggested that money should be divided into two parts: high liquidity and low liquidity requirements. "The IMF liquidity is very good. It's no substitute for demand deposits. The part with low liquidity requirement can choose P2P net loan. To calculate the interest rate of 12% of a P2P net loan platform, to purchase monetary fund with 600 thousand yuan and purchase P2P net loan with 2 million 400 thousand yuan, the monthly income is 26 thousand yuan.
, in addition, if the house is not sold, the net friend suggests that it can rent a house for rent, a mortgage application loan,Cheap Adidas Shoes Outlet, and a P2P net investment. So, the monthly rent income can reach 6000 yuan, and the mortgage loan is 18314 yuan per month according to the 15 year, 2 million principal and 7.3% interest rates,asics shoes, and the financial income is 20 thousand yuan a month, and the monthly income is 7686 yuan. Assuming that the person does not eat or drink without a penny, all proceeds will continue to be invested according to the original investment channel, considering monthly compound interest. After 15 years,Cheap Hugo Boss, the total assets of the loan are 5 million 884 thousand and 700 yuan compared with the original scheme, and the cash of the scheme is 5 million 839 thousand and 800 yuan.