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理财对象:王先生,医生,今年37岁;妻子是一名护士,有一个儿子,现上初三。三人身体状况良好。家庭财务信息:家庭月收入44000元;总支出31000元,其中:生活费2500元,子女教育费1500元,供养父母1000元,按揭利息24000,其它费用2000元;每月节余13000元。家庭资产负债情况:资产:现已拥有上海写字楼两套,一套价值260万元的写字楼已全部还贷了,与朋友一起买的另一套房子价值500万,明年9月份可交付使用,总资产510万元;负债:外债20万元,房屋按揭125万元,总负债145元;资产净值365万元。
Money objects: Mr. Wang, a doctor, 37 years old; his wife is a nurse, a son, now on the third day. Three people in good condition. Family financial information: family monthly income of 44,000 yuan; total expenditure of 31,000 yuan, of which: living expenses of 2,500 yuan, 1,500 yuan for children education, supportive parents 1,000 yuan, mortgage interest 24,000, other costs 2000 yuan; monthly savings of 13,000 yuan. Assets and liabilities of the family: Assets: now has two sets of office buildings in Shanghai, a set of 2.6 million yuan worth of office has all been repayments, and friends bought with another house worth 500 million, to be delivered next September, the total Assets of 5.1 million yuan; liabilities: 200,000 yuan of foreign debt, mortgage of 1.25 million yuan, total liabilities of 145 yuan; net assets of 3.65 million yuan.