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《理财》编辑:我今年45岁,是一位企业中层管理人员,过去一年的税前月薪资收入是1.5万元,年终奖10万元。我太太40岁,在银行任职,过去一年的税前月薪资收入5000元,每季度有奖金收入2万元,还有年终奖金3万元。我的女儿今年13岁,即将就读初中二年级。我家年消费支出15万元,女儿每年学费支出2万元。我们夫妇6年前有房地产方面的投资,目前有自住房现值250万元,房贷100万元,剩余贷款期限8年,此外还有3处投资房地产:现值500万元的门面房,房贷余额200万元,剩余贷款期限10年,月房租收
“Money Management” EDITOR: I am 45 years old this year and I am a mid-level manager of a company. The monthly salary before tax for the past year is 15,000 yuan and the year-end bonus is 100,000 yuan. My wife 40 years old, working in the bank, the past year’s pre-tax monthly salary income of 5,000 yuan, a quarterly bonus income of 20,000 yuan, as well as annual bonuses 30000 yuan. My daughter is 13 years old this year and is about to attend the second grade of junior high school. My household annual expenditure of 150,000 yuan, her daughter an annual expenditure of 20,000 yuan expenditure. Our couple had investment in real estate 6 years ago. At present, there are present value of 2.5 million yuan, mortgage of 1 million yuan and remaining loan term of 8 years. In addition, there are 3 investment real estate: 5 million yuan worth of frontage and mortgage The balance of 2000000 yuan, the remaining loan period of 10 years, monthly rent collection