王女士在贸易公司工作,月收入约3500元(税后);丈夫在事业单位上班,夫妻两人月收入总计约为8000元(税后)。两人于今年购得一套价值约40万元的房产,其中商业贷款15万元,月供1300元,预计15年还清。现有存款2万元,股市亏损大半,目前账面价值不到3万元。 Ms. Wang worked in a trading company with a monthly income of about 3,500 yuan (after tax); her husband went to work in a public institution and her husband and wife spent a total of about 8,000 yuan (after tax) on monthly income. The two bought a set of real estate worth about 400,000 yuan this year, of which commercial loans of 150,000 yuan and 1300 yuan for the month are expected to pay off in 15 years. The existing deposit of 20,000 yuan, the stock market loss of more than half, the current book value of less than 30,000 yuan.