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宋先生和文小姐结婚三年,宋先生今年30岁,文小姐29岁,两个人分别供职于两家不同的科技公司,年薪分别为10万元和8万元。在2009年,两个人的工作业绩都非常突出,公司盈利也很可观,在春节后,小两口便分得了一笔丰厚的年终奖,宋先生拿到了8万元,文小姐7万元,这使得小两口喜出望外。文小姐建议,两个人在3月份先把年假休了,去香港旅游和采购一次。宋先生则觉得,两个人的房贷还没还清,又准备在虎年要个小宝宝,生活压力会越来越大,建议把钱留起来或还房贷。宋先生和文小姐每月的生活开支大约需要4000元,养一辆小轿车,每月花销1500元,两个人的单位都有五险一金。两个人在2007年时购买了一套住房,房价160万元,贷款80万元,30年还清,选择等额本息还款,每月还款5000元出头。经过2007年的数次加息以及2008年首套房贷利率下浮30%等变动,胡先生现在每月的月供变为约4000元。小两口只有6万元积蓄,存作定期存款;另有5万元投资于股票市场。
Mr. Song and Ms. Wen are married for three years. Mr. Song is 30 years old and Ms. Wen is 29 years old. Both of them work in two different technology companies respectively, with annual salary of 100,000 yuan and 80,000 yuan respectively. In 2009, two people work performance is very prominent, the company is also very substantial profit after the Spring Festival, the couple will have a generous year-end bonus, Mr. Song got 80,000 yuan, Miss Wen 70,000 yuan, which Make the little two overjoyed. Miss Wen suggested that two people first take the annual leave in March and go to Hong Kong to travel and purchase once. Song believes that two people have not paid off the mortgage, but also to prepare for a baby in the Year of the Tiger, life pressure will be growing, it is recommended to stay or mortgage money. Mr. Song and Miss Wen monthly living expenses need about 4,000 yuan to raise a car, spend 1,500 yuan a month, two people have five insurance and one gold. Two people purchased a set of housing in 2007, the price of 1.6 million yuan, 800,000 loans, 30 years to pay off, choose the equivalent principal and interest repayment, the monthly repayment of 5,000 yuan succeed. After several rate hikes in 2007 and a 30% fall in the first home mortgage interest rate in 2008, Mr. Hu now changes his monthly monthly subscription amount to about 4,000 yuan. The young couple only 60,000 yuan savings, deposits for fixed deposits; another 50,000 yuan investment in the stock market.