In people's impression, the most important attribute of civil servants is stability, and the salary is generally around 2000-4000 yuan. It is impossible to make money. A careful investigation reveals that many public officials have several suites in the local area, although their salaries are not high. Why is this? Where does the money for buying a house come from?
I. Intangible benefits
For some time, dry pay slips were very popular, and many civil servants' pay slips were "pitiful", basically hovering around 2600-4000. Perhaps after becoming a leader, the salary will break through the 5 prefix, but it will take a long time and some opportunities and luck. Most grass-roots workers may earn about 4000 yuan in their lifetime.
However, civil servants have invisible benefits. In addition to wages, other benefits are counted together, which is also a lot of income. The first is the year-end performance. According to different regions and positions, the year-end performance bonus is also different. In some economically developed areas, ordinary civil servants can get about 50,000-60,000 achievements by the end of the year. Together with the salary, the annual salary immediately reached more than 654.38+ 10,000.
In addition to performance, civil servants also have daily meals, car subsidies, housing subsidies and property subsidies. And civil servants in the north also have heating allowance. These expenses add up to thousands of pounds a month, which constitutes part of the income. There are also some civil servants who eat in the unit canteen, which can save most of the money for eating at their own expense and virtually increase their savings.
The biggest reason why civil servants can buy several suites is that they have provident fund, and the amount of provident fund payment in economically developed areas is very high. For example, the basic income of Tianjin civil servants is divided into punch card salary, performance bonus and provident fund. Although the punch card salary is only about 4-5,000 yuan, the provident fund is paid according to the amount of 12%, and there is an additional supplementary provident fund, which can add up to more than 5,000 yuan per month.
This also means that after buying a low-priced house and paying hundreds of thousands of down payments, the remaining loans can be deducted from the provident fund every month. For civil servants, the pressure of buying a house is not very heavy. After settling the down payment, they can use the provident fund to repay the loan. Meals can be settled in the company every month, and there are cash subsidies or oil rice gifts on holidays. Although you can't be rich or expensive, it is enough for ordinary people to live comfortably.
Second, parents buy in advance.
Many jobs in the system look glamorous, but in fact the income has just passed the urban minimum wage line. But every year when you sign up, there are still thousands of people pouring in. Why is this? For those already rich families, they don't have to rely on their children to go out to make money. They prefer to let them be clerks in the system and speak out in front of relatives and friends.
This kind of person is not uncommon in the system. They have a salary of about 4000 yuan, but there are several suites under their names, which are usually bought home in advance. In retrospect, the most popular in the blind date market is not the elite women who earn tens of thousands of dollars a month. However, those girls who are well-off, their parents buy real estate in advance and have a stable income within the system.
Third, there are extra properties at home.
Most people who want to take the civil service exam are locals. Grandparents, grandparents and parents all have real estate at home, so children naturally don't have to worry about earning hard money to buy a house. These people want to live a stable life, be close to home, be able to accompany their families every day and have time to pick up and drop off their children. Even if the salary is around 4000, you don't have to bear the pressure of mortgage. After all, you can inherit several houses in the future.
If both husband and wife are employees in the system, they can not only inherit more real estate, but also add up the provident fund, which may be tens of thousands per month. Whether this money is used to buy a new house or take it out for the elderly after maturity, it is a very objective wealth. Therefore, there is no need to question why the salaries of civil servants are much lower, because most people have their own real estate and then they are admitted to public office.
Summary:
China people have "test genes" since ancient times. In ancient times, Jin Fan didn't take the exam until he was in his fifties. Today, many people don't work for a few years to take the exam, just to prepare for it full-time. However, the ancient market economy was relatively simple, and taking an examination of the public may be the best way. With the prosperity of the domestic market economy, many people feel that they don't do well in the exam, have low wages and great responsibilities, and work hard to make money.
However, in recent years, influenced by many factors, the global economy has declined and the domestic "exam fever" has rekindled. Although the monthly salary of civil servants is low, but there are many hidden benefits, plus provident fund, year-end performance and so on, it is still a good job. The most important thing is that people will not be laid off easily because of a bad market economy.