if the house price is calculated as 6, yuan per square meter, the 12-square-meter house is 72, yuan, and the 3% down payment is 216, yuan. In addition, the lawyer's fee, insurance premium, loan fee and miscellaneous expenses such as paying the public maintenance fund are about 3, yuan. At present, the house purchase price in your hand cannot be less than 246, yuan, even if it is 25, yuan.
five years, according to the calculation of 22 working days a year (now most units are paid according to the work diary), one * * * is 11 working days. 25, divided by 1,1 working days is equal to 227.27 yuan/day. In other words, in order to buy a house, you have to save 227.27 yuan every day for these five years.
Of course, it is not enough to earn 227 yuan a day. We have to calculate the living, entertainment and other expenses for these five years.
In Beijing, an office worker's monthly basic transportation fee is 2 yuan (this is relatively small, and he basically doesn't play); Generally, the company will have a meal at noon, so it's mainly breakfast and dinner. Breakfast won't exceed 5 yuan, so dinner is not necessary. Parents in Beijing can save a little, otherwise they will have to go to 3 yuan for a month. Therefore, one month's food expenses, we calculated that it is 5 yuan (this is an honest person's expense for less entertainment).
Entertainment costs, watching a movie, even if it is a half-price movie on Tuesday, at least you have to go to 2 yuan; Sing a karaoke, even if the till is in charge of the lunch at noon, 4 yuan is alone. If you have a girlfriend, these expenses will have to be doubled. If you buy more books and music, the monthly entertainment expenses will be saved according to 5 yuan.
You can't stay in Beijing for five years. People from other places need to go home to see their parents. It takes at least two years for local people in Beijing to go out to play. So the cost is calculated at 3 yuan per year.
There is also a relatively large expenditure, that is, the accommodation problem before buying a house. After all, there are not a few units that solve housing now. The biggest expenditure for foreigners to work in Beijing is accommodation. We'll rent a two-bedroom apartment for two people at 12 yuan per month, and we'll have to spend more on 6 yuan every month.
well, let's assume that you are in good health and free from diseases in the past five years. At this time, it is necessary to calculate how much money you need to earn every day.
the annual transportation fee is 2,4 yuan, the food fee is 6, yuan, the entertainment fee is 6, yuan, the travel fee for going home is 3, yuan, and the housing fee is 7,2 yuan (Beijing locals don't have this fee). A total of 24,6 yuan a year (17,4 yuan from Beijing). The total amount in five years is 123, yuan (87, yuan in Beijing). On average, it is 111.8 yuan (79.1 US dollars) per day.
plus the room rate of 227.27 yuan per day, you will earn 339.7 yuan per day (36.37 yuan in Beijing). In this way, your monthly salary must reach 7,459.54 yuan (6,74.14 yuan for Beijingers), which is real money after deducting personal income tax, three insurances and one gold.