论文部分内容阅读
李女士,35岁,税前月收入9000元,年终奖5万元。丈夫王先生,40岁,某上市公司副总,税前月收入2.5万元,年终奖16万元。夫妇二人单位均缴纳三险一金,未投商业保险。年生活支出8万元。儿子今年10岁,就读小学四年级。家庭现有活期存款12万元,5年期储蓄电子国债26万元,已持有两年时间,银行理财产品110万元,A股股票现值60万元,略有浮亏。去年理财收入约2万元。夫妻个人养老金账户余额21万元,住房公积金18万元。自住房产市值120万元,贷款余额45万元,剩余期限14年,贷款年利率7.05%,等额本息还款。
Ms. Li, 35 years old, before the tax income of 9,000 yuan, year-end awards 50,000 yuan. Husband, Mr. Wang, 40 years old, a vice president of a listed company, before the tax income of 25,000 yuan, the end of the year award 160,000 yuan. Both husband and wife units are paid three insurance and one gold, did not vote commercial insurance. Annual living expenses 80000 yuan. 10-year-old son, studying fourth grade. The family has a current deposit of 120,000 yuan, a five-year savings of 206,000 yuan of electronic treasury bonds, has held two years, 1.1 million bank financial products, A shares worth 600,000 yuan, a slight Fukui. Last year, financial management income of about 20,000 yuan. Couples personal pension account balance 210,000 yuan, housing provident fund 180,000 yuan. Since the housing market value of 1.2 million yuan, the loan balance of 450,000 yuan, the remaining period of 14 years, the loan interest rate 7.05%, equal principal and interest repayments.