Can you afford to buy a house in Beijing, Shanghai, Guangzhou and Shenzhen with an annual salary of 1million?

This article is 《35 year , You have to flee Beijing, Shanghai and Guangzhou ？》 The sister part of the article , So friends who haven't read this article , You can have a look first .

1. Yearly salary one million

Two days before , I chatted with my friend about a topic

Yearly salary one million , Can you afford a house in Beijing ？

I am also quite interested in this topic , Today I will analyze this topic , Let's also have a visual experience of the difficulty of buying a house in Beijing .

Don't look at millions per capita , Or some anonymous community , easily P8 Programmers earn millions a year , Make the streets full of millions of annual salary .

But in reality , Workers Few people earn millions a year before taxes , That is to say, as long as your salary can reach the annual salary of millions , It's the dragon and the Phoenix among people .

（ Please note that , What we are talking about here is The annual salary of office workers is millions , Be the boss 、 Stock speculation 、 Except for income from freelancing and other means ）

Let's start with the conclusion , Let me give you an analysis ：

Houses in the north, Shanghai, Guangzhou and Shenzhen , Basically, it is impossible to afford to work , Even if it is a successful job, the top , After all, it is difficult for a director with an annual salary of millions .

2. How much do you have ？

Let's first figure out , How much tax money is paid in millions ？

I checked some data on the Internet , Combined with the situation of several friends who earn millions a year , Come to such a conclusion .

Income of millions per year , Deduct five insurances, one fund and personal income tax , Actually, only 65 All around .

If you live in a first tier city , The rent 、 The cost of living is probably spent on 15 All around , If there are children in 25 All around .

If you deduct it again , About every year 30-40 Thousands of income .

But you have another question to think about , You don't get an annual salary of millions upon graduation , Most workers who can get an annual salary of millions , They have accumulated in a certain field for many years .

The golden age of working in Beijing, Shanghai and Guangzhou is 10 About years ago , Older than 40 After the age of , Competitiveness will decline rapidly , Income will also be affected .

This does not rule out other unexpected expenses .

Taken together ,35-40 year , Only rely on working , Can accumulate 300 ten thousand + The income of the , It's close to the ceiling .

3. Housing prices in Beijing, Shanghai, Guangzhou and Shenzhen

Houses in other cities are not very clear , I know a little about houses in Beijing .

in general ,500 About 10000 can basically buy a house in Beijing , But don't think too much about the location and house type .

Basically, it's a house that makes people a little satisfied in all aspects , Basically all in 1000 ten thousand + 了 .

（ In the downtown area, the public share is excluded , The top four house prices in the world are Hong Kong Shenzhen Beijing Shanghai ）

therefore , Even if you are a director with an annual salary of one million , If you don't have a family background , I want to buy a decent house in Beijing, Shanghai and Guangzhou , It's also more difficult .

Yes, of course , It's OK to start early .

such as , When I was at work , Our company 70、80 Post director , Basically, they have houses in Beijing .

That period , The houses in Beijing are not as exaggerated as that , With a loan hook, you can still get on the bus , But now .

90、00 Then it's too difficult .

Times are different , On the one hand, house prices have already flown ; On the other hand , In the past, China's economy was running at a high speed , But it is a trend to reduce the speed in the future .

The opportunities they can meet , It must be better than before 20 A lot less years .

And China's housing price income ratio , Global Front 10 It has occupied 5 position , The recent economic situation is not very good , All over the country are encouraging people to buy houses again .

If there is another general rise , Global Front 10 We may be able to contract .

There are some things we can't change , There are some things we can change , Then concentrate on what we can change .

< END >

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