论文部分内容阅读
●王女士,45岁,年薪3万元,年终奖金6000元,每年生活开支1万元,没有任何保险。●儿子,21岁,大学二年级在读,每年上学开支1.5万元,购买了学生平安保险。●女士的丈夫于2年前出车祸死亡,对方赔偿12万元,其中10万元为一年期银行存款,2万元购买国泰金牛创新成长基金。家里有两间店面房,购置价格36万元,首期付款28.8万元,贷款7.2万元,分5年还清,采取等额本金还款法,按照新利率计算还款总额为8.16万元(支付利息9600元)。店面房年租金收入1.2万元/年。目前王女士家庭的资产收入状况如表1、表2所示。
● Ms. Wang, aged 45, annual salary of 30,000 yuan, year-end bonus of 6,000 yuan, annual living expenses 10,000 yuan, without any insurance. ● son, 21 years old, sophomore at school, spending 15,000 yuan each year to go to school, bought the student safety insurance. ● Ms. husband’s husband died in a car accident two years ago, the other compensation 120,000 yuan, of which 100,000 yuan for one-year bank deposits, 20,000 yuan purchase Cathay Pacific Bull Innovation Growth Fund. The home has two shops, the purchase price of 360,000 yuan, the first payment 288,000 yuan, loan 72,000 yuan, five years to pay off, to take the principal repayment method, according to the new interest rate calculation of the total repayment of 81,600 yuan (Interest paid 9,600 yuan). Storefront annual rental income 12,000 yuan / year. At present, Ms. Wang family’s asset income as shown in Table 1, Table 2 below.