The middle class, a word, has its own specific meaning in different times and in different countries.
In the past,We are Xi to defining this class in terms of owning a house and a car and a stable salary.
However, real-world economic pressures and debt burdens blur such a definition.
Indebted households, despite their material assets, do not live in a situation and living under pressure that do not conform to the traditional definition of the middle class.
According to the latest data,There are about 30 million middle-class families in China, with a total of about 100 million people.
These families need to meet at least one of the following four criteria:
Bank deposits of more than 1 million.
The monthly family income is more than 20,000 yuan.
Buy a house in full at once.
The market capitalization of the financial account is at least more than 1.5 million.
For many people, a deposit of 1 million does not seem like a high standard.
But shockingly,It is difficult for the vast majority of working families to accumulate this amount in their lifetime.
You know, even if a family saves $3,000 a month, it will take 27 years to reach that figure.
In fact,At present, only 0% of the total number of households in China have a deposit of more than 500,000 yuan37%，There are even fewer families with more than 1 million yuan.
Considering that most of China's salarymen have a monthly income of 3-6,000 yuan, setting a monthly income threshold of 20,000 yuan does show that this is a small number of superior families.
WhileJudging from the tax data, only 65.12 million people have a monthly income of more than 5,000 yuanThis further highlights the uniqueness of the 20,000 yuan threshold for middle-class families.
In the current real estate market,More than 95% of households need a bank loan to buy a property.
Families who are able to buy a home in full at once or have already paid off all their mortgages have undoubtedly become a true middle class in this context.
Although investment channels are becoming more and more abundant, and many people choose **, and other financial products, the value of these assets fluctuates greatly and the liquidity is not satisfactory.
Therefore, the criterion of setting a market value of at least 1.5 million in a financial account is based on considerations for the stability of this asset.
The new middle-class standard is closer to reality and more discriminatory.
It is not just a digital or material sign, but more a reflection of a family's economic stability, investment wisdom and quality of life.
Hopefully, these standards will provide you with a clearer direction for better planning your life and financial goals.