The salary of civil servants is only 4,000 yuan, why do people have more than one apartment? Where do they have their money?
In recent years, due to the impact of the epidemic, it is difficult to find a job, and many young people choose to apply for the civil service, so the competition for the civil service application is becoming more and more fierce. The competition for civil service applications is becoming more and more fierce, mainly because civil servants have a relatively easy job and a stable income. What's more, civil servants can work until retirement as long as they don't make particularly serious mistakes, which is much more stable than working in a business.
But some people are puzzled that the salary of grassroots civil servants is only about 4,000, and many people have several properties at home. Where did they get the money? In fact, although the salary of grassroots civil servants is only about 4,000 yuan, their hidden profits are very good.
In addition to the basic salary, civil servants are entitled to several benefits such as housing allowance, car allowance and meal allowance. In addition, civil servants can also receive performance bonuses at the end of the year, which are worth at least tens of thousands of yuan. Therefore, it is not surprising that civil servants in some areas earn more than 100,000 yuan a year. Obviously, with such an economic income, it is certainly much easier for civil servants to buy a house than we think.
In fact, in addition to the many hidden benefits of the civil servant group, many civil servants have several suites at home, for the following reasons: First, the pressure of provident fund loans is light. At present, although the basic salary of civil servants is not high, the provident fund that the unit has to pay for them is very high.
In this way, civil servants can enjoy a higher CPF loan amount and a lower loan interest rate when buying a house. What's more, since civil servants have a relatively stable job and income, it is not difficult for some of them to take out loans to buy more housing.
Second, the economic conditions of civil servants' families are relatively superior. Parents hope that their children can be admitted to the civil service, have a stable job and income, and start a family early in the future. As a result, many parents of civil servants buy property for their children in advance.
It is worth noting that if civil servants want to buy a house, the down payment will be paid by their parents, and civil servants themselves will slowly pay off their mortgages over the next few decades, so the pressure to repay the loan is much less than that of ordinary citizens. It is important to recognize that ordinary people also have to worry about possible future income loss or job losses, while civil servants do not have to worry about these.
Third, civil servants generally find someone who works within the system, so that both husband and wife have a more stable job and income. If a civil servant wants to buy a house, as long as he pays a down payment, one person's salary is used for daily expenses, and the other's salary is used to repay the loan every month, so the pressure on life will not be too great.
In addition, if both husband and wife are civil servants, once the man has purchased a property in his own name, the woman will also have a stable job and will also have access to social security, which will allow her to take out a loan and reinvest in another property. Therefore, if both spouses are civil servants, it is very likely that they will own more than one property.
Now, many netizens are asking, why do so many people have several apartments at home with a salary of only 4,000 euros? Actually, this question is not difficult to answer. At first glance, the basic salary of civil servants is not high, but with various allowances, performance bonuses, etc., the salary income of local civil servants should be considered a relatively good level.
What's more. Civil servants can use CPF incentives to buy a house, and with a stable job, there is much less pressure to buy a house than the average family. In addition, many civil servants also come from wealthy families, and it is not surprising if you add that both husband and wife are civil servants, owning multiple properties.