What kind of family can come up with 400,000 cash at once? Here comes the answer

In our country, most people's living habits are to store their spare money in the bank, and other countries prevail in the advanced consumption thinking, our residents are more keen to save money, which is why China has the title of "saving power" all year round.

And in our country, families who can have such a deposit figure can already be regarded as wealthy families. So have our residents really reached this level? What kind of family in my country can give 400,000 cash at one time? Let's find out!

1. Not all Chinese people with a high sense of saving are rich.

For the people at the bottom, the purpose of saving is nothing more than that, or to deal with future emergencies; Either for the education of children or for marriage and children; Either buy a house or a car; Either you want to get a little bit of income from idle funds;

However, the amount of these savings is not too large, and the savings amount will not stay for a long time, and the savings amount will be used at some stage in the future according to the purpose. In addition, the level of deposits will not be too high, at least the level will not exceed 500,000 yuan. Why?

According to relevant data, in China, the deposit of more than 500,000 yuan will not exceed 9963%。From this point of view, there will be no more than 1% of people in China who have a lot of wealth, that is to say, no more than 1% of people who can take out 400,000 cash at one time, and the money and savings that ordinary people can have are very, very small.

2. Real estate is the main wealth allocation of most Chinese people.

In addition, in the past few decades, the prevalence of the property market economy has made the vast majority of families participate in the property market economy. As housing prices are getting higher day by day, Chinese people are choosing to exchange their savings for real estate. Although the value of the property is constantly increasing, this has not made ordinary people prosperous, because the meaning of the house itself is reluctant to sell for residents who only have one property in their hands, and there are still decades of loans to be repaid.

And in the market, there are 415% of families own two properties, and it stands to reason that they only need to sell the excess property in their hands and easily come up with 400,000 yuan in cash. However, with the development and saturation of the market and the reduction of economic efficiency, fewer and fewer people are willing to buy a house, which makes it difficult to realize real estate today.

3. What kind of family can take out 400,000 cash at one time?

The higher the disposable income of the family, the higher the probability that the family can come up with 400,000 cash. At the same time, families who have good planning for their family finances and have a habit of forced savings. It's one thing to be able to make money, it's another thing to be able to take care of your finances. For people who don't have a financial plan, they will be very lenient in their spending habits. Therefore, for this part of the family, except for the necessary expenses, the remaining money is basically used for savings and investment. For example, with the help of banks, ** bonds or foreign trade economic distribution, 30-day 1% sharing and other directions, diversified allocation is carried out to help increase family income.

In general, although the current level of savings in our country is very high, starting from the actual life of ordinary people, there are very few families who can take out 400,000 cash at one time. What do you think about this?