Is an annual income of 500,000 middle class?

Forbes 20 15 White Paper defines the middle class in China as an investable asset of 600,000 RMB to 6 million RMB (about 1 10,000 USD ~ 1 10,000 USD).

The Economist magazine: the group with annual household income1.1.5,000 to 43,000 dollars, that is, the group with annual household income between 80,000 and 300,000 yuan. There are 225 million middle-class people in China, who are the most anxious people in the world at present.

Extended reading:

What kind of life does the "middle class" of 65438+ 10,000-500,000 live?

First-tier cities:

The annual family income is 300,000 yuan: there are only a few thousand yuan left in Cary, and there are many troubles every day.

Mr. Xu is 40 years old and works in a media in Beijing. Mr Xu and his wife came to Beijing from Henan very early. At present, their family income exceeds 300,000. But his life is far from the ideal life of the middle class, and the mortgage and children's schooling have brought him great pressure.

Mr Xu's family has a daughter who goes to primary school. Around 20 10, Mr. Xu bought a house in Beijing and borrowed more than 2 million from relatives and friends for the down payment. Now we have to pay back more than 65438+ 10,000 yuan to our relatives and friends every year. Before the mortgage, it was more than 9,000 yuan per month, and now it is more than 1 0000 yuan. This is a big expense.

"When children go to primary school, it doesn't cost much to study, but they have to enroll in music classes, calligraphy classes and Chinese painting classes every year, 70,000 to 80,000." Mr. Xu said that the elderly at home are also older. Every year, the elderly have to spend money to see a doctor, ranging from 65,438+10,000 to 20,000.

"Maybe you don't believe me. I only have a few thousand dollars in my card now, so I have no money to travel. You see, I'm preoccupied every day. What is the middle class? " Mr. Xu said.

Singles earn 500 thousand a year, and their income is easily affected by house prices.

Flying is always the male god of the king. Mr. Fei was born in 1990. /kloc-was admitted to a famous university in China at the age of 0/6, and graduated with a master's degree in 20 12. After working in an enterprise in Beijing for three years, I chose to jump into a foreign-funded Internet enterprise with an annual salary of 500,000 before tax. In the eyes of relatives and friends, Fei's income is not low, but Fei himself does not think it is middle class.

"These incomes are easily affected by house prices," said General Fei.

"I missed the best time to buy a house. I wanted to earn enough down payment by working on my own, but the income growth couldn't keep up with the rise in house prices. " In the first half of 20 14, Mr. Fei missed an opportunity to buy a house.

Since then, he has been busy with work and job-hopping, thinking that house prices have temporarily stabilized. 20 16 before and after the Spring Festival, he felt the pressure of soaring house prices just after three months of job hopping, and everyone was talking about the house. At this time, he also joined the army of looking at houses with an annual salary of 300,000. However, the total price of the houses that can be seen is basically above 4 million.

After working for five years, Mr. Fei finally saved 6.5438+0 million yuan, but the money was not enough for the down payment. After a period of struggle, he simply chose a chic life, going abroad at least twice a year, investing in himself, preparing to go to business school for further study this year, seriously falling in love, and buying a house when the time is right.

"I didn't buy a house before. First, ordinary families can't help me. The stable income within the system has not yet saved enough down payment; On the other hand, it was mainly because the idea at that time was that I didn't want to be a house slave and was prepared to experience more. " Fei is finally the most enlightened person Wang has ever met.

Another friend of Wang's, with an annual salary of 350,000 before tax, is full of anxiety. He felt that there was not enough money. He rents a house in Haidian, about 4000 yuan a month, plus other expenses, he will travel once a year. Although he can still save money every month, he is very insecure.

"But there is no house, no place to live, and no enough sense of security. Can I become a middle class? "

Second-tier cities:

The annual income is 654.38+ million+,and there is almost no surplus to maintain food and clothing.

First-tier cities are under great pressure, thinking that second-tier cities will be fine? Let's take a look at the self-reports of compatriots in second-tier cities:

Xi Anren: The annual salary is more than 8,000 yuan, and the annual salary is 65,438+10,000 yuan.

At present, the average price of second-hand houses in Xi 'an is 8867 yuan per square meter, and the average price of new houses is 8000 yuan to 9000 yuan. The monthly mortgage is about 2,000 yuan, the living expenses 1500 yuan to 2,000 yuan, the car maintenance 1500 yuan, all kinds of expenses, almost no surplus.

No mortgage, no car loan, no pressure in life. The annual salary of 6,543,800+is not middle class in Xi 'an, but 300,000 can be counted as middle class. 500 thousand can live a better life

Changsha people: the monthly salary is 8,000 yuan+,and the annual salary is 65,438+10,000 yuan.

The price of second-hand houses in Changsha is about 8900 yuan per square meter. Rent a house in Changsha, monthly 1500 yuan. Transportation expenses in 300 yuan, entertainment in 300 yuan, buying clothes in 300 yuan every month (not every month), car maintenance expenses 1500 yuan to 2000 yuan.

The annual income is 654.38+million, and there is no problem with food and clothing, but there is not much wealth. What is your annual income? Are you happier living in Changsha? I think at least 500 thousand.

Zhengzhou people: the annual income is 654.38+ million+,and the annual savings is 30,000 to 50,000.

Wang's cousin works in Zhengzhou with an annual income of 65,438+10,000 yuan. On hearing "is it middle class?" What kind of life do you live? " Cousin settled an account with Wang (id:banglicai) in one breath:

Four-line small counties:

To earn 65438+ million+,take less than four days off every month.

With an annual salary of 65438+ million+,you should have a good life in a small fourth-tier county, right? Wang went to a fourth-tier county in Henan to chat with his cousin.

Cousin is doing real estate sales in her hometown. 1 monthly salary 1 10,000, which is a high-income group in her hometown county. She is "someone else's child" in the eyes of relatives and friends.

"Cousin, you are the middle class in our hometown."

Cousin laughed: "I spend a lot of money every month now." In addition to visiting parents every month, I have to give pocket money to my two children at home. I usually need to spend money on food, housing and transportation. " In order to reward the staff of the team, I am the supervisor and often invite my colleagues to dinner. "

The monthly salary is more than 65438+100000, which is higher than the average salary in the county, and it also means taking on higher intensity pressure.

May Day is the peak season for sales, with large passenger flow but few employees. My cousin has hardly eaten a normal meal. "Breakfast at seven or eight o'clock can be used as lunch. I am getting farther and farther away from some good friends around me. They usually have time to play mahjong and go shopping. It's good for me to rest for three or four days a month. I just want to sleep and spend time with my children. "

My cousin also plans to save money to buy a house this year. "According to the internal price of the company, the down payment is about 6.5438+0.3 million. I borrowed less. According to the longest term mortgage, I may need to pay back about 654.38+0.800 per month, which is barely enough. Just push yourself a little and save a little every month. "

"The middle class has at least a house and a car, and can have their own time to relax every week." Cousin said.

The key word that the middle class can't avoid-house

As Zhihu mentioned in his first answer, the problem of "per capita living area". Nowadays, in the face of high housing prices, real estate has become an important standard to measure the middle class.

Zong Houqing, chairman of Wahaha Group, said in an interview on 20 13 that once the housing problem is solved and the annual income is 200,000 yuan, it can be regarded as the middle class in China. But now you can't afford a house in a big city. So the housing problem is solved, and 200 thousand is the middle class. Now, don't say you can't afford to buy or rent.

Su Hainan, director of the Labor Wage Research Institute of the Ministry of Labor and Social Security, said earlier that from the national level, in 20 13 years, workers with annual personal income of 60,000-1.5 million yuan or family income of 85,000-225,000 yuan can be considered as having entered the middle class.

In the north, Guangzhou and Shenzhen, the income must reach twice the national average, that is, individuals are between 20/kloc-0.20 million and 300 thousand yuan or families are between/kloc-0.70 million and 450 thousand yuan, which basically solves the housing problem. Those with certain financial assets can be called middle class locally.

Are you a middle-class person with quality of life? Or is it a "pseudo-middle class" deep inside?