What are the general family conditions like?

What are the general family conditions like?

What are the general family conditions? Many people in life can't tell whether their family conditions are good or not at a glance, but in fact, it's not difficult to find that people with good and bad families are very different in temperament and behavior. The quality of family background permeates every corner of people's lives. Let's take a concrete look at what family conditions are generally like.

What are the general family conditions? 1 family conditions generally mean that income can maintain the normal expenses of the family and save a little money.

Family conditions refer to various factors within the family that affect children's socialization. Generally speaking, under the background of the same social conditions, different family conditions play a decisive role in the different development directions and degrees of children's personality, psychological characteristics, intelligence and morality. Family conditions generally include: the material and spiritual living conditions of the family and its members; The atmosphere of family relations.

World outlook, outlook on life and morality of family members and their active participation in social activities; Lifestyle of family members. Among these conditions, parents' cultural literacy, the close relationship between parents and children, parents' educational methods and prestige, and development materials (including books and intellectual toys, etc.). ) and the living conditions are particularly prominent.

Conditions of wealthy families

Condition 1: The property owned by family wealth is worth more than 800,000 yuan.

It is obviously unwise to deposit all your savings in the bank. Although the dividend period of real estate has passed, investing in real estate is obviously the choice for most people to fight inflation.

According to the relevant standards, owning a property of about 800,000 yuan is only the average level. However, according to the data provided by the central bank, the average value of real estate owned by urban families in China has reached 265,438+10,000, and 800,000 are below the level of real estate ownership.

Condition 2: The household cash deposit reaches 732,000 yuan.

According to the data provided by China Academy of Social Sciences, the per capita wealth of China is currently 363,000 yuan. If the husband and wife form a family, the standard of wealth will be that the two add up to 736 thousand yuan. Of course, this is only the average.

What are the general family conditions? 2 How much wealth does it take to be a well-off family?

There are many ways to pursue wealth. Some people work for others to make money by physical and mental knowledge, some people start businesses as bosses to make money by being bold and cautious, and some people invest in Qian Shengqian to make money. Especially with the improvement of the education level of ordinary people in China, making money by investing has become a recognized way for many people to make a lot of money. To say that in the past 20 years, what made the most money by investing, many people will answer that it is investing in real estate.

Indeed, in the past 20 years, housing prices in China have continued to rise generally, and many people have made a lot of money by investing in real estate speculation, and even achieved wealth freedom. For example, in 2000, the national average house price was only 2000 yuan/square meter, while in 2002 1 year, the national average house price exceeded110,000 yuan. Although the house price has declined in recent two years, it is still around 9,500 yuan/square meter, which means that the house price in China has nearly quintupled in just 20 years.

Moreover, this is the average house price. In first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen, house prices have risen tenfold or even dozens of times. Therefore, many people who bought a house early have increased their wealth, and many people who didn't buy a house feel very sorry.

In today's high housing prices, it is an unavoidable topic to judge whether a family is rich or not and whether it can realize a well-off life. So what kind of family is well-off and rich? For this problem, experts say that there are four conditions to measure whether a wealthy family is rich, and one of them is a wealthy family.

First, there is a complete house in the city.

Although the housing prices in many cities have declined in the past two years, the housing prices in China are still at a high level, and it is still very difficult to just buy a house. According to relevant data, by 202 1, the average ratio of house price to income in China will reach 9.2, and the ratio of house price to income in the top 50 cities will reach 13.3, which means that a young man wants to buy a house in a city, even in an ordinary city, he will have to eat or drink for about 9 years to achieve his goal.

So most young people can't buy a house in the city by themselves. Many young people want to buy a house by emptying their savings at home and overdrawing their income for the next 30 years, so they can barely afford to buy a house. Therefore, many people who just need to buy a house in the city are still struggling, and they have to choose to reduce their quality of life in order to buy a house. But if you can have a full house in the city, you can completely avoid the above things, and you don't have to pay the down payment, let alone worry about the monthly mortgage.

So for young people who have a complete house in the city, it can be said that the pressure of life will be much less. When most people are still struggling for down payment and monthly payment, these people may have been living for their ideals and dreams. So it can be said that in cities, especially some first-and second-tier cities, we can have a complete house. Basically, it can be said that the living conditions have surpassed most people, and it is a real well-off life.

Second: a house with a mortgage loan, but the proportion of mortgage income does not exceed 50%.

In today's high housing prices, it is difficult for most families to buy a house in full, and even if they can, they will not put all their funds into buying a house. Therefore, for most people who just need it, the way to buy a house is to buy a house with a loan.

The author believes that if you want to really take root in the city, you still have to have a house of your own in the city. Because only by living in your own house can you feel more secure and belong, and the quality of life can really be improved. However, to become a well-off family, we should not affect the existing quality of life too much because of buying a house. For example, a friend of mine has a monthly salary of 6000 yuan, but her monthly payment has reached 5000 yuan. Buying a house has seriously affected his normal life.

In order to pay the mortgage every month, he has to live a frugal life, even if he lives in his own house, he is not rich. The author believes that if a family is relatively rich, it can have a house with a mortgage loan, but the monthly mortgage income must be below 50%, so it is easier to repay the loan every month, without too much pressure, and it will not have too much impact on your life because of the monthly mortgage repayment. Therefore, if you have a house with a mortgage, families with a mortgage income ratio of less than 50% can also be considered rich.

Third: families with a monthly income of more than 20,000.

If assets such as real estate and cash are compared to water in a swimming pool, then income is the faucet that fills the swimming pool. If there is no faucet to fill the swimming pool, even if there is more water in the swimming pool, there will be a dry day. Therefore, for a family, the amount of income is also an important criterion to measure whether a family is rich or not.

So how much does a family earn to be a rich family? According to relevant data, a family with an income of more than 20,000 is considered a wealthy family. Why do you say that? According to the salary data of Zhaopin.com, among the positions offered by Zhaopin.com in 202 1, the positions with a monthly salary of 10000 yuan only account for 3% of all positions. In other words, if your income can exceed 10,000 yuan, it has basically exceeded the income of 97% people.

If the average income of husband and wife in a family exceeds 10 thousand, then the income of this family exceeds that of most families. For such families, even if there are no assets such as houses and cash at home, they will have them after several years of struggle. Therefore, for families with a monthly income of more than 20,000, even if they are not rich now, they can become rich families through several years of efforts.

Fourth, a family in the countryside built their own house with 300,000 savings.

Because the consumption level in rural areas is relatively low and it is difficult to accumulate funds, the standard of whether rural areas are rich or not is also relatively low. In rural areas, every family has a homestead, and building a two-story building on the homestead is about 300 thousand, which is much lower than the price of buying a house in the city. If you can have a self-built house, you don't have to worry about the housing problem of the family.

In addition, the consumption level of rural life is relatively low, and there is no high consumption of urban life. Besides buying some necessities, there is not much expenditure. According to online statistics, if the average rural family can spend 30 thousand a year, it is already a high-consumption family.

The living expenses of some poor rural families may only be more than 10 thousand. Therefore, if you can have a deposit of 300,000 yuan in the countryside, it is basically a huge sum of money, and you will have a basic life in 10 years. Therefore, in rural areas, if a family can have a self-built house and another 300,000 deposits, it is already a very rich family.

What are the general family conditions? 3 the child's family situation can't be hidden, and several performances are undoubtedly exposed.

1, dress up

Generally speaking, the clothes of children with poor economic conditions are single and old, and they wear several sets. Parents pay attention to the comfort and warmth of clothes, and children grow up faster. Parents with poor economic conditions think it is unnecessary to buy too many clothes, and their children don't understand fashion. Just wear clean and decent clothes. Children with a good family may have more fashionable clothes and better texture, and often change clothes.

Of course, dressing is not an absolute standard, and it varies from person to person, which is also related to whether parents spend time and money on their children's external image.

2. Words and deeds

As the saying goes, children from poor families take charge early, and their daily behaviors are more independent and steady, while children from rich families may be more dependent and appear arrogant. In addition, a child's words and thoughts can also reflect the quality of his family, which is mainly related to his knowledge and experience. If children often talk about trendy and fresh things and have their own unique opinions, they may be influenced by their parents, and may be exposed to more advanced and comprehensive things and see more of the world.

3. Personality and social interaction

Children from poor families can easily be instilled with the concept of "poor family" by their parents. Such children will feel inferior, dare not take the initiative to ask for what they like, and even feel that they don't deserve to have valuables beyond their ability. They are especially polite to others for fear of ingratitude. They are very concerned about what others think of them, and it is easy to get angry because of a joke blurted out by others, thinking that others are refracting themselves.

Wealthy and grown-up children are extroverted and cheerful, very talkative, more confident socially, more active and talented in character, and willing to show themselves in front of everyone.

Most families follow the principle of "raising children in poverty and raising women in wealth", but most parents have misunderstandings about the concepts of "poor support" and "rich support", and it is undoubtedly one-sided to divide them only by material.