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上海男手握资产约50万 如何结婚生小孩5年内买房

文章来源:新华网
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发布时间:2013-12-25 16:00:41
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【案例】

财迷团网友汤先生,家住上海,有一套自住房。股基债基账面价值6.5万元,理财产品19万元,P2P小贷资产16万元,货币基金总额3.2万。未来一年准备结婚,两年内要小孩。想知道5年内,想在上海投资一套房产,用于出租生息,是否可行?

【理财规划】

债券价格与市场利率负相关,当存、贷款基准利率或银行间拆借利率上升时,在相关时点可以减少资产中债券基金的配置比例。当前P2P小额贷款收益率较高,但风险更高,建议将此类资金转换为风险相对较低的银行理财产品。这部分资金和现有的19万理财产品可以覆盖未来结婚、生子的资金需求。

目前购买第二套住房贷款首付比例高达70%,贷款利率在基准利率的基础上上浮10%,所以考虑到汤先生未来结婚、生子以及现有房贷的花费,在五年内凑足首付的难度较大。目前住宅市场的租金回报率处于较低水平,上海、北京等一线城市问题更加突出,目前投资住宅用于出租生息也不是一个合适的决定。

指导专家:中国银行北京朝阳公园南路支行理财经理辛磊

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