[Korea sinyuncheol financial newspaper reporter] the results of the survey million people economically active population of normal people showed order to buy a 600 million dollar 32-pyeong apartment in Seoul also brings together the monthly income spent an average of 11 years. Shinhan Bank has published a 'normal people living financial report, containing this information through questionnaires target 1 million people labor force survey.
◇ real estate becomes difficult to arrange on their own
Assuming that all of the savings month without spending an average total household income (468 million) were investigated in order to buy a 32-pyeong apartment for 600 million won in Seoul, it takes an average of 10.9 years. Real estate income and price are all geolrineunde be maintained with the current level of more than 10 years, it seems not total household income is the highest over 50 easy to prepare on their own when the real estate is also seen that it takes 9.4 years (May total household income 5.39 million won).
In addition, since 2010 when the first real estate purchase price is 3.2 times larger by an average of 171.17 million won (local, independent real estate types) of respondents had purchased the first property purchase price of the previous 1990 to 52.72 million won. 10 years ago, and even the 2000s, and serves as one of the factors, the difference is about 1.5 times or slow the purchase of real estate by age group. 1990's first real estate purchase age is 29 years old yeoteuna 6 years appear delayed vertical than the current average of 35.
On the other hand the question of future intent to purchase real estate, the answer was yes 72% of all respondents the highest age was 30. However, as only 43.5% of the purchase of real estate uihyangja consider purchasing real estate within three years, or more than half have no specific plans. As a way to cover the cost of purchasing real estate loans are provided by the existing makin it has found that writing with a financial asset ratio of 18.3% also appeared to expect the parents / friends assist force of the financial institutions and the real estate suggests the difficulty.
◇ 20 Name 1 to 3 of them student loan is the first cause of
The average age used the first loan is 32.8 years old and 35.4% of the loans was experienced research have received an average of 12.97 million won less than 20. Fold and listen to full-fledged economic life of 30 to start receiving the first loan amount is 2.9 times the average loan amount of 20 to 37.79 million won. In the first age group use the loan product and intended use was highest in the 32.5% utilization rate student loans in their 20s, 30s used for real estate loans increased to 52.8% raise this much. What is long-term real estate loans are expected to have an impact on the household economy as a concept that includes mortgages, etc. I / rent an apartment loan, such as considering the fact that most goods repayment term.
◇ Seven of the '10 people currently holding the debt, the average debt balance reserves of 50.66 million won debt households'
There are 72.7% of all respondents held debt, assets and debt appeared to be proportional. 20 groups, particularly unmarried and married shortly after the 20-40 total household assets in times of married group suggests that a 3.5-fold growth and rising debt on a large scale, even four times bigger, assets and liabilities associated. It occupies a large portion of real estate assets in the asset is estimated to be because it is closely related to leverage loans. Even if the average monthly debt repayments to repay each month (77 million) the amount of such reimbursement is to take 5.5 years to complete. From student loans to spend your situation, such as marriage, the purchase of real estate, education and child birth, child marriage occurs constantly throughout life, so seems necessary household financial management considering it.
◇ 'one months ₩ 100,000 savings rate of 5.4%, not the entire household furniture 1 10 deficits ₩ 1,610,000
The rate of saving 100 to 200 million won one months the higher to 30.6% and 5.4% of the respondents are in situations that do not 100,000 won also save a month, a trend that increased with age rate savings potential answered not at all . If you are 94.2% of households have no savings potential liabilities held an average debt balance showed a 64.45 million won. And a quarter of the households indicate a willingness to receive a loan within one year of re-securing funds for savings is expected to be more difficult. In addition, issues of potential savings considering the fact that life is getting even longer after retirement is likely to lead to a financial burden at the time of retirement / old age.
◇ married my wedding and experience of the average amount spent 'three-year ₩ 91,050,000
The average marriage age has been delayed for more than five years than the past 30 years, the last capital of the average married married married within three years was found to be 91.05 million won. Burdensome wedding preparations item 1 priority is to raise funds Housing Marriage (37.1%) was mainly utilized to support parents / relatives and your financial assets are held. Or use the loan rate was also 25.2%. Marriage raise funds in the parent entry that child marriage was not an easy assignment. Support up to more than 110 million won, depending on income levels for children married and 47.6% of respondents supported a child of the marriage to take advantage of one out of every five loans for financing was expected to flock to retirement.
Psychological burden, while increasing the social advance of women at higher ages is intensifying bihon intention of saving this woman's wedding capital increase in accordance with the purpose of marriage expenses were reduced accordingly.
◇ ' godeungsaeng of average education is ₩ 790,000 for households with children spent 14.1% of their income
godeungsaeng of households with a child is spending an average of ₩ 790,000 children with education showed a greater burden in proportion to education similar to the 20% share in May consumer price regardless of income level. In particular, among low-income households with children godeungsaeng's monthly spending exceeds the up to 58 million yuan, is placed on the economy, mainly to cover the shortfall, including microfinance.
◇ 65.3% of the 'dual-income married is
Oebeol this furniture is 34.7% of married households, dual-income households are identified, more than half of all married with two dual-income households to 65.3% in the economic activity and households. 20 The double-income households has been reduced to 70.2% Since 30 increased 77.8% or childbirth and parenting ratio and the higher the age range dual-income ratio decreased slightly, but at least at least 50 dual-income ratio shows about 60% majority of the dual-income It is shown to the.
It can be seen that by connecting as a reduction in dual-income households in 30 oebeol look at 30 Furniture for a ratio of households by income activities for women is reduced to about half that affect women's economic activities in accordance with the child's birth.
Dual-income household survey held by revisiting oebeol consumption is relatively low compared to households and surplus funds are more than three times higher. But look at the total assets will increase jimyeonseo ages oebeol reversal of the total assets of the dual-income household furniture.
◇ 3 of the '10 and people were not saving for retirement.
The aging society is entering a big issue, but still substantial retirement preparation is an insufficient level. In particular, there is a psychological distance, the lower the retirement age for many people who do not prepare for retirement savings funds, according to a regular savings income has Nago differ by more than 2x. Respondents aged can be procured, but recognizes that require monthly 2.5 million won, (67.6% of the necessary living expenses) May require funding than ₩ 810,000 scant 1.69 million won if you maintain your current savings / investment level for retirement after retirement it seems to need a great deal of effort to prepare.
◇ 'rent / half-chartered housing burden is applied to one single large sphere
Actively look at the economic situation of the economy and the single person household in (if there is no marriage experience, except who divorced / widowed), male proportion of single person households is high and 14.4% p than women, with a mean age of 35.5 years to be. Is Ward 1 single month total income of the total assets of 100 002 583 ₩ 2,910,000 million yuan, its real estate assets (including self and I / rent deposit) also showed that real estate assets are 71.05 million won to account for a large proportion. Single person households are expected to have if you live in rent / charter a half times more than the total 1.8 Single family housing is much greater burden of monthly spending.
And one single-person households is higher than the total unmarried worries about the economic difficulties, on the contrary intention appears in new savings next year is shown that the low psychological room for their economic lives less.
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