asked: I is institutions work of one 26 years female, income situation following: months wage 2,300 yuan around (deduction Provident Fund 740 Yuan, other pension, and unemployment gold, and medical expenses, hand 1000 Yuan around), months bonus hand 2,300 yuan around, year-end award hand 16,800 Yuan around, usually holiday overtime or Festival welfare a years hand 3,000 yuan around, Bank regularly deposits 30,000 yuan, demand 10,000 yuan. Expenditure: serious illness insurance + bonus insurance + insurance year around 8,000 yuan apiece (payment by parents and dividends), a set of 141 square metres of housing, mortgage month for around $ 2,500, there are 29 years (parents subsidized $ 1000 + per month on my housing Provident Fund $ 1480 almost exactly). Current plan: 1. mortgage interest rates rising, or prepayment? loans that is matching the principal and interest. 2. If you do not repay bank deposits exists, or is there better and stable investment? there is no contact with and shares of the Fund.
a: Judging from the customer's assets and liabilities, customers are about actual salary plus bonus income about $ 3,300 per month, annual revenue of about $ 60,000, month spending among mortgage this has been borne by the parents, the rest should only have their daily expenses, pressure. Consider to currently inflation pressure larger, recommendations customer temporarily first not ahead of repayment, existing of regularly and demand, can consider some Bank of short-term financial products, comparison sound, expected income also than with grade regularly high; while, to meet temporary funds demand, recommendations prepared 3-6 months expenditures amount of demand savings; for monthly of balances, recommendations customer can consider Fund will cast, monthly regularly inputs 500 Yuan around, effective assessed contributions thin cost of while can get excess of income.
