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上海千万富翁也挣扎在温饱线上

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分类:六哥SEO/站长新闻/




最近,一位同事正在为儿子幼升小的事,焦头烂额,他说感觉特别的无力和无助,虽然自己身价千万,但在上海,其实是活在社会的底层。

Recently, a colleague was worried about his son's upbringing. He said he felt particularly powerless and helpless. Although he was worth tens of millions of dollars, he actually lived at the bottom of society in Shanghai.

01、被学区房击垮

01. Being knocked down by the school district


这位同事,36岁,当年以张家港高考状元的身份考进上海交大。2008年,在双方父母资助下首付60万贷款120万在上海老静安黄金地段购买了一套老破大电梯房,一家五口三代同堂居住至今,目前房产市值约950万。他家庭年收入大概30多万,贷款已经还清。

This colleague, 36 years old, was admitted to Shanghai Jiaotong University as the top student in Zhangjiagang College Entrance Examination. In 2008, with the help of parents, a down payment of 600,000 loans, 1.2 million yuan, purchased an old and dilapidated elevator house in the golden section of LaoJing'an, Shanghai. A family of five people and three generations live together, and the current market value of real estate is about 9.5 million. His family's annual income is about 300,000 yuan, and the loan has been repaid.

他儿子后年就要上小学,作为曾经的学霸,他不想孩子进菜场小学,一开始就输在起跑线上,一代不如一代。他看中的是老静安第一梯队的静教附校,九年一贯制学校,努力一把,一劳永逸,将来可以省去小升初的麻烦。

His son will go to elementary school the next year. As a former hegemony, he did not want his children to go to vegetable farm elementary school. At the beginning, he lost in the starting line. The generation is inferior to the generation. What he sees is LaoJing'an's first echelon school attached to Jing'an, a nine-year school with a consistent system, which can save the trouble of elementary school in the future by working hard once and for all.

静教附校对口的学区房海防村,目前总价最便宜的是一套27.5平的一室户老破小,610万,单价22万/平。

Fang Haifang Village, a school district opposite Jing Jiao School, is currently the cheapest one-room household with a total price of 27.5 square meters, 6.1 million and a unit price of 220,000 per square meter.

由于他有过贷款记录,所以,买这套学区房必须首付70%,再加上税费,最少需要450万现金。这笔钱对他来说就是天文数字,只有卖掉现在的自住房置换学区房这一条路可走。

Because he had a loan record, he had to pay 70% down for the school district house, plus taxes and fees, which required at least 4.5 million cash. The money was astronomical for him, and the only way to go was to sell his own house and replace it with a school district house.

最近,他来找我让我帮他全程把关。他的换房计划如下:卖掉950万的唯一自住房,买进610万27.5平的学区房挂户口然后出租,扣除租金后月供大概还有1.2万,除去月供和生活开销后,每月应该可以还有几千元积蓄。剩下的钱买一套60平的两室一厅老破小,全家三代五口人挤一挤。由于老人要接送孩子,所以必须和他们一起住。老婆不能接受生活水准越过越糟,为了学区房,夫妻两人矛盾数次激化。

Recently, he came to me and asked me to help him with the whole process. His plan is as follows: sell 9.5 million of the only self-housing, buy 6.1 million 27.5 square meters of School District Housing registered and rent, after deducting rent, the monthly supply will be about 12,000 yuan. After deducting monthly supply and living expenses, it should be possible to save several thousand yuan a month. The rest of the money is for a 60-flat two-room, one-hall old and shabby, crowded family of three generations and five people. Because the old people have to pick up the children, they have to live with them. Wife can't accept that the living standard is getting worse and worse. For the school district, the contradiction between husband and wife has intensified several times.

原本他们家的人均住房建筑面积是20平米,远未达到上海37平米的平均水平,现在为了孩子的前途,置换学区房后,一朝回到解放前,等待他们的将是人均12平米的蜗居生活。

Originally, the per capita housing construction area of their family was 20 square meters, far from reaching the average level of 37 square meters in Shanghai. Now, for the future of their children, after replacing the school buildings, once they return to the pre-liberation period, they will be waiting for their life of 12 square meters per capita.

听了他的周密计划后,我无力反驳。我为他的勇气感慨,我为他的悲惨无奈,为他看透这个社会的本质后,还能不懈努力和挣扎而感动不已。

After listening to his careful plan, I couldn't refute it. I deplore his courage, I am deeply moved by his misery and helplessness, and his unremitting efforts and struggles after he has seen through the essence of this society.

这就是生活在中国一线城市上海的一位普普通通的千万富翁的悲惨生活!

This is the miserable life of an ordinary multimillionaire living in Shanghai, a first-tier city in China.

02、贫下中农

02. Poor and lower middle peasants


80年代,万元户是人中龙凤,有女必嫁。

In the 1980s, ten thousand yuan of households were the dragons and phoenixes among the people, and women were bound to marry.

2000年,丈母娘要求是,有房有车,无贷无娘。

In 2000, my mother-in-law asked for a house, a car and a mother-in-law.

现在,选女婿最好是他有一个亿的小目标,千万资产已经相当于贫下中农。

Now, the best way to choose a son-in-law is to have a small target of 100 million yuan, which is equivalent to the poor middle peasants.

在上海市区,地段尚可、品质尚可的房子单价基本在10万左右,市中心的非学区老破小最低也要7万起步。1000万,也只不过是一套还算体面并不寒酸的普通住房而已。

In the urban area of Shanghai, the unit price of a house with good location and quality is about 100,000, and the lowest price of a dilapidated non-school District in the city centre is 70,000. Ten million, but also just a decent and not shabby ordinary housing.

上海的生活品质和生活舒适度,其实远远低于二线城市。因为决定生活质量的因素,比如工资收入、商业繁荣度、交通便利性、环境舒适性,上海相较于二线城市根本没有优势。收入比二线多一半,房价却是二线的5倍。

In fact, the quality of life and comfort of Shanghai is far lower than that of the second-tier cities. Because of the factors that determine the quality of life, such as wages, business prosperity, transportation convenience and environmental comfort, Shanghai has no advantage over the second-tier cities at all. Income is more than half that of the second tier, but house prices are five times that of the second tier.

我的一位大学同学在上海生活了7年之后,举家搬迁至重庆,2015年在重庆观音桥用220万购买了一套260 平米的三层复式,还带50平的露台养鱼种树。去年他回上海出差,再次看到当年他无限仰慕却又买不起的小区时瞬间嗤之以鼻,他说这种品质的房子在重庆根本没人买。

After living in Shanghai for seven years, one of my college classmates moved to Chongqing. In 2015, with 2.2 million yuan in Guanyin Bridge, Chongqing, he bought a 260-square-meter triple-storey duplex and brought 50-flat terraces for fish and tree cultivation. Last year, when he returned to Shanghai on business, he once again scoffed when he saw the small community he admired so much but could not afford. He said that no one in Chongqing had ever bought a house of this quality.

在上海,这些所谓的千万富翁们,生活精打细算,不敢奢靡浪费。能在家吃,绝不下馆子,能自己做,绝不点外卖。任何的开销,都会在潜意识里迅速换算成月供的几分之一。礼尚往来,能躲则躲。你结婚,我恭喜你,但你最好别来给我发邀请。你孩子百天,我祝福你,但你最好事后再来告诉我。别说财务自由,就是菜场自由、水果摊自由都远未达到。看看一盒一百块的车厘子,最后还是会选择一袋十块的小桔子。

In Shanghai, these so-called multi-millionaires live carefully and dare not waste extravagantly. You can eat at home, you can never eat in restaurants, you can make it yourself, you can never order takeout. Any expenditure is quickly converted into a fraction of the monthly supply subconsciously. When courtesy is reciprocal, if you can hide, you can hide. I congratulate you on your marriage, but you'd better not invite me. I wish you well, but you'd better tell me later. Not to mention financial freedom, the freedom of vegetable farms and fruit stalls are far from being achieved. Look at a box of 100 pieces of Cheli, and finally choose a bag of 10 pieces of small oranges.

在上海,这些所谓的千万富翁们,上班兢兢业业,生怕被老板炒鱿鱼,挣钱还贷、攒钱买房。他们永远在奔波,永远在忙碌,他们能够坚持下去的唯一动力就是,尽自己最大的努力让孩子将来不用再买房。

In Shanghai, these so-called multi-millionaires work conscientiously for fear of being fired by their bosses, making money to repay loans and saving money to buy houses. They are always busy and busy. The only motivation for them to keep going is to try their best to keep their children from buying houses in the future.

如果你在上海,碰到一个千万富翁,请别仰慕他,更别嘲笑他,请发自肺腑的好好安慰他、同情他。

If you meet a multimillionaire in Shanghai, please don't admire him, don't laugh at him, please comfort him from the heart and sympathize with him.

在上海,所谓的千万富翁,其实都是生活质量毫无提高的“被富翁”,可悲的是,他们住在1000万的房子里,却依然过着穷人的生活!

In Shanghai, the so-called multimillionaires are actually "rich people" whose quality of life has not improved. Sadly, they live in 10 million houses, but still live a poor life!

03、温饱线

03. Food and clothing line


在上海,生活水准不是由收入决定的,而是由房子数量决定的,因为,在房价面前,收入根本微不足道。房子比孩子多,是混在上海永恒的追求!

In Shanghai, the standard of living is not determined by income, but by the number of houses, because in the face of housing prices, income is insignificant. There are more houses than children, which is the eternal pursuit in Shanghai.

上海土著家庭,在双方父母都有住房的前提下,买一套是自住婚房,买第二套是孩子学区房,对土著刚需来说,至少需要两套房。

Shanghai indigenous families, on the premise that both parents have housing, buy a home for marriage and a second one for children's school district. For indigenous people, they need at least two apartments.

新上海人移民家庭,买一套是自住婚房,买第二套是父母岳父母养老房,买第三套是孩子的学区房。对移民刚需来说,至少需要三套房。

New Shanghai immigrant families buy a home for marriage, a second one for parents-in-law, and a third one for children. For immigrants, at least three apartments are needed.

所以,土著1套是温饱,2套是小康,3套以上才是富裕。而移民1套是定居,2套是温饱,3套是小康,4套以上才是富裕。

Therefore, one set of aborigines is food and clothing, two sets are well-off, and more than three sets are wealthy. One set of immigrants is to settle down, two sets are to eat and clothe, three sets are to be well-off, and more than four sets are to be wealthy.

在上海,1000万仅仅是一条有吃有穿有住的温饱线。而身价千万其实只是挣扎在温饱线上的纯刚需、伪富翁。

In Shanghai, 10 million people are just a food and clothing line. And the value of tens of millions of people is in fact just pure need and pseudo-rich people struggling on the food and clothing line.

04、原始需求

04. Initial demand


对于温饱线上的上海富翁们,最焦虑的不是事业的升迁,不是身体的透支,而是孩子的教育和父母的养老。因为,对于弱不禁风的小家庭来说,看似安稳光鲜的生活,其实根本经不起任何的风吹雨打。

For Shanghai millionaires on the food and clothing line, the most anxious thing is not the promotion of their careers, not the overdraft of their bodies, but the education of their children and the pension of their parents. Because, for the weak family, seemingly stable and bright life, in fact, can not withstand any wind and rain.

孩子上公立的学区房,上私立的学杂费,超过工资的辅导班,父母生病的住院费手术费,任何一项都可以让这个小家庭摇摇欲坠。如果再碰到经济危机,裁员下岗,平凡的生活立刻无以为继。

Children go to public school districts, private tuition and fees, counseling classes that exceed their wages, and surgery for parents who are sick, all of which can shake the small family. If we encounter another economic crisis, lay off workers, ordinary life immediately unsustainable.

为什么上海的出生率如此低?为什么上海结婚率全国倒数,离婚率反而名列前茅?因为孩子是钞票的粉碎机,因为提高生活质量最廉价的办法就是一直保持单身。

Why is Shanghai's birth rate so low? Why is Shanghai's marriage rate counting down in the country and divorce rate ranking first? Because children are money crushers, because the cheapest way to improve the quality of life is to remain single all the time.

这些千万富翁身处繁华都市、置身现代社会,却始终奋斗在解决原始居住需求的路上。他们毕生的积蓄不是留给自己,不是留给孩子,而是留给银行,留给开发商。

These multimillionaires are in the prosperous city and modern society, but they are always struggling to solve the original living needs. Their life savings are not for themselves, not for children, but for banks and developers.

庆幸的是,他们活在上海,一个开放包容不缺奇迹的城市,可悲的是,他们住在上海,一个奢华昂贵毫不友好的城市。

Fortunately, they live in Shanghai, an open, inclusive and miraculous city. Sadly, they live in Shanghai, a luxurious, expensive and unfriendly city.

上海那些仍然挣扎在温饱线上的千万富翁们,到2020年,希望你们能跟上全国人民的步伐,共同奋斗、迈入小康!

Shanghai's millionaires who are still struggling on the food and clothing line, by 2020, I hope you can keep up with the pace of the people of the whole country and work together to enter a well-off society!
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