Have a house, a mortgage, and no car.

1. Mortgage loan

Calculated with the house as 100㎡, the average price in June is 52,373 yuan/㎡.

Down payment 1.57 million.

The loan of 3.6 million yuan is calculated as 30 years.

52,373 yuan *100 ㎡ = 5.237 million.

The last monthly payment is 10000 yuan.

My heart hurts so much that I can't breathe.

2. Food expenses

Childbirth

Nutrition at home can keep up.

Chicken, duck, fish, fruits, vegetables and milk are indispensable.

At noon, the couple brought food.

Calculated according to the minimum standard

Two thousand yuan a month for three people.

3. Water, electricity, gas, etc

Water fee: 60 yuan/month (average)

Internet access fee: 60 yuan/month (average)

Mobile phone fee: 200 yuan/month (average)

Electricity+gas: 200/ month (average)

* * *: 60+60 = 200+200 = 520 yuan.

4. Transportation costs

Go to work by bus or subway every day.

Shenzhen bus and subway are not cheap at all.

Even if there is a bus card, there is not much discount.

According to the minimum standard, one person goes back and forth to 5 yuan for one day.

22 working days/month

22 days ×5 yuan ×2 people =220 yuan

In that case, you'd better not take a taxi.

Stay at home during the holiday

5. the cost of raising a baby

Shenzhen is near Hong Kong.

Milk powder is about 1500 yuan/month.

Diapers are wet every month in 500 yuan.

1500+500=2000 yuan

It is more expensive to go to school when you are old.

It won't be 2000 yuan a month to solve it then.

6. Other expenses

A. Leisure and entertainment

Occasionally bring a wife and children.

Go to the movies, next restaurant.

But only twice a month.

I can only do it myself at other times.

Count 600 yuan.

B. Clothes and daily necessities

Everyone knows that there are many shopping places in Shenzhen.

Brands of all sizes can be bought at affordable prices.

Online shopping is cheaper.

According to the minimum standard

The clothes of three people add up every month 1500.

All kinds of daily necessities at home need to be replaced regularly.

About every month in 200 yuan.

* * * Yuan: 1700.

C. Skin care products and cosmetics

No hair style, no manicure

But girls need maintenance when they reach a certain age.

Therefore, skin care products and cosmetics are indispensable.

Of course you don't need to buy it every month.

Then let's calculate at the fair price.

Around 300 yuan every month.

7. Other unexpected expenses

A. Labor costs

Usually, classmates, friends and relatives have happy events at home.

Get married, have children, have a big birthday and so on.

It may not be enough for 300 yuan at any time.

But not every month.

Then let's calculate according to the minimum standard of 300 yuan.

B. Honor your parents

On New Year's Day and other festivals

Honoring both parents is the most basic.

It costs more than 2000 a year.

So a month is about 200 yuan.

10000+2000+520+220+2000+

600+ 1700+300+300+200=?

Average monthly income 17840 yuan.