A CICC employee jumped from a building: Colleagues revealed more insider information, the down payment was lost, and the monthly mortgage repayment was 60,000 yuan

In the past two days, the incident of a female employee of CICC jumping off a building has become a hot topic, shocking the entire financial circle of Shanghai Lujiazui! This is a financial elite, and behind her is a high income and a high standard of lifestyle.

Text The current news on the Internet is that the female employee of CICC was only 30 years old, and she ended her life at such a young age, and it is said that she is pregnant. The news circulating on the Internet is that she has worked for 4 years, and she and her husband had a monthly salary of 100,000 at that time. So at that time, they took out a loan to buy a house of more than 15 million yuan, and the down payment of more than 5 million yuan was not only the money they saved from their own work, but also the money their parents tried their best to raise for them. Then they borrowed more than 10 million yuan, more than 10 million yuan in principal, and the interest must be at least 10 million yuan. It takes 30 years to pay off more than 20 million yuan, so it is divided into monthly mortgage payments of 56,000 yuan.

You can imagine that he has worked for 4 years, and he must have bought the house in the last two or three years. Now the house price is at its highest point. Even in Shanghai, there is a big bubble in the middle. Don't think that big cities like Beijing and Shanghai are high-quality assets. It's impossible. High house prices often represent bigger bubbles and higher leverage! So why did this young girl, who was only 30 years old, choose to end her life in this way? It was because the house price fell in the past two years, and her down payment fell, and they had to repay 56,000 mortgages every month. This is not the most important thing. If the couple can earn more than 100,000 yuan a month, they will have more than 40,000 yuan left after paying off the mortgage, which is enough for them to live a decent life in Shanghai.

But the problem lies in their work. Both she and her husband have had their salaries cut. And the salary cut is particularly large. Before, they could earn 100,000 yuan a month, but now they can only earn 40,000 to 50,000 yuan a month. In other words, after buying the house, the good life has not yet begun, and they have encountered great difficulties in mortgage loans. This is because when I bought the house, I was too optimistic about the future and my income. You have to know that a 30-year loan is the best 30 years in life. Who can guarantee that they can work in an industry for 30 years? Who can guarantee that they can get a high income in an industry for 30 years? Who can guarantee that the company will not go bankrupt in 30 years, so there are many variables here.

But it is true that you borrow money from the bank in installments for 30 years. You have to repay the bank's debt every month! What's more, like them, they earn more than 100,000 yuan a month. In addition to paying the mortgage, there are tens of thousands of yuan that are enough for a decent life. You have to know that when a person has lived a so-called decent life, it is difficult for him to lower his living standards and he can't go back! Just like a few days ago, I saw

someone on the Internet saying that he spent 930,000 yuan to buy a house, but his family's dinner only cost 9.3 yuan. Why cook for yourself? Not for anything else, just because they have huge debt pressure! To the end So I think the incident of CICC employees jumping off the building is because their thinking has reached a dead end. They regard the company as their only lifeline, and when the company abandons them, they don’t even say hello. And all the leveraged assets they rely on the company will become the last straw that breaks the camel’s back!