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林先生,30岁,私企员工,月入1.5万元,年终奖5万元;林太太,29岁,私企员工,月入1万元,年终奖2万元;林先生夫妇有个6个月大的女儿。林先生家庭有现金类资产2万元,定期存款5万元,货币基金6万元,银行理财15万元,股票5万元。家庭拥有一套自住房,市值130万元,尚余38万元房贷未偿还,每月还贷4000元,其余家庭日常花费每月7000元。林先生和林太太单位都有五险一金,林先生单位还提供补充医疗保险,还为女儿投保了社保中专门针对儿童的“一小”保险。商业保险保费年支出8000元,其中林先生投保商业健康险,
Mr. Lin, 30 years old, private employee, monthly income of 15,000 yuan, the end of the year award 50,000 yuan; Mrs. Lin, 29 years old, private employees, monthly income of 10,000 yuan, year-end awards 20,000 yuan; Mr. Lin couple have a 6 months Big daughter Mr. Lin’s family has cash assets 20,000 yuan, time deposits 50,000 yuan, monetary fund 60,000 yuan, bank financial 150,000 yuan, stock 50,000 yuan. The family owns a set of self-owned houses with a market capitalization of 1.3 million yuan and an outstanding mortgage loan of 380,000 yuan. The monthly repayments are 4,000 yuan and the rest of the family spends 7,000 yuan per month. Mr. Lin and Mrs. Lam have five insurance and one gold, Mr. Lin unit also provides supplementary medical insurance, but also for the daughters of social insurance in children specifically for the “one small” insurance. Commercial insurance premiums annual expenditure of 8,000 yuan, of which Mr. Lin insured commercial health insurance,