Individual managing finances consultant crisp wind:if the returning to homeland development, Peng Xuyang looks for a good work most importantly. By his good educational background and the professional career, in domestic look for an income in 10,000 Yuan above work are possible, moreover the domestic life cost must lower a lot. Because Peng Xuyang still had 100,000 Yuan debts and the buying homes plans, therefore “the throttle” is the important measure which must adopt. Because Peng Xuyang formerly the majority of income surplus nearly used for to return the debt, does not have the unnecessary deposit in foreign currency. After the overall evaluation present domestic foreign currency managing finances product average returns ratio is low and the Renminbi revaluation anticipated, suggested that Peng Xuyang will remain not many foreign currencies to settle exchange completely. suggested Peng Xuyang one, two years later considers buying homes.

First, he needs to bring to completion the dead horse and to stockpile the first payment; Second, the real estate market is being in the macroeconomic regulation and control, now not necessarily is the entering the market timeliness. After paying off the debt, the Peng Xuyang property will remain the infinite, if the short-term strong urge to defecate in buying homes, will carry on the back the heavy debt once more. At present the domestic house price is being in the historical top digit, appeared falls the tendency, suggested that Peng Xuyang and the parents live together, will buy homes the plan to retard for 3 years. Lives together with the parents, may also promote the dear ones, may also save not a small housing disbursement. Under this premise, 2000 Yuan to 3000 Yuan average monthly pays leaves, already could guarantee the proper level of living. The income settles accounts with the Renminbi, may also avoid the debt inflation risk which the Renminbi revaluation possibly brings. Peng Xuyang is slowest can also become within one year the net assets the positive number.