Chapter 225 Use time to exchange space
Lu An added: "There is no need to worry about singles choosing a fake marriage of the opposite sex for these 5 million people, and then sharing the money upon maturity, and then living their own single lives. I can't say there is no such situation, but the proportion must be extremely low."
"Because the trust problem cannot be solved, there are too many elbows."
"For example, if I make a lot of money, or win a big prize one day, the other half of the fake marriage will just sit back and do nothing. Seeing that I have made a lot of money, legally this is marital property. If she thinks about divorcing me, I will give her half of the property."
"You can either sit back and lose, and kill all possibilities for your future with your own hands. If you work hard and make a lot of money, you have to be prepared for the risk of half of your wealth being shared by the other party. The other party can share half of your wealth without doing anything. If you can accept it, I have nothing to say."
Ge Yu nodded repeatedly: "That makes sense." If the golden wedding subsidy program is to be implemented, it should not only target the unemployed group, but should be open to all newlywed groups in the provinces where the new regulations are implemented from the date of implementation of the new regulations. "Those who have been married before the implementation date of the new regulations are not included, and the new law will not apply to the past."
"In this way, the opposition will be much smaller, and the resistance to the implementation of the new regulations will be much smaller."
Ge Yu hurriedly said: "But if this happens, the national finance will not be able to support it. After the new regulations are implemented, married people will definitely have a large number of technical divorces and then remarry, even if they are 50 years old and live to be over 70 years old. , you can also get 350,000 + 650,000, and 1 million is not a small amount. If you don’t get it, you won’t get it.” During the 0-year cycle, the state does not need to pay them. It is equivalent to promising a 10-year option, which can only be exercised after 10 years. "In other words, the state has zero burden in the first 10 years, and can concentrate resources to fully unleash productivity, and the amount of money paid in the first 10 years is still the least. In the second 10 years, it is not much, and it will only be 1 million in 20 years."
"I'm thinking that in 20 years' time, the penetration rate of robots will have a replacement rate of 40%. There will definitely be no financial pressure by then. One million will definitely be affordable, and it must be more than enough." Wouldn't it be in vain if the robots were popularized? "
"If it really happens that you can't hold it, someone must have stolen the fruit."
Ge Yu couldn't help but nodded after hearing this, and it was true after thinking about it carefully.
With the release of productivity, future economic growth will definitely explode in parallel. Ten or twenty years from now, there will definitely be earth-shaking changes.
What seems like huge financial pressure now will not be a pressure in 10 or 20 years.
What's more, the country still promotes one or two provinces as a batch and gradually promotes it, rather than directly promoting it nationwide at the same time.
This will prevent 500 million families across the country from gathering together to redeem the funds in 10 years, which is equivalent to cutting it into several parts and paying them over a number of years.
With time in exchange for space, there will definitely be no financial pressure.
Although the number of provinces covered will increase as time goes by, at the same time, the economy is also growing year by year, and the penetration rate of robots is also increasing year by year.
By the time the robots are fully covered across the country, it will probably be the middle of this century, and the transition period will most likely be over. Robots have basically completed the goal of popularization, and basically achieved a major diversion between producers and consumers. At that time, there will be no pressure to truly distribute money to all people.
And an important point that Lu An did not mention is that in the next 20 years, there will be a "Mont Moros" asteroid crisis.
In the face of this huge crisis, everything else must give way.
At that time, there is no need to rush to pay the 350,000 yuan in the first 10-year period. The country can postpone the payment by then, and must first focus all resources on dealing with the asteroid crisis.
And people across the country will understand that as long as the asteroid crisis can be solved, it doesn’t matter if we don’t need this money.
Because the asteroid really hit, a catastrophe of the same life span as the world and the earth was directly staged.
It’s the end of the world, everyone is gone, and without that life flower, let alone 350,000, even giving you 3.5 billion is meaningless.
At this time, Ge Yu said again: "There is another problem. We have to wait at least 10 years to get the first part of the money. This means that within these 10 years, we can only receive 1,300 yuan, 2,600 yuan for a couple, plus the child subsidy, which is not enough."
Lu An heard this and said calmly: "Don't worry, this is not a problem. The country only needs to implement the golden wedding subsidy plan, and it will not be enough until 10 years later. Starting to cash out is equivalent to a liability for the country, but the debt is put in the back, and the residents can put the funds forward. "Ge Yu looked at him with a confused look. Lu An then said: "You need to go to a bank to pledge your qualifications for the "Golden Wedding" subsidy. The state issued relevant documents and you can only pledge one 10-year period at a time. You cannot pledge all 5 million at one time. The interest rate cannot be too high, and the stipulation is 3 percentage points. "
“Then with 350,000 yuan in the first 10 years, at an interest rate of 3 points, he can put up 260,000 yuan in cash up front.”
This operation is equivalent to replacing the money that will be available in 10 years to be used now.
The price is to let the bank earn 90,000 yuan in interest. After ten years, it will need to pay the bank 350,000 yuan with interest, which is exactly the 350,000 yuan subsidy in the first 10 years.
If two people get divorced before they have been married for 10 years, there will be no subsidy, and the bank will demand debt repayment from the couple. In other words, as long as you choose to front-load funds, you cannot divorce easily.
Ge Yu thought about it for a moment and realized that Lu An's suggestions formed a wonderful combination of punches. They were really interlocking and formed a perfect closed loop.
In the first 10 years, the state actually did not pay a penny. The debt was postponed for 10 years, and residents were first allowed to be in debt for 10 years.
But this does not mean that you are cheating the common people. As long as you get married and live your life honestly, don’t make any trouble, and wait patiently until the country will help you eliminate this debt in 10 years.
If you insist on causing trouble yourself, you have to bear the cost yourself.
The bank is definitely willing to accept the replacement, because the golden wedding subsidy plan is equivalent to the endorsement of national credit.
The potential risk is that the married couple may divorce.
But the bank will definitely not let itself suffer a loss, so the group that accepts the replacement must be mainly young people in their twenties.
As long as they are not over 40 years old, even if they get divorced by then, they will still be able to repay when the debt is collected, and the bank will not have to worry about it becoming a bad debt.
Especially for young people in their twenties and thirties, they have nothing to worry about. Even if they default on the contract, they will each bear a debt of 130,000 yuan, which they can repay no matter how many years they work.
But for people who are too old, banks will most likely not be willing to replace them.
· Older age means greater risks and a higher probability of becoming a bad debt.
Especially for couples over 60 years old who choose to get a technical divorce and then remarry in order to get this subsidy, the bank will not give them a replacement, because there is no telling whether they can live to be 70 years old.
The bank thinks that you are a high risk because of your age. They are afraid that if you have an accident or live less than 10 years, you will become a bad debt and will not be able to pass their risk control and will not replace it.
This has nothing to do with the country.
If you want to scold the bank, you can scold the bank, or you can live to get the money after 10 years. If you are the legendary King of Endurance, you can get 5 million after living for 50 years.
For young newlyweds, being able to exchange 260,000 yuan is equivalent to an average of 2,166 yuan more per month. If they get this 260,000 yuan at once, they don’t have to worry about spending it randomly, because getting married means that family responsibilities are on their shoulders. Most married people will use it carefully. After all, this is an overdraft of subsidies for the next ten years in advance.
For a lower-class family of three, the monthly allowance is 1,300 yuan per person. If the child receives a monthly subsidy of 1,000 yuan, plus 2,166 yuan, the monthly total is 5,766 yuan, which is almost the same as the current salary for screwing in a factory.
If you don't go to big cities and live in small counties, 5,000 yuan per month will definitely be enough.
Even if you have a rural household registration, if you go back to live in the countryside, grow your own vegetables, raise some poultry and other things for your own consumption, your monthly expenses of more than 3,000 yuan will definitely be enough, and you can still save a lot of money.
In the future, many people will definitely choose to leave big cities and return to the countryside to live and work in peace and contentment. They will lead a stress-free, slow-paced pastoral life, and the quality of life will be no worse than that in Beibei now.