The easiest way is to pay off your mortgage. The house can be rented after marriage, and the rent is for grandparents to support the elderly. Rent is also pre-marital property. You can use a separate card to collect the rent and give it to two old people. Those who want you to buy wealth management or save it are useless, because as long as your husband's family knows that you have money, he will have a reason to let you take it out sooner or later. If you don't take it out to hurt your feelings, you might as well spend it on your own house, and no one will think about it.
Go to the notary office first and prove your pre-marital property. Divide the money, don't say it, and don't spend it on marriage.
How to protect your premarital property?
1. Ask the bank to open a card. This card is only used for saving money. Don't turn in and out easily. But the interest will be lower. Because online banking can record running water information, it can prove that you had the money before marriage.
2. Time deposit. Continue the time deposit after maturity, and keep each deposit certificate. In this way, the interest will be more than that in the bank card, but you need to keep the paper documents well, don't lose them, and don't let the other party see them.
3. Open a securities account, put money in the securities account, invest in index funds or buy money funds similar to Yu 'ebao, which will make your money appreciate faster. However, you need a day or two to get to know a wealth management knowledge and investment methods before you invest.
Because you all buy a house by loan and have a mortgage, it is not recommended to repay the mortgage in advance.
I suggest that you use this 300,000 yuan to pay off the pre-marital mortgage, so that it can be used as pre-marital property independent of marriage. And the bride price of the man, you can bring it to your small family.
Your pre-marital property (although you still owe money) and 300,000 cash deposits belong to your pre-marital personal property. How to deal with them? Two ways:
1, put in the bank for a fixed period, preferably more than 5 years. After the expiration, you must deposit it with interest, and then properly save a copy of the deposit slip or scan or take photos to save it in QQ space or WeChat photo album. Never use your private money for all expenses after marriage, even if it is investment and entrepreneurship. It is also a loss to withdraw in advance. That's why you don't take it out, but you need to tell your closest relatives.
2. Transfer all the deposits before marriage to repay the mortgage arrears and reduce the pressure on the mortgage after marriage. It is also necessary to keep the original copy properly, scan the deposit slip or take photos in QQ space or WeChat photo album, and keep the first-hand copy of the original document that has not been notarized, because the notarization of property before marriage will cause emotional discounts. The payment voucher for buying a house before marriage can prove that it belongs to your personal property before marriage. Even if it needs to be divided in the future, it is well documented. After several years, the appreciation or depreciation of the property can be calculated according to the current market price. The property before marriage will always belong to you personally, and the mortgage after marriage belongs to both husband and wife.
It should be noted that your personal mortgage is 3,700 yuan per month and your boyfriend's mortgage is 2,500 yuan per month. These two loan repayments after you get the certificate belong to the joint property of husband and wife.
Personal opinion, for reference only!
Your mother remarried when you were very young, and your grandparents worked hard to raise you. Now that you are getting married and your grandparents are old, you should consider their pension. You can earn money to pay off your monthly mortgage. Don't touch the 300 thousand in your hand You should save it in case your grandparents are in poor health and need to be hospitalized.
Open a card with grandparents' ID cards, and temporarily deposit the money for yourself. Or directly used for mortgage prepayment.
How to use the money depends on the man's attitude. If the man lets you manage the money after marriage, it shows his love and trust for you. At this time, small moves will hurt the feelings of both sides, and since you have the financial power, it doesn't matter if you take out 300 thousand.
If the economic power is in the man's hands, it is best to return the bride price money to her husband after marriage or set up an account for married life. After all, marriage is a matter of two people, and your excessive precautions are not conducive to the relationship between husband and wife. If one party's economic strength is too low, it will easily lead to the position of strong men and weak women in the family. There was no one in your family, which was even worse for you. If you are independent and make positive contributions to your family, the other party will give you proper respect.
As a final reminder,
1. Couples should strive to live in one place, especially in terms of economic income. Your 300,000 yuan can be said to be elder deposit+premarital property. Half true, half false.
2. It is best to communicate the distribution of economic income before marriage. When communicating, you should not only consider your own interests or safety, but also the other party, and try to be fair (even if the plan is upside down, you can accept that).
Who is in charge of financial power, not in income, but in who can manage money. But if you want to be a full-time wife after marriage, it is recommended to take over the financial power. After all, full-time sacrifice at home is greater and needs a sense of security.
4. Have a correct evaluation of in-laws. After all, you don't have a family, and the relationship between mother-in-law and daughter-in-law is more likely to be at a disadvantage. In fact, you have to pay a part of the wedding money, at least 500-65438+10 thousand, to contract some expenses (such as catering, wedding company, new house decoration, etc. If the husband's family is not easy to get along with, try not to let them come and take care of the children after marriage or even after giving birth. They would rather work hard and hire an hourly worker or nanny. Because the mother-in-law and daughter-in-law are not related by blood, once they turn their faces, they will not be reconciled. If your in-laws are easy to get along with, you should be a good person and be filial to your in-laws. You'll know how happy you are after giving birth. But remember, no matter how easy it is to get along with people, no matter how good they are, they can't be dependent. Because you get a part, you often lose something. This is the experience of an experienced person.
26 years old, leaving 300,000 deposits. First, I ordered one. It is absolutely impossible to have no money now, but it is absolutely possible to have money. First of all, you should remember that this 300,000 yuan is your private property, not your premarital property. Second, look at your mood. If you are a love supremacist, tell your husband after marriage and become the family capital of your new family. If you can't get used to changing from one person to two people for the time being, then I advise you to deposit it in your bank account according to your spending plan for a rainy day. Third, you are an economically independent modern woman. You should register your own account for your money and conduct investment and financial management. After ten years of unstable marriage, you have both income and the demand for money in your family life, injecting a lot of money into your family. Your husband will love you to death. My point of view is for your reference.
Whether I bought the house independently or not, I won't give you any advice on making money with you. I just graduated from a master's degree at the age of 26 and graduated from a junior college for three or four years. It's really not easy to have so many deposits. I have been trying to make money for so many years. When I was your age, I only saved about 50 thousand, and now I'm almost 35, barely close to your current level. It is really on the premise that parents pay down the house.