Abstract price we pay is the delay in our consumption. But how we let the flow of these assets the family together, a better solution to our lives was needed? Then study to become living dead money, it means money.
】 【body although it will happen in life, In fact, you are not short of money, but your family assets are not mobile, and now let the greatest impact on existing assets, liquidity it so you can enjoy a comfortable life.
home,
〓 { space to play in CS} 〓, real estate, cars, gold and silver jewelry, antique paintings, these seemingly valuable things, such real and personal, required hospitalization for his family doctor, you need to turn in a million children study in fees, which seemed valuable assets have become so helpless, and sometimes we just need the cash! Maturing face of yet, just bought the bonds, we are now short of money, to pay hospital fees, tuition fees, would like to buy a car,
torch burch, do we have to be removed in due time deposits and bonds of these only do not lose our revenue it? But the delay cost us, our consumer. But how we let the flow of these assets the family together, the better our lives needed to solve it? Wang
see it, he seems very strong asset, but he really did not short of money for it? He,, 30, manager of a company, when purchasing real estate 350,000, so far there are 20 million to pay the full amount; a year ago to buy a Hyundai Elantra sedan, is now a value of 10 million; there is a months to 10 million three-year maturity bonds; usually like to collect some paintings antiques, but also the value of the number of tens of thousands; also buy 10 million last year, investment-linked insurance, and now basically doubled, with 20 million. Now in addition to 5 thousand dollars per month cost of the balance of all current savings will have more than 10,000 blocks. Next year, and his parents over to live in him and want to buy a bigger house sets, but also the decoration, but now they seem to have enough ready cash.
1, you can move real estate -
Wang secondary mortgage credit at a friend's introduction, to a bank for a 80% of the value of the housing loan amount, or 32 million, in addition there are 20 million without repayment, the actual Mr. Wang can get 12 million loan. If Mr. Wang put forward the higher, which is equivalent to the existing real estate, into a movable, so that the family of funds to maintain liquidity. Wang can use these loans to live with their parents to buy a big house, in addition to the down payment, the installment loans can also enjoy certain benefits, which can save lots of money! Mr. Wang has also learned that these loans can be used to decoration, or in the future to pay large fees for their children when, suddenly feel that life is not very constraints, and know he is still quite rich.
personal housing mortgage loans second is the bank has access to bank home mortgage borrowers with mortgage loans increases. After repayment of principal and interest in certain loans, such as the temporary need for funds for personal consumption or business, the available value of the mortgage balance after subtracting the difference between the original loan as collateral for loans to the bank again.
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loan amount is calculated: the value of housing loan amount = × mortgage rate -
the original principal balance of the loan which the original value of the house to house purchase price and the appraised value when the second mortgage comparison, whichever is lower. Secondary mortgage loans to mortgage rates not exceeding 70%; to the secondary mortgage commercial buildings the highest rate of mortgage loans does not exceed 50%.
its name for different banks vary, such as the Bank of China called it the Major banks for such general real estate business there are certain conditions: for the second mortgage loans for housing should be for commercial space; also must be existing homes. The course of the loan, the banks of the age of the loan term, loan ratio, the maximum amount of credit and so there are specific provisions, such as the relevant provisions of the Bank of China, the second term of the mortgage loans based on the specific uses to determine loans for personal consumption a maximum of 5 years, for personal business loans up to no more than 3 years, and the maturity dates of not more than the first mortgage loan maturity date.
2, let the car have a temporary home
Mr. Wang worked for many years, and finally three weeks of annual leave accumulated, like to travel, to visit the famous Silk Market. However, the thought of going to spend a lot of money,
supra avenger Shanghai, I'm back!, or a bit distressed. If the current savings are taken out, not enough travel fees! If the 3-year bond taken out, 10 million 3-year interest rate is 2.52%,
out if one month in advance, to only 0.72% interest rate according to current calculations, this will reduce a lot of money. Driven to despair, passed pawn, Mr. Wang to ask, can the car pawn. Surprisingly good results obtained, Wang maximum loan to 6 million, but Mr. Wang to pay a monthly rate of 4.2% of the consolidated. Wang immediately decided to loans 15000, so that costs only 15,000 × 4.2% = 630 dollars. Wang holiday in a few days ago, put purchase invoices, motor vehicle license, vehicle surcharges and other related documents, identity cards, to pawn shops, pawn signed a contract and pay 630 per month, a comprehensive cost 1.5 million made when the gold. When the drive to pawn the garage, Mr. Wang more at ease, professional indoor parking, as well as staff management. Think about this if it is to find a suitable point of the parking lot, at least to four to five hundred dollars. In this light, Wang'd make, not only got the money, and some of the auto, what we called Competition.
under the February 9, 2005 issued a costs,
obtained when the gold, and when the agreed period of time to pay interest on, repay when the payment, redemption when the material behavior. Family real estate, property rights, there are residential real estate, commercial establishments, cars, jewelry, antiques, stocks, bonds, deposits and so can be used as when the property, pay a fee, obtain appropriate when the gold.
with the bank on the borrower's credit his
tory compared to our demanding requirements, pawn shops, the customer's credit requirements of almost zero. Pawn pawn items to the low starting point, pawn shops pay more attention to service to individual customers and small and medium enterprises; and pawn loans procedure is simple, most of the instant provision. However, the pawn loan interest, fees relative to other financing methods are very high, and small loans. Small amount of working capital, you can apply directly to the pawn shops, fast and convenient. Pawn is only suitable for short-term secured loans, temporary financing, for the long-term loans, pawn is definitely value for money.
3, consumer credit card make you more handsome
for Mr. Wang, if not consider the custody of the car, there are other ways to the successful completion of travel, holding a credit card to travel may well be a good way to revitalize the capital , you can easily credit card, using the But the different types of credit cards not the same as the amount of overdraft, such as Mr. Wang has a stable job, good credit cardholders, and if in the future due to travel abroad, decorating new home, marriage, children, students, etc. in a certain period of time need to use higher credit limit, some banks offer credit card center can increase the temporary credit cardholder service for card holders to fully enjoy the convenience of flexible lines.
addition to interest-free overdraft, the credit card cash advance also. However, cardholders are required to bear by the amount of each cash advance fees calculated per cent, the minimum amount each pay 30 yuan, or $ 3, domestic transactions (other than Hong Kong, Macao-area) collected by the RMB, foreign transactions (including Hong Kong, Macao and Taiwan regions) charged in U.S. dollars.
cash advance transactions do not enjoy interest-free repayment period of treatment, daily interest rates from the billing date to the settlement of five ten thousandths account interest receivable date. Account cash advance on this specific transaction date, the bank side in months to recover profits. Credit card financing is infinitely long period, generally 52 days the bank has interest-free period, interest-free period in addition to the interest is quite high, so the cardholder's financial period of limited interest-free period is best Try not to exceed
interest-free period. If outside the U.S. consumer can overdraft, and then returned to the repayment of RMB, but also need to pay attention to the repayment period. Because the current dollar dollar credit card overdraft is also the day of entry into force, the yuan also dollars it takes 3 to 5 days of recorded time, and if in case of missed interest-free period, a cardholder may have to pay the interest and late fees to use of credit cards this way, the cost is high.
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in peacetime use of credit card, you need to pay attention to the following questions: A. Accommodation is best to use cash to pay the deposit, if paying by credit card, cash in 30 working days to return to the credit card account, it is possible also their first deposit to one month in advance; B. When buying big-ticket consumer goods, if paid by credit card installment features, once this item to be drained away, then the first down payment of at least 30 working days before returning to the credit card account, and then return the money delayed to the credit card account, it is possible they have to pay the purchase price in advance. C. Cash advance using credit card interest and fees are very high, so try to avoid taking cash advances, especially the way short-term financing.
4, the policy can both protect the vote even when the cash with
insurance policy could be turned into live money? Certainly a great loss to surrender, if the early withdrawal must pay a fee, not to mention the stock market is now so well paid part of the profit is not lost in vain What future opportunities to make money? So how can such financial assets to help us solve the current financial difficulties? There are two ways to get some credit lines to banks and insurance companies is a pledge. One approach: Bank pledge. Insured will be pledged to the policy banks, loans from the bank to pay the borrower, when the borrower can not perform the debt due, the bank can be based on the pledge contract banks and insured, with insurance policies by insurance companies to repay the loan. Option two: the insurance companies pledge. Insured the policy directly pledged to insurance companies to obtain loans directly from the insurance company, if the borrower is unable to perform the debt, when the loan principal and interest amount to surrender, the insurance company to terminate the insurance contract effectiveness.
not all policies can be pledged, pledge the policy itself must have a cash value. And Mr. Wang's investment-linked insurance, there are currently nearly 20 million cash value, such policies can be used as collateral. In addition, there is the nature of life insurance savings, dividend-based insurance and pension insurance, annuities, long-term critical illness insurance policies such as life insurance contracts, the payment of a certain time, we have a certain cash value of all loans to function with ; and short-term accident insurance and medical expenses insurance, because there is no cash value, is not a credit feature.
but banks and insurance companies, policy loans and credit lines of limited duration, there are differences. A shorter period of policy loans, the insurance company loans are generally not more than 6 months, and more in the bank loan period is 1 year,
air max classics, some up to 3 years or 5 years. The maximum loan balance does not exceed a certain percentage of the policy cash value, the ratio of each insurance company has different requirements, generally about 70%; while banks require relatively relaxed, the loan amount up to 90% of policy value, but are generally banks have their own designated insurance. After the expiration of the policy must be timely return of loans, once the loan principal and interest than the policy cash value, the policy will be permanently disabled. Insurance companies and banks based on their situation, their specific policy loan interest rate to determine their own lending rates. Revitalize the funds as the policy, if the dangerous condition, and whether a successful claim it? After the general policy loan application, as long as the continued payment, the policy is still valid, if the loan period if the insured event occurs, may still be claim. Even in the short term inability to pay, but the policy's cash value sufficient to repay the loan principal and interest, the policy still valid.
5, bank deposits and government bonds
deposits and money changing activities belong to the family assets, debt securities, bank or mortgage company can make loans. The focus here to talk about the pledge in the bank business. Pledged Loan amount is currently the starting point is usually 5,000 yuan each loan collateral does not exceed 90% of face value.
Pledged Loan term of the loan in principle more than a year, and loans shall not exceed the expiry date of pledge bonds. Wang look at the national debt, if the pledge to make bank loans a month, in accordance with the provisions of the loan period less than 6 months, by 6 months to determine the legal lending rates, though up to loans to 9 million, but a month 90000 * have to pay interest (5.85% / 12 months) = 438.75 yuan.
link: Bank pledged loans a month, in accordance with the provisions of the loan period less than 6 months, by 6 months to determine the statu
tory loan rate; period of 6 months within 1 year, according to the statu
tory 1 year loans interest rate determined, so. In addition, the bank will be according to the different situation on the loan interest rate be adjusted, the lower limit of loan interest rate is the benchmark interest rate of 0.85 to 0.9 times the upper limit of no.
It is worth noting that, if a different period of more than a pledge of bonds in order to determine the maturity term of the loan were recently. Pledged Loan interest rates, in accordance with the statu
tory period with the level of interest rates (including fluctuations) and the relevant regulations.
bank certificates of deposit as collateral, and the bond interest rate and loan terms are similar but different is the starting point of each bank and the maximum amount of loans with different, such as certificates of deposit secured loans and Commercial Bank of China, the maximum not more than 10 million, and not certificate of deposit denominated in more than 80%; traffic to bank up to 90% of face value pledged property; Industrial Bank deposit receipts of personal secured loans starting point for the 1,000 yuan, the same pledge currency deposit rates not exceeding 100%; different currencies The certificate of deposit pledged the highest rate of not more than 95%. Banks pledge to make the biggest advantage is that bank borrowers if the procedures in place, the same day to sign contracts to get loans, certificates of deposit secured loans generally suitable for short-term, temporary demand for funds.
6, collection of antique paintings, etc. can be used as the flow of funds
all valuables at home, such as the collection of antique paintings, gold and silver jewelry, jade jewelry, or collections of gold, etc., as when things go to pawn shops
, can solve the family's emergency fund, but the different items of value, to charge different fees, in the Code, then, be sure to look for legal compliance pawn for pawn business, or costs may be made to spend a little while gold, but can not find the pawnbroker redeem or when improperly stored chemicals are damaged, lost heirlooms or other mishap, it worth it.
links: pawn integrated process need to pay various fees, mortgage fees, including a variety of integrated services and management costs. Chattel mortgage rate mortgage the monthly consolidated payments shall not exceed 42 ‰. Comprehensive real estate mortgage rates monthly mortgage must not exceed the payment 27 ‰. Pawn pledge of property rights shall not exceed the rate on consolidated gold 24 ‰. Current less than 5 days, according to 5, collect the fees. When the user at the pawn or the renewed term of expiration of the period to redeem must present, in addition to payment of principal and interest to be repaid when the comprehensive cost, should be based on the provisions of the People's Bank of China's banks and other financial institutions, the level of penalty interest overdue loans, pawn shops, the development of cost criteria and the number of days overdue, pay when the payment of interest and related costs.
life, although it will happen In fact, you are not short of money, but your family assets are not mobile,
asics gel lyte 3 Civilization, one of the series 】 【 Godson, and now let the greatest impact on existing assets, liquidity it so you can enjoy a comfortable life.
four strokes become living dead money tips money better people
family property on hand are some Now for your support four strokes.
one, gold and gold jewelry. Pawn pawnshop precious metals accepted, including gold, 24K, 18K gold and platinum varieties involved in gold bars, necklaces, rings, bracelets. A few years ago is now buying gold can be added for a lot of pawn. When the value of about 7 to 8 percent, after assessment, drawing on the spot. The cost of gold pawn comprehensive fee plus 4.2% monthly interest rate of 0.42%, up to six months. Experts suggest that more than one month's period, it's best monthly mortgage, if the extension can be continued when, generally no more than the beginning of the period when continued.
Second, the savings-type life insurance policy. What are the policy can be secured loans, different banks have different requirements, such as limited Xinhua Life Insurance, China Construction Bank A DHS endowment insurance money; Ping An Insurance, the bank received 17 life insurance; Bank of China Ping An Insurance is only accepted Financing policy is also the threshold, the ICBC, CCB provides a period of 6 months to 3 years, the Bank requires 3 months to 1 year, credit lines were less than 9 percent. Applications for policy loans to be issued by the insured, the insured, the beneficiary and the insurance company a written undertaking relevant evidence.
Third, deposit receipts. Bank certificates of deposit secured loans are most welcome. Customers only need to be able to apply for identity cards by certificates of deposit and certificates of deposit secured loans, the same day withdrawals, the maximum loan-to-9 percent. Can be part of the early withdrawal, which is 20 million certificates of deposit, some of them out on demand, so that can also reduce losses.
Fourth, bond and financial products. Pledged Loan also available the day of withdrawal, the loan interest rate, the percentage of secured loans and deposit the same. But the procedure than certificates of deposit, cumbersome policy loans, the current amount of bonds secured loans starting point of 5,000 yuan. In addition, some large banks to issue RMB financial products can be secured loans.
Weapon: little money change your life changed a lot of money dead money money
been calls for a rate hike, investors are more interested in a flexible way of managing money. Well, you know what financial products have good liquidity? How the money for emergencies so alive? The following recipe tells you how to make an inven
tory of your money, little money changed a lot of money, dead money, money changing activities.
trick one: Dynamic management products with flexible investment direction, investment portfolio floating, flexible features such as subscription and redemption.
reporters in an interview that, the class fund products both in the stock market through a trust scheme, but also investment funds and bonds, you can also purchase new shares. Class of fund products and open manner very similar to the Fund's investment, investors can open a specified period, the same as the share redemption fund
open products can also be invested in stocks, bonds, currency, paper market and a series of combinations. For the advantages of open products, Pu Yi Tang Liqiong wealth researcher, said: redemption of the defect is not convenient. Trust, according to Southwest University of Finance and Banking Research Institute, January 1, 2010 to March 10 period, the class fund products has reached a circulation of 50 balance, while the last group of funds products, has a circulation of 150 balance, this year 3 months prior to the release issued last year, the total volume has accounted for 1 / 3. The open balance of product last year, 150 were issued, in mid-March this year, the balance of 30 issued, an increase compared to last year increased significantly.
tricks II: Released not A
to the Bank of China RMB This product is Guaranteed automatically renew financial products business, the annual yield of 1.6%, which is a series of continuous, the same structure, there is a single fixed-term structured financial product composition, the investor can current
other than the Bank of China, China Merchants Bank, CITIC Bank, also have relevant investment-type financial products rolling.
tricks three: a shorter period shorter then the funds are generally
investors in securities and bank accounts working, and some banks short-term or even short-term financial products over the idle funds allow investors to gain a larger . These products and more investment in bonds and money market instruments.
such as Shenzhen Development Bank recently launched the yield 2.6%.
In addition, the Bank launched the ultra-short-term financial products with greater liquidity, more suitable for a large amount of idle funds in short-term investors, especially the At present, banks are ultra-short-term financial products, 1, 3 and 7 days of financial products.
1 day banking products, investment banking day and daily gold series profit series, Minsheng Bank's money with money B series. The annual rate of return financial products, interest rates, demand deposits ranging from 1.5-6 times.
CITIC Bank recently introduced the transaction. The products are guaranteed floating income, interest-bearing days for 3 days, the maximum annual yield of the expected 1.34%, demand deposits for the same period more than 3 times earnings. In addition, the Bank of China
to
bank card useless owe the bank 14 per two-year deal with dormant cards as soon as possible
how still owe the bank money?
Press investigation has learned that the bank charged 14 yuan a small account management fees.
That is,
asics gel kushon, if depositors bank account daily average balance is less than the amount of money required, will have to pay management fees. Most banks charge
沈城
account management fees yesterday, the reporter visited the Chen Cheng 12 Chinese banks, of which seven have been found to charge a small depositor account management fees. 3 of them on daily bank deposit (account deposit, term and notice deposits) stood at less than 300 individual accounts, quarterly rate of 3 million; a bank deposit only the balance is less than 500 average daily personal passbook account , 3 yuan per quarter charge on credit card not received management fees; and another bank account the total assets of less than 10,000 yuan daily accounts, charge 1 yuan per month management fee.
Currently, there are five banks not to charge a small account management fees.
two years of no use bank cards to pay management fees have
reporter has learned that very fact that the bank card has been two years, not used, there was only 10 yuan, while bank small account management for two years fee is 24 yuan, 10 yuan deducted own account, Ms. Zhang has also owe the bank 14 per hour. Many people have idle hands of the bank card, if you want to cancel, you have to pay management fees?
interview with reporters that, if the account has a surplus of idle funds, the bank will be in accordance with the standards of 3 yuan per quarter, deducted from the balance of the account until cleared its buckle. When the account balance is insufficient, the depositor will be asked to make up the majority of bank management fees owed to cancel bank cards, credit blemish may cause; and a small number of banks depositors do not need to fill the arrears, you can directly sell cards. As for management fees owed to the account, the bank is not automatically clear their households.
bank account management fees received or will become the trend
In this regard, the banking industry, said, reminded the public that the bank card for the unused time off to avoid unnecessary costs.
while another claimed that a statement, the banks hope to promote value-added services, rather than get all a few dollars a month. Like a bank regulations, expanding the scope of management fees waived, account for less than 3 months of personal accounts, do not charge management fees for the quarter; as long as payment of the gas utilities, payroll and other one of ten, but also waive the management fee.
wake-up: But can not be avoided is that, compared with the huge amount of credit card issuers, the current bank card More than 1 billion to the country's bank card issuance volume, there are a considerable number of bank cards in
this, industry analysts believe that most of the current domestic sleep cards are Its services are limited, part of the card holder or have been lost, but in the bank account system still exists. In the bank card of new products, new services, has introduced market environment, these cards apparently belonging to vulnerable species on the brand, due to lack of competitiveness, the overall activity level substantially below the market average,
contrast, difficult to match on the card the amount of credit card and debit card, but significantly higher than the degree of active debit cards. Statistics reveal that active cards on the market, accounting for 87% of the debit card, credit cards accounted for 13% (of which accounted for 10.5% of credit card, quasi-credit card accounts for 2.5%). Especially credit cards, the average activity is approximately 6 times a debit card. Consumption in the POS terminals, the most active nor none other than credit card, the average single-card transactions is a debit card 10 times, even the quasi-credit card debit card is 3.75 times.
relatively active credit card for two reasons: First, most credit card is issued two years the new cards, new cards are usually higher degree of activity; Second, the commercial banks compare credit card marketing efforts strong, and some customers of consumer transactions by banks to attract a wide range of promotions, credit card up, and gradually develop a habit of using cards.
But it is worth attention is that some of the recent credit from commercial banks to carry out a vigorous In order to seize the market, competition for customers, issuers invariably hoist the not enough qualified customers to apply Such sales practices, no doubt planted the new risks, it may cause a new batch of The emergence of a large number of sleep
card, no doubt to the social resources, especially financial resources, enormous waste. Each credit card has a production cost, we need to do data processing and related customer information maintenance, requires considerable human and other costs. Not only can not sleep, the increase in card to create profits for the bank, the bank also increased operating costs and affect profits. In addition, the presence of a large number of sleep will also affect the bank card network speed and settlement efficiency, increase the normal waiting time of customers for the harmony of the environment with the card, adding obstacles.
sleep card spread, the issuing bank is clearly to blame. The industry admits that, in general, take the initiative to do if a customer card, and eventually the card is not much sleep. Even if the card into a sleep, the above will be a little more or less balance. But most of the cards do not normally sleep will become a card, and they almost always only the interest on the balance or zero balance. Can be seen, a lot of sleep, card issuers are in the blind pursuit of economies of scale and market share, the case of high-volume card production, which has become the early card issuers made some domestic common problem, after all,
womens nike air max 2010, the existence of errors or the bank card business guidelines and evaluation system is not appropriate due.
few years ago, a large number of debit card issuing banks have to carry a heavy burden, and later taken to the savings bank card annual fee, charge management fees on small accounts measures, and strive to consolidate resources and reduce management costs. Although this received some effect, but also by many social disapproval. In fact, reduction and elimination of a fundamental frequency of sleep cards, card issuers want more from ourselves.
now, the credit card market development stage, there is some sensible commercial banks have realized that They began to focus attention and mining of high-value customer needs, enhance customer loyalty, will increase the rate and volume live card credit card market as the key to the second round of competition, launched wave after wave of Such as
experts pointed out that
for card issuers, the first card is to correct the attitude, so as to avoid issuing in order to complete the task by any means. Should simply abandon the pursuit of card volume, blind expansion of extensive mode of operation. For example, credit card issuers to establish more robust incentive mechanism, for the issuing of each performance, can be combined with card volume, and on this basis, the additional test activity rate of new single-card issuers. Only a certain percentage rate of live card, the card issuing officer can get the full bonus and so on.
Second,
nike dunk 2010, the bank card industry in the early stages of development, good knowledge of the popularity of card is also very important. Card issuing banks can not be sent out as the goal, and since then no longer turning a blind eye, but an obligation to inform cardholders how to effectively use the bank card. Through the bank website, contact phone, business offices publicity
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