Wanyuan Women’s Federation came news of the city and actively help solve the financial problems of women entrepreneurs , the first half of this year , the city issued a total of discount women’s micro- finance loan secured $ 3.2 million.

Wanyuan vigorously promote the work of women small loans to actively seek their livelihood projects included in the year 2011 , issued a Interim Measures work Meanwhile,home loans, the initiative to coordinate fiscal, monetary , social sector support people to improve the security lines , to simplify lending procedures, lending to expand the scope of , and actively assist women entrepreneurs to solve financial problems . The first half of this year , the city has issued financial guarantees women small discount loan $ 3.2 million of which species of aquaculture in rural areas accounted for 20% of the urban service sector accounted for 70 %, 10% other types .

application process and required materials

example, Su × × year students to apply for student loans 6000 dollars, the loan period of 14 years, after he graduated from college first and second years only interest payments, the third year, that is, from 2017 to 2024 on 20 December each year to repay the loan principal amount of about 666 yuan, and interest payments.

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repayment

application per student per year line of credit of not less than 1,000 yuan, less than 6,000 yuan. Students to student loan borrowers in principle to pay for tuition fees and accommodation, when the loan amount is higher than the actual tuition and accommodation needs, the rest can be used for students’ living expenses. In addition, the loan period is 14 years.

According to reports, students to student borrowers to have been full-time regular undergraduate institutions, vocational schools and colleges (Ministry of Education list of schools published date) formal admission; get real, legal, valid admission notice to students or school students; family financial difficulties, insufficient to pay the income received by the students during the school’s basic costs required to complete their studies. Meet the above requirements can apply for private college students. Year university students in reading in colleges and universities received national student loans, students may also apply to loans.

2. students and co-borrower ID card, residence booklet

After graduating first in the second year only the interest without principal payments, the third year repayment of principal and interest. Interest rate when the implementation of the People’s Bank loan of RMB loans same grade benchmark interest rate, not floating. Loan interest rate from the date of December 21 each year to adjust a (specific to the contract shall prevail), the adjusted interest rate adjustment date for the People’s Bank of the same grade benchmark lending rate.

news link

reported so far this year, Nanning City, the family received a total of 4750 loan application college financial difficulties, has completed the materials reviewed and signed the loan contract 3665 copies, signed loan agreements amounting to 2029.67 million.

freshmen from economically disadvantaged families or college students, log https://sls.cdb.com . cn / web site for real-name registration, fill out personal information online and submit loan applications.

1. student card (non-students) or the acceptance letter (students) and a copy of an original were

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loans to parents and students to demonstrate contracts and undertaking

minimum loan term of not less than six years, the longest no more than 14 years. Students in school loan repayment without interest by the state compensation.

student loans after signing the loan contract, that get automatically generated Alipay online personal account to receive loans.

Note: counties (districts) in addition to the Student Financial Assistance Management 1 October to 31 December and the holidays addition, the application is accepted throughout the year.

students and co-borrower (father, mother or other guardian) who stamped and certified by the department’s qualification loan applications Table 2 , and other application materials to the county (district) Office of Student Financial Assistance Administration loan application,home loan, other application materials include:

in Frankfurt KfW said in a statement , the loan will be used to help Maharashtra Power Generation Co. Ltd. to build a 125MW of Shivajinagar Sakri power plants. The power plant will cost 370 million euros , its capacity can be expanded to 150MW,home equity loans, enough to power 400,000 households of individuals .

related parties , according to City Board of Education ,home loan, and Hunan Xiangtan , Zhuzhou and other seven counties in the province started within the first students in Hunan Province, China Development Bank credit student loans . Application object for the household in Hunan Province, students from economically disadvantaged families (with admission notice of the new and current students ) , including full-time regular undergraduate institutions, vocational schools and colleges of the specialist , and second- degree graduate student . Loan amount per person per year does not exceed 6,000 yuan, according to full-time loan principle, the specialist academic life ( in the remaining life of students by school system ) plus up to 10 years to determine , the minimum loan period of not less than five years , no more than 14 years.

[ draft Source: Changsha Evening News ]
[ Author : Zhu Yanhuang ]
[ Editor: Liu over ]

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3, how to use the remaining funds accumulated family assets in order to make life more abundance.

children’s education plans have a certain periodicity, in children 3 years ago, bringing a larger proportion of gold, milk, clothing and other expenses, like have missed; then kindergarten, elementary, middle and high school education spending showed a decreasing trend gold, tending gradually smooth gold; even when their children enter college to study abroad during this period, education Child support payments are payments increase sharply. Gold preparation in the education process, should follow the following principles: plan ahead, earmarking, increasing the value, in order to ensure the safety education payments. The purpose of education is not gold reserves in order to obtain short-term high returns, but should pay attention to risk diversification, long-term investment, sound investment.

1, cash planning

5, investment planning

leave enough reserve funds necessary for the family. Cash planning based on scientific principles, individual or family holdings of liquid assets as a daily petty cash, should be able to meet its three to six months of living expenses. According to Mr. Ma family assets, couples work more stable, it is recommended to stay less than 3 million as the necessary reserves, and select the currency fund investments. At the same time, Mr. Ma can apply for credit cards, so that when the emergency funding needed to use,home equity loans, but to maintain a good credit rating.

financial advice

in this middle-income families, insurance, the most important is the embodiment of high security, the amount to be based on the proportional contribution of family income distribution, the proposed Ma focus on term life insurance and health insurance. For himself and his wife, daughter, added accident insurance, to further improve the family’s security level.

2, balance of payments situation analysis

financial goals

couples are gradually entering middle age, in addition to Social Security, the pension is not ready to have thought about the quality of life in old age, totally dependent on social security pensions, irregularities. Ma proposed by 1150 yuan per month, is scheduled to vote on the annual return rate of 8% of the five-star stock funds, 24 years after the funds are expected to accumulate about 100 million. Fund investment advantages investment in batches, reduce risk, long-term investment, add up, automatic debit, worry and effort. Now at fixed threshold scheme is very low, usually starting at 100 yuan to 300 yuan, will not bring extra pressure. Must buy a fund at fixed time to see results, preferably for 3 years. A simulation of Taiwan weighted stock price index statistics show that at fixed as long as the investment of more than 10 years, the loss probability close to zero.

3, her daughter’s education payment plan

Mr. Ma is the motor Factory worker, wife, financial institutions, work and more stable income. Daughter is 9 years old, are in primary school. Current family income is more appropriate, but with the increased spending on children’s education, etc., the overall household spending will increase.

1, want to know whether the family business insurance cost overruns.

investment assets: bonds, funds, stocks, class 40,000 yuan, accounting for 6% of total household assets.

2, risk protection insurance plan

should make early retirement plan. China is entering an aging society, experts say 2025, China’s elderly population aged over 60 will account for more than 20%, you want quality of life, should retire as soon as possible to make reasonable arrangements.

Ma, Peking Man, 35, is motor factory ordinary skilled workers, after-tax income of 4500 yuan per month; wife financial institutions to do the work, after-tax monthly income of 3,500 yuan. Ma family year-end awards 1.5 million, the average monthly living expenditure of 2600 yuan. 9-year-old daughter, an annual education expenses 8,000 yuan. The couple’s social security and commercial insurance are insured of $ 150,000, the protection period to 70 years only, the annual premium 9,000 yuan.

housing situation: a set of housing, the market value of $ 500,000, no loan.

Ma’s daughter, 9 years old, is expected to 8 years after college. Average annual cost of an ordinary university $ 20,000, general domestic graduate students calculated the average annual 30,000 yuan, a total of about 14 million; annual growth rate of 4%, 8 years after the payment of higher education is about ready to 190,000 yuan. Mr. Ma recommended education for her daughter to open accounts, fixed investment and 1500 yuan per month annualized return of 7% in index funds, approximately 8 years to get ready.

through insurance and risk management planning, families can make the appropriate level of economic security and reduce the uncertainty caused economic losses. Mr. Ma is a strong sense of family risk protection, the couple have social security, and the family are guaranteed to add class to do business insurance. According to finance the Ma family insurance income ratio = 9550/94000 = 10.16%, from a cost point of view, expenditure is more appropriate.

2, how to raise her daughter’s education payments.

Ma there are deposits, housing a total of 645,000 yuan, debt free. Current ratio = Current assets / monthly expenditures = 120000/4000 = 30; savings ratio = earnings / income = 62800/111000 = 0.57. Data show that a larger proportion of fixed assets, Ma, of 77.5%, weak liquidity; savings ratio of 57%, demand deposits more than a reasonable standard. By ratio of science, to retain demand deposit about 30,000 (that is, spending 3-6 times per month) than the right.

Insurance: The couple have social security, protection class families to buy a regular commercial insurance. Recommended the type of home insurance, make the appropriate add.

financial case

through the planning, in addition to household balance 10% -20% for savings and keeping the type of investment, the surplus of about $ 60,000. Existing investment advice and financial products $ 40,000, total of 10 million portfolio together, add choose some balanced funds, bond funds invest regularly, in the reasonable premise of risk control, to enjoy benefits of long-term growth of capital markets . Through portfolio investment, the accumulation of household assets, can gradually improve the quality of family life.

3, other financial analysis

r n texttop + + board_shares.summary.time +

financial planner Liu Ocean

4, retirement pension

1, balance sheet analysis

currently Ma family cash and demand deposits $ 80,000, bonds, funds, stocks like 4 million, a $ 500,000 from the housing, household appliances worth 25,000 yuan, debt free. Ma wife is the most troublesome problem in today’s inflationary pressure, how to keep increasing the value of household assets, as well as the accumulation of her education payments, in addition to the couple’s pension is also prepared to consider.

general speaking, the Ma family is an ordinary working families, asset structure is simple, financially sound, debt free, saving and investment in the fund more flexible, but the smaller scale of investment, capital gains are weak.

of student credit student loans is a national development banks and other financial institutions to eligible families with financial difficulties college students and student payments , student enrollment in the county where the former residence ( city) for the help school loans, this loan credit without collateral . Students wishing to apply for loans can be registered

Standard S & P said in the second half so far , offering a low annual rate of two percent over the first half progress last week total size of structured finance bonds sold $ 2.5 billion for the year so far 1,202 billion ( annual rate of one hundred million U.S. dollars into 1,960 )

today, only one asset-backed securities (ABS) announced the new debt .

Royal Bank of Canada and UBS $ 522 million new Hampshire Higher Education Loan Corporation of new debt and the Co- lead Managers bookkeeping line , which transaction entirely by the Federal family Education Loan program (FFELP) loans .

give this case a new S & P AA + rated debt .

loan fund to support the use of public rental construction, such as the visit, it will be once again to force protection of housing construction in Shaanxi. It affects more than just a bunch of data, a few slices of buildings, but more low-income groups, especially new jobs college students, migrant workers and so live the dream.

in the pilot work, Xi’an to strictly control credit risk and ensure financial security throughout the experimental work has always been, from the project assessment, registration of collateral to pay for projects, Shoufang Kuan return the whole course of monitoring.

2010 In April, the Ministry of Housing and Urban pilot project in Xi’an conducted field visits. In June, the city holy to determine the combined seven home loan fund to support the use of affordable housing pilot projects with a total construction area of ​​2,144,800 square meters, total loans to 3.53 billion yuan. At this point, Shaanxi Province, officially launched the housing fund of idle funds to support construction of affordable housing pilot project, began construction of affordable housing financing to crack the difficult ice-breaking trip.

Shaanxi As the first province to make use of state housing fund to support construction of affordable housing policy proposals and introduce relevant policies of the province, as early as 2008, but the rapid development of housing fund for low utilization, a lot of money deposits, the lack of affordable housing construction funds the status quo, the former province of Shaanxi Provincial Department of Construction on the proposed use of housing fund to support construction of affordable housing proposals.

ice: the first step towards exploring

pilot cities in accordance with the conditions and the pilot carried out the idea of ​​balance in the province, the Office combined fund balance of the amount of funding, affordable housing and other construction tasks, and demand an examination of the reporting cities. Recommended Yan’an, Hanzhong, Xianyang City for the second batch of pilot cities. Yan’an in northern Shaanxi Area as a pilot city, Hanzhong City Area as a pilot city in southern Shaanxi, Xianyang City, as the Guanzhong Area, according to Xi’an, Xi’an Xianyang integration model into the scope of the pilot.

2010 年 10 January 20 ~ 23, the Department of Housing and Urban Inspection Unit of the experimental work in Shaanxi Province were examined, that the the first pilot province, the first step in the country, played a good role model. In June, the Ministry of Housing and Urban inspection teams check again, the advance planning of Shaanxi, the progress of work to give full recognition.

Xi’an organization from management to project loans for the pilot to do the preparatory work. They transferred the ability to work and strong sense of responsibility of the professionals at the establishment of affordable housing projects, clear job requirements and responsibilities. To strengthen project management, to ensure absolute safety of funds, the city’s housing fund management committee has set up a project loan review committee,home loan, set up a fund center city project review team leader, formed from the project at the central leading group project assessment, and management committee Loan Review Committee will be the project to the city government’s four assessment modes.

in accordance with the Department of Housing and Urban use of housing provident fund loans to support affordable housing pilot Kuomiangongzuo the arrangements, the current , Shaanxi Province Department of Housing and Urban-Rural Development are actively making the declaration of the second batch of pilot cities to work has been in the financial, the People’s Bank, auditing, banking regulatory and supervision departments in the cities on the basis of a declaration and an initial assessment to determine the declaration city, support for the proposed affordable housing project were screened reserves.

expectations: the pilot to be trend, but there are still some contradictions and problems, such as a single pilot project, all affordable housing, and the great demand for public rental housing is not involved.

present, Shaanxi Province, the pilot is progressing smoothly, the safe operation of loan funds. Xi’an seven pilot projects, has started construction of five, completed an investment of 1.39 billion yuan, total investment of 27%. According to project schedule, 2011 Xi’an plan housing fund construction of affordable housing loans 1.95 billion yuan, plans to start a new 807,800 square meters.

advance: three cities in Shaanxi longer be included in the pilot ring

model: pilot work carried out smoothly acclaimed

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Shaanxi housing and urban construction department officials said they are trying to find solution, will be present, based on the summary of the pilot experience to explore expanding the scope of the pilot, innovative pilot model. It is reported that Shanxi Province under the mode of operation – closed to run the model: fund capital – home equity – rent (houses, money) – the principal fund.

2009 March National The two sides of housing provident fund loans to support housing construction pilot project to reach a consensus, the formation of a memorandum.

2009 In February, the Office has submitted to the Shaanxi provincial government issued a housing pilot, synchronization requires the municipalities and districts to develop specific implementation plans.

to strengthen social supervision, Xi’an, workers paid into the fund on behalf of the organization of seminars to introduce the policy, inform the construction of the project, solicit their opinions and suggestions from the organization and mechanism to ensure the city’s use of housing provident fund loans to support housing construction pilot project running smoothly. The city center is also active with the fund management entrusted contacted the bank, agreed to handle the business process, signed a Meanwhile, the city through the establishment of housing provident fund loans to support affordable housing projects operating platform, the Ministry of Housing and Urban Construction in time with the provincial supervision office, commissioned by the private network to connect banks and operate independently, setting authority to operate the distribution system jobs, in order to control 3 side convergence project loans and orderly, effective monitoring.

see from the way of security, Jintan, Liyang county women small loans guarantee security center relies on local farmers to effectively resolve the security problems peasant woman. Urban women small loans mainly to guarantee, mortgage, pledge three kinds of guarantees, which ensure 164 pen, 44 pen mortgage, pledge a pen, most of the way to ensure the security guarantees for the security company.

small loans for women launched in promoting women’s career on the post, post, under the employment of women, promoting national entrepreneurship played an active role.

On this basis, the area also support the formation of their own characteristics. Among them, Liyang City, the first established in Changzhou area allocated 1 million yuan by the municipal finance the establishment of Guarantee Fund also has a

Maoshan old revolutionary base areas in Liyang Zhuze Song village on the town, there is a well known livestock Hing Bamboo Research Center, Center for Jiangsu province female experts She gratefully said: founder of the Liyang Xingzhu livestock research center. After years of hard work, the center covers an area of ​​30 acres, has production space 126, the introduction of French varieties of fine layers to achieve a standardized one-stop mechanized farming. For the aquaculture industry bigger and stronger, Hu has been thinking to continue to expand the scale of farming, but the money is not the bottleneck is always a cross over the ridge.

from loan types, personal loans women small loans for women the main types, accounting for more than 97% of total loans, a loan is engaged in types of farming (plant) industry, 169, individual businesses 103, operating small businesses 6. There are also four women farmers in partnership specialized cooperative economic organizations and three labor-intensive small businesses.

2009 end of Changzhou Municipal Finance Bureau, the city Human Resources and Social Security Bureau, the Municipal Women’s Federation and other five departments jointly issued the small loans financial discount the opinions And clearly meet the conditions of urban and rural women of credit, small loans of financial institutions handling the new release of personal small loans is generally the amount paid was $ 100,000, the larger the amount paid can be relaxed to 50 million, of which 100,000 element to give financial discount. Repayment and interest, loan interest settlement agreed by the way, floating interest rate controls in the benchmark interest rate of 10%.

City Women’s Federation, according to statistics,home equity loans, since January 1 last year, women working full small loans since the start, as the end of July 2011, the city has a total women small loans released 285 pen, 53.35 million yuan, January to July this year, of which loans to 25.52 million yuan, the year is expected to grant 40 million yuan.

from lending targets, since 2009 up to apply for small loans of objects, mostly rural women, accounting for payment of the amount of loans reached 61.6%, 25.1% of urban women, female college students and small business loans accounted for 13.3%.

paid 40 million yuan this year

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at her wits’ end, women small loans to spring flowing into her heart. size, also led to support more than 100 poor women and ethnic minority families more than 30 households.

women to get loans, the highest was into