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2017/08/01

哪裡能借錢 利息怎麼算最低的方法!





2017-07-31 03:00

By Hung Jui-chin and Lu Kuan-cheng / Staff reportersA petition to replace Republic of China founder Sun Yat-sen’s (孫中山) image on the NT$10 coin with that of philanthropist Chuang Chu Yu-nu (莊朱玉女) had collected more than 5,000 online signatures on the National Development Council’s Public Policy Network Participation Platform as of Saturday.Until Thursday, the petition had received little attention since its June 20 launch, with just 28 people signing it.However, after the Liberty Times (the Taipei Times’ sister newspaper) on Thursday published a story about the petition, the number of signatures rose by 3,000 in one day and reached 5,000 on Saturday.The council’s platform allows the public to propose policies. A proposal must obtain 5,000 signatures within 60 days of its launch to warrant a response from the government, which means the government must respond to the coin petition by Sept. 29.Chuang Chu was born in 1920 in Penghu County’s Baisha Township (白沙). After moving to Kaohsiung, she met a group of people from Baisha who worked at the docks unloading cargo. She allowed them to live in her warehouse and offered them free meals.However, the expenses of preparing meals and accommodating the workers began to overwhelm her and she began charging each worker NT$1. The fee later rose to NT$3, then NT$10.Over the course of more than 50 years, Chuang Chu sold seven houses to cover the expenses of caring for the dock workers and homeless people.After she died in 2015, her relatives established the Chuang Chu Yu-nu Charity Foundation so that her philanthropic efforts could continue.Platform user “Kueiku” (歸谷), who launched the petition, said Chuang Chu’s charitable work and philanthropy set an example for all Taiwanese and that people would likely be reminded to emulate her if her portrait were on the NT$10 coin.Another netizen said Chuang Chu’s kind and earnest character made her a more fitting representative of Taiwanese spirit than Sun or Chiang Kai-shek (蔣介石), whose portrait was on earlier coins.However, one netizen cited the expense of minting new coins and said the government should put Chuang Chu’s portrait on the NT$10 coin when it issues new coins.Others suggested that the coin with her image be minted as a commemorative piece whose value could rise with time.The central bank said it does not have any rules on the design of coins, but that if new coins are to be minted, they should be conducive to promoting social harmony.However, secondary costs should also be considered, such as the cost of updating vending machines, parking ticket machines and electronic ticket value-adding machines at railway and MRT stations to recognize new coins, the bank said.新聞來源:TAIPEI TIMES

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台北書展基金會表示,今年台北國際書展進行全面性改造,吸引逾58萬人次民眾進場參觀,為近5年最高明年的台北國際書展將以「讀力時代」為主題,邀請以色列擔任主題國,並延續今年獲好評的相關措施包含展位折扣、延長開展時間、國際吧等活動。

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另外明年書展已規畫改造三館童書繪本主題館,除增設沙龍及活動區外,也將引入更多童書活動,展現跨界可能,將三館打造成大型親子閱讀中心。第26屆2018年台北國際書展,報名參展時間自本年7月27日到8月25日截止,相關資訊可上www.tibe.org.tw查詢。

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借錢經驗淺談!信用貸款利率最低-哪家銀行利率最低

小額信用貸款

針對一般民眾貸款的廣泛名稱,以信用作為借貸依據,相對利率較高,隨著每人不同身分、職業、財產等特性而有不同的利率及額度,一般而言,軍公教職人員、上市上櫃公司員工、五百大企業、以及低負債的民眾較容易申請成功,貸款額度也較優惠。

卡債代償

即是信用卡、現金卡餘額代償,是以較低利率的貸款產品,為您代為償還在其他發卡機構的信用卡、現金卡帳款。

本金

就貸款而言,本金指的是不含利息在內的借款金額,即不計應付利息的借款金額。

本金平均攤還法

每月償還不含利息在內的借款金額即為本金,而本金平均攤還法的利息計算方式則以貸款的金額扣掉已償還的本金餘額來計算,初期繳款的金額會較高,但繳款越到後期則會隨著本金的償還,需支付的利息也會逐月減少,相對的還款金額也會逐漸降低。

助學貸款

在學學生向銀行申請繳交學費的政策性低利率優惠貸款,學生畢業滿一年之後,才開始繳交利息,若畢業一年之內還款,只需繳本金即可,利息則是由政府來補助。

定存質借

在銀行或郵局的定期存款,定存質借可說是利率較划算的借款工具。如果是短期資金需求,又不想將定存解約、損失利息收入的話,「質借」的方式來資金週轉是不錯的方法。

金融卡借款

金融卡除了讓您提領現金外,還可以做「存摺透支貸款」,如果您帳戶裡的活期存款、活期儲蓄存款或定期存款愈多,與銀行來往時間愈長,可借貸的額度也就愈高。

青年創業貸款

政府為鼓勵青年自行創業的優惠貸款政策。只要創業三年內均可申請,第一年繳款可先繳利息,這對於創業者初期的營運及資金運用壓力減輕不少。

信用卡

信用卡亦稱為塑膠貨幣;它能提供民眾用來取代現金消費的通用工具。而「信用卡」是由各金融機構所認可發行,發卡單位會依照申請人的薪資所得、信用紀錄來評估核發信用卡的消費信用額度。

信用卡信用貸款

綜合小額信貸和現金卡的優點,強調高額度、低利率、快速核准借款。 一旦核准後,會有個專屬帳戶,日後每次繳還本金的部分,就會存入該帳戶,遇到急用也可至到此帳戶提出,省去等待時間與繁雜手續。

信用卡餘額代償

信用卡餘額代償是以較低的利率為您代為償還在其他發卡機構的信用卡帳款。

信用卡簡易信貸

只要持有信用卡每期繳款狀況正常,即可申辦。此借款利率一般會比現金卡還要低,不須具備保人及擔保品即可申請。金融機構為降低風險,依信用卡的額度而訂,通常可貸款額度不高,還款期限也短。若延遲還款,將以信用卡的循環利率來計算遲繳利息。

信用貸款轉貸

將原有月付較高的信貸,轉貸至其他較低利率的銀行進行貸款之服務,爭取較低利率或延長期數,讓您月付更輕鬆。

信用額度

信用卡的信用額度即是消費額度,也是所謂的循環信用額度。銀行會依據個人提供的財務能力、信用記錄等資料,設定信用額度。在信用額度內可刷卡消費,並享有循環信用的付款便利。

指數型信貸

通常係挑選國內十大銀行,以一年期平均定儲利率當做指標利率,外加銀行本身成本加碼來算出貸款利率。至於加碼的程度,也會考慮到申貸者的信用評分而定,指數型信貸大多每半年更動一次利率,是為了要調整指標利率。
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