Do you need to check your family savings for student loans?

Student loan will check the family situation of the loan students. After all, the national student loan is specially provided for poor students to solve the problem of poor students being unable to afford the tuition fees during their studies. And if the child's family is in a good financial situation and the income is enough to cover the training fees during the school period, the review will naturally not be passed. Families in the following situations are eligible for student loan application:

1. Needy households in rural farming and pastoral areas, rural subsistence allowance households, and registered poor households;

2 .Old, young, marginalized, poor and poor families in remote rural farming and pastoral areas;

3. Families of orphans and disabled people;

4. Huge families due to disasters Loss;

5. A family member is seriously ill;

6. The founder of the family’s key income has lost his job;

7. No fixed income Single-parent families;

8. Families where one parent or one parent is laid off.

Everyone should note that when applying for a student loan, you must provide a family economic poverty certificate issued by the relevant department of the city where the family is located. The student himself must be legally responsible for proving the authenticity of the information in the documents. How do seniors save regularly?

What the elderly want when depositing money is stability and safety. Therefore, they have the following skills when making deposits:

1. Make a large deposit or make a fixed-term deposit

< p>The elderly can put some of their unused funds into a large deposit in the bank, or make a fixed-term deposit to pursue a relatively stable deposit return. The longer the period, the greater the interest rate. At the same time, the deposit in the bank When making time deposits, you can choose methods such as the twelve certificates of deposit method and the step deposit method.

2. National bonds

Treasury bonds are a type of bond issued publicly by our country because of its personal credit as a carrier. There is basically no risk. The elderly can choose to issue treasury bonds. , launch a limited-time sale.

3. Monetary funds

Monetary funds have relatively high coordination capabilities and their expected rate of return is much higher than current savings. You can choose to invest part of the funds in purchasing some currency funds, that is, you can enjoy the currency type The income from the fund can be used for daily living expenses.

Step savings

This method actually has two steps: 3-year cycle and 5-year cycle. The three-year cycle refers to sorting out all funds and dividing them into at least 4 parts. One part should be kept as cash or on a savings card, so that it can be used at any time, and the other three parts should be deposited in 1, 2, and 3-year fixed deposits respectively. After each expiration, if this large amount of money is not used, it will be deposited again into a 3-year time deposit for a fixed term.

Over a long period of time, interest is calculated on the saver's funds based on 3 years most of the time, and a sum of money will mature every year. Can combine profitability and coordination capabilities. The 5-year cycle cannot be explained in a few words, so I made a report, that is, the picture below, which should be more intuitive, because it is the same as the 3-year cycle. This can ensure that the funds will calculate interest for 5 years most of the time, but the cycle will take a long time, which takes 5 years. This operation is more beneficial in some private banks.

If the elderly have just retired, they can still try to save in this way, but if they are very old, it is recommended that a cycle of three years is more appropriate. What's more, at present, in some state-owned commercial banks, such as ICBC, the interest charges for a 5-year term are not as good as the special time for a 3-year term.

Twelve certificates of deposit method

What is the method above? Every year, a sum of money matures. After the twelve certificates of deposit method generates a cycle, a sum of money will expire every month, which is more suitable for depositors whose funds will not be idle for that long.

To put it bluntly, it is assumed that there are 12,000 yuan, divided into 12 1,000 yuan, and one 1,000 yuan is deposited every month, and each deposit lasts for 1 year. In this way, from December onwards, the money will expire every month. When savers are not in a hurry to use money, they might as well put the money they earn into it and deposit it again for one year. If you need money urgently for cash flow and use the money inside, don't forget to add a new savings immediately to prevent the cycle from being interrupted.

This method for the elderly, although you have to go to the bank once a month, can avoid having too much money in the current period and try to experience the regular interest rate. At this stage, the special one-year limited deposit interest rate of Industrial and Commercial Bank of China is 2%, which is roughly the same as the seven-day annualized return of Yu’E Bao. If you integrate mobile payment depositors, Yu'e Bao will be simpler.

In addition, if depositors know how to operate mobile online banking, they can also avoid the trouble of going to financial institutions. If they have deposits with Agricultural Bank of China, they only need to operate mobile online banking every month to deposit money. Come in and just set the agreed loan period for transfer to 1 year. If there are new funds to be deposited at maturity, it can also be more convenient to remortgage on demand.