Australia To Study &Nbsp; Experts Teach You How To Do Financial Planning.

In November, students who had received Australian visas began to prepare for the trip to Australia. Parents are more prepared for the cost of their children going to Australia, and spend a few years on studying abroad, even if they have this family. Economics Strength should also be rationally planned to make study abroad more economical. What are you studying in Australia? Conduct financial transactions As a customer manager of ANZ bank, I can provide a reasonable financial plan to the customers in need.

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As far as I know, many parents have enough funds to study abroad. They can say that studying abroad is not bad money, but they are afraid that their children will spend money in disorder. At the same time, parents will not be able to manage their children because they are not around. For this reason, some experts suggest that we can consider double currency credit cards, students carry cards to go abroad for credit card consumption, families regularly deposit RMB repayment in the country, and they can also control their children's consumption through the bill.

The secret of the best e-commerce platform can be revealed. In the near future, it is possible to find that the capital flow of the reversion institutions has changed dramatically. The main funds are plotting a new layout. For this suggestion, I think this is not the most economical way, because the dual currency credit card will go through the three yuan checkpoints of RMB, US dollar and Australian dollar. The bank will change the RMB into US dollars at the time of settlement, and then convert US dollars into Australian dollars, because the exchange rate will float and the parents will lose more.

　 For financial planning for studying abroad, I suggest that we should proceed from the following aspects:

1) pay students in batches.

I do not recommend that parents change their tuition fees and living expenses to students in a few years. After all, the money is very expensive. If students go to Australia to study in universities, the tuition fees for a year are usually between 15000 and 20000 Australian dollars. If the cost of living is calculated at a monthly rate of 1500 Australian dollars, it will also be around 20000 Australian dollars in the whole year. In the 4 years, the tuition fee will be 160000, and the students will get so much money for the first time because they will not spend any money on any plan because the tuition fees are paid by one year or one semester. After paying the tuition fee for one year, there is still a lot of money on hand. Students may buy all kinds of luxuries, catch up with fashion and even gamble. First When I was studying in Australia, I had such a classmate at the time. I spent less than two years to spend all my parents' expenses for 4 years, and finally to maintain a decent life by stealing.

Many parents worry that if their children are out of money, they will have a hard time and worry about their child suffering, so they will give their children a lot of money. In fact, parents' worries are totally unnecessary. If they give more money, children will only spend freely, and they will become dependent on their parents for a long time and lose their fighting spirit. If the money is not enough, the children will probably get some difficulties in their life, but he has learned to plan their money reasonably, or to earn money by themselves, so as to earn their living.

2) open overseas accounts.

Many parents will bring their children to a lot of cash when they go to Australia because they are worried that their children need to spend money when they are in a strange environment. This is not advisable. First of all, the Chinese government has strict regulations on carrying out foreign currency and cash exit. When leaving the country, it can only carry 5000 dollars of equivalent foreign currency. If a bank carry card is issued, it can carry only 10000 dollars equivalent to foreign currency, and carry more foreign currency. It needs to go to the local foreign exchange administration to issue approval, which is cumbersome and restrictive. Besides, carrying cash is not safe enough. In addition, there are many restrictions on the use of cash by Australian teams, especially large amounts of cash.

I suggest that parents can open overseas accounts in Australia through the bank, such as Australia New Bank, and deposit the money. Students will be able to use some procedures after landing. In order to ensure the safety of customers' funds, the funds of the entry account are frozen before arriving in Australia, which can only be transferred into the Australian account and can not be transferred and reflected from the account. At the same time, with a good opening letter, students can go to Australia New Bank branch to handle foreign exchange purchase and remittance business, and import funds into the account. It is worth noting that the purchase of foreign exchange requires carrying identity cards; if it is a family agent, it is necessary to provide identity cards, authorizations and family relationship certificates to me and the agent. The annual amount of foreign exchange purchased by Chinese citizens is 50 thousand US dollars. If the foreign currency is used for direct remittance, the bank will additionally charge the cash to cash remittance fee in addition to the remittance fee according to the state regulations. In addition, Australia's bank card number can not be used as a remittance account. Students can activate their accounts first and then go to any branch after obtaining the student card, and turn the account into a student account type.

3) study on housing

Housing education is also a popular financial management scheme at present. Parents can buy one suite for children in Australia, two rooms, one hall or three rooms, one hall, one child is independent, another house is rented, and the rent is the child's living expenses. However, overseas buyers have some restrictions on buying houses in Australia, such as buying only newly developed properties and obtaining government permits. At present, the price of a two bedroom or three bedroom market in Australia is 40-60 million Australian dollars. The rent of a house is around 700-800 Australian dollars. If the rent is two, then the rent is enough for the children to live in Australia.

4) handle fixed deposit business in Australia.

If the parents remit all the expenses to the child at once, it is suggested that parents ask their children to pay the tuition fee for one year (Australian tuition fees can be handed in half a year, or they can be paid once a year, many schools enjoy tuition discount for students who are paid by a single year). After a certain amount of living expenses is set aside, the remaining children will be kept in the Australian bank, because the Australian deposit rate is higher and the current deposit rate is 7-8%. Of course, parents can also handle the deposit business in domestic Australian banks, with a slightly lower interest rate than Australia, but their income is also considerable.