Three Major Financial Packages For College Students

In the beginning of the new year, many college freshmen have learned to live a long life and are about to start a new experience in their life.

University, to a great extent, is also the beginning of the students' independent life.

Many people begin to leave their parents' arms and live together with their classmates on campus. They begin to learn to take charge of their own lives independently.

Of course, this includes managing your own money.

Although many parents have consciously cultivated their children now,

Therefore, for parents or students, this is not a small challenge. We are equipped with three major financial management packages to help you staff officers.

Over the past few years, higher education costs have also brought great burden to parents. Especially for families whose families are in poor financial condition, their children receive higher education, which means greater economic pressure.

Of course, the national student loan can play a certain role. In addition to alleviating the temporary problems, student loans also enjoy preferential policies of national financial discount.

It is worth mentioning that since last year, new programs for student loans have been launched everywhere, changing the way that students used to apply for admission to local universities after entering school. Before entering school, they can rely on the admission notice of colleges and universities to apply for the national student loan in advance at the location of their residence.

According to the Shanghai student affairs center, the advantage of the student loan is that the loan management is more controllable, reducing the risk of the national student loan, and at the same time, it is closer to the needs of the college students.

For example, the per capita household income of some large cities is relatively high, so it is difficult to meet the policy of applying for student loans in some other universities in the field.

In addition, the application for student loan before enrollment is also convenient for handling various procedures.

Take Shanghai city as an example, it has launched three centralized acceptance opportunities. In addition, it can also apply through the network.

The student source student loan is under the framework of the national student loan, so the various application conditions and the preferential treatment can be enjoyed.

Of course, because the national student loan is a preferential policy loan, there are certain conditions for the examination of students and families.

If you do not meet the requirements and wish to apply for a student loan, you can consider the business student loan.

At present, some banks have also set up commercial student loans, mainly aiming at students who receive non compulsory education to help them complete their studies.

For example, ABC can set up business student loan business, and the term can be divided into 1 years, 2 years, 3 years, 4 years and 5 years. The amount of loans is determined mainly according to the tuition and living expenses required by university students during the period of school.

However, interest on commercial student loans can not enjoy financial subsidies, and interest rates are basically consistent with benchmark lending rates.

Kit 2: choose the preferential bank card.

Many universities will help freshmen set up debit cards for some banks when they enter school. Tuition fees are also paid through the pfer of debit cards.

Generally speaking, a debit card collectively opened by schools will also set up facilities such as self-help ATM machines around the school, so that the cost of interbank withdrawals can be avoided.

You know, the amount of withdrawals is often not high, often only a few hundred dollars. Relatively speaking, the proportion of fees generated by interbank withdrawals is very significant.

Therefore, if you often use bank cards with self-help equipment around schools, you can save a lot of money.

Parents usually send their monthly living expenses to their children through bank pfer.

At present, there are mainly two banks in China, including Ping An and Xingye.

Among them, Ping An Bank has implemented a multiple fee reduction policy for its debit card since last year, using the debit card issued by Ping An Bank to inquire or withdraw cash on any ATM machine with UnionPay, either at home or abroad. At the same time, the international debit card with Master logo issued by Ping An bank is also free for querying and acquiring any Master marked ATM anywhere in the world.

In addition, the use of Ping An Bank's online banking and telephone bank to pfer the city's inter bank pfer and pfer from other places to other countries can be free of formalities; the fee for cross border pfer is not more than 20 yuan.

Societe Generale E card free range is more comprehensive, this card can be used online, for remittance, payment, online shopping payment operations, can also apply for physical cards.

For Xingye E card real card, there is a unique free pfer function.

If you use the Societe Generale E card to pfer the accounts to the [25.95 1.25%] enterprise and personal account of Xingye Bank of the whole country, you will not charge any fees.

If other banks are receiving money, but the location of the receiving bank is located in the outlets of the industry, the same does not charge pfer fees.

For example, if parents use reformed E cards to remit accounts to ICBC accounts in Nanjing, there will be no pfer fee for the cross border remittance because there are also outlets in Nanjing.

In addition, parents can also set up family cards and family accounts at the Construction Bank, which is very similar to the subsidiary cards in credit cards.

Each account holder can own a "family card". Each family card can set up the password separately. With this card, you can independently access all kinds of daily pactions such as access, remittance, etc. on the same "family account" on the Bank of China Construction Bank, internet bank, telephone bank, UnionPay ATM and POS on the basis of the card, and can check the information dynamically of the account at any time, which is very suitable for providing children with such functions as living expenses.

Whether or not students should apply for credit cards is also one of the parents' greatest concerns.

Not long ago, the CBRC issued a standardized issuance of student credit card business. The reason is that too many credit cards have not been of great benefit to college students who do not yet have the ability to earn independent income.

In order to prevent it from happening, parents can apply their credit card subsidiary accounts to their children so as to monitor their consumption and use.

Kit 3: financial novice training

University is also a good opportunity for financial novice to train soldiers. Freshmen may consider it from two aspects.

First, learn to manage your finances.

Such as the use of electronic accounting software is a good idea, in these software, you can set up some accounts in advance according to the characteristics of their consumption, for example, for college students, there are common daily expenses, books, entertainment and other items, in the bookkeeping time to avoid a large amount of duplication of work, improve the accounting initiative.

And now many websites launched the "accounts and visitors" platform, which combines bookkeeping and log blogs, and can communicate with other "customers" to make accounting more interesting.

In the process of bookkeeping, not only can we roughly grasp the expenditures already spent, but also gradually learn how to balance the expenditure and income.

Secondly, college students can also begin to try out some relatively common financial investment tools, such as bonds, stocks and funds, which invest in low investment and small amount of investment. In addition to understanding their characteristics and trading principles in theory, students can also borrow money from their parents for a small amount of investment.

Through this way of "mental labor + capital operation", college students are expected to get extra investment income. The most important point is to get in touch with investment products earlier and familiarize themselves with how they operate. In the future, when they get their jobs and earn their own income, they need not spend more time and energy in learning, so that they can achieve their own assets value and value through investment tools.

In the accumulation of wealth, the earlier we start, the snowball effect will make the accumulation of wealth more fruitful.

This ability will be a very valuable asset for college students throughout their lives.