Families with the following conditions meet the application criteria for student loans: 1. Poor households in rural agricultural and pastoral areas, low-income households in rural areas, and poor households who have established files;
2. Poor families in old, young, marginal, poor and remote rural farming and pastoral areas;
3. Families of orphans and disabled persons;
4. The family suffered huge losses due to the disaster;
5. Family members suffer from serious diseases;
6. The founder of Family Key Income lost his job because of something;
7. Single parent families with no fixed income;
8. Families where one parent is fired.
We should pay attention to that when granting student loans, we must provide the poverty proof of family economic development issued by the relevant departments of the city where the family is located. Students themselves must be legally responsible for the authenticity of the information provided in the certification documents.
How to save the elderly regularly? What the old man wants to save is a stable degree of safety. Therefore, they have the following skills when making deposits:
1, large deposit or time deposit.
Old people can deposit some of their doorknobs in large bank deposits or deposit them regularly without funds, in pursuit of a perfect and relatively stable deposit income. The longer the term, the greater the annual interest rate. At the same time, when depositing time deposits in banks, you can choose twelve certificates of deposit, stepped deposits and other methods.
2. Depositary bonds
China's national debt is a bond publicly issued in China. Because it is personal credit, it is basically risk-free. The elderly can choose to buy when the time limit for issuing government bonds is set.
3. Monetary Fund
The coordination ability of money and funds is high, and the expected rate of return is much higher than that of current savings. You can choose to use some funds to buy some money funds, that is, you can enjoy the benefits brought by the money funds and use them as daily expenses.
Step savings
This method is actually divided into two steps: a three-year cycle and a five-year cycle. Among them, a three-year cycle means sorting out all the funds and dividing them into at least four parts. One is used as cash or deposited in a savings card for use anytime and anywhere, and the other three are deposited in 1, 2-and 3-year time deposits respectively. After each maturity, if this large sum of money is not used, it will be put into a three-year time deposit again.
That's a long time. Many times, the depositor's funds are calculated in three years, and a sum of money will expire every year. It can have both profitability and coordination ability. A five-year cycle can't be explained clearly in a few words, so I made a report, which is the following picture. It should be more intuitive, because it is the same as a three-year cycle. That can ensure that the interest of funds is calculated in five years most of the time, but it takes a long time to produce this cycle, which must be five years. This operation is more advantageous in some private banks.
If the elderly have just retired, they can still try to save like that, but if they are very old, it is more appropriate to suggest a three-year cycle. What's more, at present, in some state-owned commercial banks, such as ICBC, the five-year interest rate is not as good as the three-year special price.
Twelve certificates of deposit method
What is the above method? There is a sum of money due every year. After the twelve-certificate-of-deposit method has a cycle, a sum of money expires every month, which is more suitable for depositors whose funds have been idle for so long.
To put it bluntly, suppose there is 12000 yuan, which is divided into 12 yuan, and 1000 yuan is deposited every month, all of which is deposited 1 year. In that case, the money will expire every month after 65438+February. When depositors are not in a hurry to use money, why not deposit the money they earn and deposit it again 1 year. If you need money badly, don't forget to make up a new savings immediately to prevent the cycle from ending.
Although this method for the elderly needs to go to a financial institution once a month, it can avoid too much money being deposited in a current account and try to experience the regular annual interest rate. At present, China Industrial and Commercial Bank has a limited deposit interest rate of 2% for the exclusive category of 1, which is roughly equivalent to the 7-day converted annualized income of Yu 'ebao. If it is integrated into depositors who pay by mobile phone, it will be easier to have Yu 'ebao.
In addition, if depositors know how to operate mobile online banking, they can also avoid the trouble of going to financial institutions. If they deposit money in China Agricultural Bank, they only need to actually operate mobile online banking every month, deposit the money and directly set the agreed loan term as 1 year. If there are new funds to deposit at maturity, it is also convenient to change the current account to fixed account.