This year should be felt by all of Taiwan. Since the government promulgated the new Qing’an housing loan policy last year, the housing market has been rising like a rabbit, and a lot of people are watching TV and following various celebrities. While scolding Xinqing'an for causing housing prices to rise indiscriminately, have you ever tried to look at this matter from another angle?
Regarding the matter of opening a store, because recently I was selling a store, and I kept encountering my first-time entrepreneurs. They came to look at the house, and then talked to me about various dreams, how to make and modify it, and I wanted a large space and cheap rent. With various dream conditions, I can only say that ideals are always full! It’s true that opening a store will make you a lot of money, but a new decoration will easily eat up your initial cost first. That is the non-recyclable item that is more exaggerated than the rent. After all, if you stop renting, you will not have to pay again. , but if you spend a lot of money on decoration, you will lose it immediately. Unless your home is really rich and you are not afraid of burning money, as long as the store is beautifully opened.
From signing the contract to getting the certificate of ownership, the process took less than a month to complete. The main reason was that I kept chasing, and I also took the initiative to interact with the bank and say hello. I was skillful in seizing the time and talking in a homely manner. It was a good person. Ways to bring each other closer. When friends see each other and they like each other, they will help you a little bit. In the future, some auction house may tell you first that there is a referral fee for referrals and transactions!
The so-called "linkage" records credit transactions between individuals and financial institutions. The total score can be up to 800 points. Regarding the retention period of various records, please refer to the regulations of the Financial Supervisory Commission for details. It is mainly compiled and collected by the Joint Financial Credit Reference Center. Through this information, a national credit database is built to ensure that people's credit transactions and the domestic financial system can be sound and stable.
Recently, many people have privately messaged me because 34 banks were invited to drink coffee by the government a few days ago, causing everyone to panic and ask what should I do if they are really stuck in getting a loan for buying a house? After learning about it in detail, I found out that many of them are not really unavailable, but the loans are ugly!
The tax exemption threshold for 2025 is clarified. There are three categories that do not need to pay tax: 1. The annual income of a single person is less than 626,000 yuan. 2. A two-income couple with no children has an annual salary of less than 1.072 million yuan. 3. For a family with two preschool children, the annual income is less than 1.641 million yuan.
"Automatic advance payment" means that if the policyholder fails to pay the premium when it should be paid, the insurance company will send a registered reminder letter and give a grace period. If the policyholder fails to pay the premium after the grace period, the insurance company will use the policy value reserve to automatically advance the premium and interest due for the current period to keep the contract in force. It is worth noting that not all policies have value reserves, such as highly leveraged medical insurance, cancer insurance or critical illness insurance. Without policy value reserves, premiums cannot be paid.
Policy borrowing means using the policy you purchased to borrow money from your insurance company. When the policy you purchased begins to have a "policy value reserve (referred to as premium)" as the years increase, you can apply for a policy loan from the insurance company based on your existing premium within the total policy price. Common ones include long-term life insurance, annuity insurance, etc.
Exemption: Exemption: The main contract exempts you from paying insurance premiums. This means that if unfortunately you become disabled, the insurance will not only pay the premium you should have paid, but as long as you do not terminate the contract, the insurance company will help you with all subsequent insurance premiums. After paying it off year by year, the value of this policy will continue to be valid.
At first, I mainly wanted to help you how to legally save taxes from real estate, but I ended up seeing an annuity policy that was so awesome. In addition to being able to directly use leverage to save retirement funds, there are also dual-exemption claims. When the key point is really urgent, the policy loan has an ultra-low interest rate of 3%, and you can also help your children to make trust-like installment payments for insurance benefits. There are really enough exaggerations, so I have to study hard by myself how to help everyone with investment and financial management in the future.
