Youju Finance-A Gathering Place for Millions of Excellent Financial Planners
High-net-worth groups gradually begin to realize that investing in a single currency is risky, and only by diversifying assets can they truly achieve the purpose of hedging. Therefore, Hong Kong insurance has become the first choice for global asset allocation and risk hedging.
In 2018, mainlanders contributed 460,000 policies to Hong Kong insurance, with an average of about 40,000 policies per month. The annual premium was 47.6 billion Hong Kong dollars, with an average of about 4 billion Hong Kong dollars per month!
With so many premiums, mainland customers usually come to Hong Kong once, so it’s very troublesome to handle the insurance procedures and bank account opening procedures together. See Where is Dad going? Lu Yi went to Hong Kong with Belle to insure and open an account … ".
In recent years, mobile convenient payment method has become the mainstream of mainland cities, which has brought us convenience. So is it ok to pay the premium by mobile phone?
Hong kong insurance company launched heavily!
Wechat pays the premium!
You can pay the premium of the insurance policy in Hong Kong by simply scanning the RMB on WeChat.
According to the payment guidelines issued by Hong Kong Zhongyi Life Insurance Company, for policies with an annual payment of less than $10,000, you can directly scan the QR code on WeChat and fill in the amount and policy number to pay the premium. The exchange rate is converted according to the real-time exchange rate.
The operation steps are also very simple, only three steps are needed: scan the code-enter the amount and policy number-pay.
Step 1 scan the code
Open your WeChat and scan the QR code in the red box below.
2. Then enter the policy number and premium amount.
The amount cannot be greater than $10,000.
Step 3 pay
Enter the password and pay.
(The exchange rate is converted according to the real-time exchange rate at the time of payment)
Is it quite convenient? We can pay the premium by scanning WeChat. Whether other insurance companies will follow up, we are looking forward to it …
50,000 dollars exchange quota
As we all know, domestic individuals, each of us has the equivalent of $50,000 a year in foreign exchange settlement and sales quota. This amount, in each calendar year (that is, from January 1 to December 31), is only so much that we can purchase foreign exchange. If it exceeds this amount, there must be legal reasons, such as tuition fees for studying abroad, living expenses for studying abroad, overseas medical treatment, etc. The part that exceeds the amount needs to be provided to the bank with relevant supporting documents. Generally speaking, the purchase of foreign exchange requires a statement of reasonable use, which is also commonly called current account, such as traveling, studying abroad, etc. If it is used under capital account such as buying a house directly overseas, it may not be allowed.
For the purchase of foreign exchange within the limit of 50,000 US dollars, you need to fill out the Application Form for Individual Purchase of Foreign Exchange after July 1, 2017, and you can only exchange foreign currency with the equivalent amount of 50,000 RMB per year. In the case of more and more strict foreign exchange supervision, when individuals handle foreign exchange business, don’t just use the split method to avoid quota management, and ants are easy to be blacklisted when they move.
We have just learned about the quota management of domestic individuals, but if it is an overseas individual, such as a foreigner, this quota of 50,000 US dollars is not applicable.
What if it exceeds 50,000 dollars?
At present, for small payment, you can pay cash directly, MasterCard or visa. You can also use three kinds of cards together, half by credit card and half by cash. It is also possible to use several cards at the same time, and you can also use bearer promissory notes, but the limit of each insurance company is different.
Take the payment of AIA in Hong Kong as an example:
The following is HK$ 38,000 each time
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China Construction Bank (601939, Guba) 4-5 times (Longka cannot be swiped)
Bank of China (601988, stock bar) 3/4 times.
Xingye, Everbright, Pudong, Shanghai Bank, Standard Chartered China, Huaxia, Bank of Communications (601328, shares bar) (without hsbc logo)5-9 times, Bank of Communications (with hsbc logo)2-3 times.
Agricultural Bank of China 3-4 times
ICBC 4-5 times
Sometimes you have to call the bank immediately to open it, and you can go to the limit for less than 9 times to see the details.
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Investment promotion once is HK$ 38,000/month.
CITIC HK$ 15,000 once
Shanghai Pudong Development Bank (600,000 shares) HK$ 11,000 once.
Latest credit card (visa/master) information of AIA Payment Office in Hong Kong:
-CCB, ABC, ICBC, and Guangfa can be swiped about 4-5 times.
-Bank of China 4 times-Bank of Communications can be swiped about 1-2 times
-Merchants can only be swiped once.-CITIC can only be swiped once
-Pufa, Ping An, People’s Livelihood Not Accepted (0 times)
Remarks: You can swipe about HK$ 35,000–36,000 each time. Youju Finance advises customers to bring more credit cards, and the number and amount of swiping depends on the bank and the customer’s own credit card limit. In case of cash, each policy can accept up to USD 30,000 (or equivalent HK$) in cash.
This article first appeared on WeChat WeChat official account: Youju Financial Platform. The content of the article belongs to the author’s personal opinion and does not represent Hexun.com’s position. Investors should operate accordingly, at their own risk.