翻譯英文 - Banking (Urgent)
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強積金上限供$1,500條例已於2014年6月實施, 為何2014年5月計算供款入息比例表時仍然強積金只扣取$1,250, 因客人6月已開始供款
計算供款入息比例表時, 支出部份是否會計算管理費, 保險費等, 因表中其他費用例明要計算相關費用
客人續借時, 合約中舊戶口清數銀碼只有一個大數, 沒有例出舊戶口其律師費
- 石破天驚Lv 45 years agoFavorite Answer
The (amendment of) ordinance relating to the increase of the maximum mandatory contributions (of MPF) (from $1,250) to $1,500 has taken effect since 1 June 2014.
Why were the figures still shown as $1,250 in the "Percentages of Income for Mandatory Contributions Table" as compiled in May 2014, knowing that the clients would start the contributions in June 2014?
The aforesaid table was to be modified accordingly only after the amended ordinance had officially been put into effect in June, but not before.
When compiling the "Percentages of Income for Mandatory Contributions" table, [支出部份-expenditure???, or direct debit] is it necessary to calculate other charges such as management fee, insurance premium, etc. to be included as the sum of "direct debit", as so specified in the table for the calculation of "Other Charges" ?
(note: the bank deducts (by debit; or direct debit if from other bank) the account of employers for the contribution and other charges...)
It depends on the declaration made by the clients as to whether the related fees would be paid by the clients themselves.
(客人續借 what?? ~ personal loan, second mortgage, credit card, 加額續借top-up??, not very clear ...)
When the client topped up the existing personal loan, there was only one lump sum shown as the "redemption amount' (last repayment of the old loan) in the loan agreement without listing out the legal fees on the old account.
The client will be clearly explained that the new loan amount will include the legal fees as incurred for the early redemption of the old loan (account), when he/she come to sign the agreement.
2015-04-17 05:55:49 補充：
Thanks for Duncan's input:
2. in terms of expenses, is it necessary to include management fee, insurance premium, etc. into "Other Charges", as so specified in the table for the calculation of "Other Charges" ?
2015-04-17 06:05:26 補充：
shown as "outstanding balance of the existing loan" (redemption is for mortgage)
incurred for the early "repayment" of the existing loan
- 5 years ago
做銀行Auditor, 應該很熟d 銀行terms, 唔多似喎!
the expenses (which are to be paid to different third-parties...)
the outstanding balance of the old loan account
(note: For top-up loan, the legal fee, repayment handling fee etc are included into the new loan principal amount)
- 5 years ago
$ 1,500 limit for mandatory regulation was implemented in June 2014, why in May 2014 contribution income ratio calculation table MPF still only deduct $ 1,250, because the guests have started to contribute June
Contribution to income ratio in the table will be changed after the formal implementation of regulations (June), does not require prior
Income when calculating the contribution ratio table, spending part of the management fee is calculated, insurance, etc., because the table next to calculate other costs related expenses cases
Not necessarily, it depends on the guests declare whether they pay fees
Upon renewal, the contract number of old silver clearing account code is only one large number, no cases of the old account by their attorneys' fees
Guests will be clearly explained with the guests when the Qing code number of silver will sign a contract including attorneys' fees