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銀行貸款的年利率是如何計算出來的?

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The draft amendment sees the government injecting NT$20 billion （US$659.74 million） into the Labor Insurance Fund every year.

高雄市青年創業貸款率條件高雄房屋二胎票貼利息個人信貸查詢勞保局勞工貸款率利2017原住民小額貸款高雄融資借錢>原住民貸款補助個人信貸利率比較2017The draft act on retirement benefits of public-school teachers and personnel seeks to gradually phase out the 18 percent prefer個人信貸額度上限e國泰信貸條件哪裡可以借錢分期付款創業貸款代辦高雄汽車借款免留車>勞工貸款申請資格缺錢怎麼辦n原住民青年創業貸款利率tial saving 勞保貸款資格個人信貸額度試算rate.

Meanwhile, the insured monthly salary for private-sector employees and public-school teachers would be changed from the average of the highest 60 months on which premiums were paid to the average of the highest 180 months.

The Cabinet passed draft amendments to the Labor Insurance Act （勞工保險條例） and a draft act on retirement benefits for public-school teachers, which seeks to hike insurance premiums and lower income replacement rates.

2017-03-3103:00缺錢急用

For people who received a lump-sum payout upon retirement, the rate would be 12 percent in the first two years after retirement and would be lowered by 2 percentage points every two years, with a flat interest rate of 6 percent from the seventh year onward.

Workers and educators would also be allowed to carry their work years between jobs, including when they switch between the private and public sectors.

The income replacement rates for teachers would be lowered over a 15-year period, from 75 percent to 60 percent for retirees with 35 years of service; from 67.5 percent to 52.5 percent for retirees with 30 years of service; and from 60 percent to 45 percent for retirees with 25 years of service.

The premium hike is lower than what was proposed by the Presidential Office’s pension reform committee, which suggested to raise it to 18 percent.

By Chen Wei-han / Staff reporter

However, the 18 percent interest rate would remain for retirees 勞工貸款條件who receive a monthly pension of less than NT$32,160.

According to the draft amendment, the labor insurance premium would be raised from 9.5 percent of a worker’s monthly salary to 12 percent in 2022, in annual increments of 0.5 percentage points.

For pensioners 創業貸款利率receiving monthly payments, the rate would be 9 percent in the first two years after retirement, 6 percent in the third and fourth year, and 3 percent in the fifth and sixth year, after which the pensioners would not be given any preferential rates.

The Executive Yuan yesterday approved a series of draft amendments seeking to reform the pensions and benefits granted to private-sector workers and public-school teachers as part of a plan to revive the nation’s pension system.

FORWARD THINKING: The Executive Yuan’s proposal stipulates a revision to the rules in 20票貼是什麼22 to ensure that the nation’s pension system stays afloat for another 20 years

The government would assess the need for further premium adjustments in 2022 to ensure that the pension fund would stay afloat for another 20 years.

Currently, employees cove高雄市汽車借款勞保局勞工紓困貸款red by labor insurance with less than 15 years of contributions can only claim a lump-sum payment, while public-sector employees only qualify for monthly pensions if they個人信用小額借貸 retire from留學貸款ptt a public-sector position.

“The practice of ‘transferable work years’ will allow employees to move between jobs without being bound by pension restrictions,” said Minister Without Portfolio Lin Wan-i （林萬億）, who is also deputy convener and executive director of the pension reform committee.

The reform measures are expected to keep the Educators’ Pension Fund afloat until 2049, which is otherwise estimated to go bankrupt in 2030, and to keep the Labor Insurance Fund afloat until “several years” after 2036, Lin said.

“The pension systems will be reviewed every five to 10 years to deal with the effects of demographic changes,” Lin said.

The draft amendment and act are to be submitted to the Legislative Yuan for final approval.

新聞來源：TAIPEI TIMES

原住民貸款優惠個人信用貸款上限>哪裡可以借錢還當鋪


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