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Thread: 怎样利用汇率省钱?

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    Default 怎样利用汇率省钱?

    以需换取1万澳大利亚元为例,按照近期的银行牌价,需要支出人民币49080元,而如果选择外汇买卖,先换取美元,再把美元换成澳元,情况就有不同。例 如,按照当天的汇率1澳元兑0.5892美元比例计算,换取1万澳大利亚元需要支出5892美元,而5892美元的换汇你只要支出人民币48844.09 元,这样的话,你就可以节省人民币235.91元。
    但并非所有的外汇买卖后再换汇都省钱,假如要换的是瑞士法郎,按同一天的牌价,可能反倒要多支出人民币。如果想这样换汇,最好事先向银行外汇专 家咨询为宜。理财专家建议,家长在为孩子出国换汇前,一定要紧密关注外汇走势,尤其是一些大的事件可能会带来外汇市场较强的波动。如果孩子就在这一两个月 内出国,换汇前最好关注每周一的市场情况,因为这一天的行情以及各舆论的分析,有可能代表本周走势的整体基调。
    选择最佳汇款方式也能省钱
    同时,出国带汇和中途汇款也有不少省钱的门道。理财专家建议,在换完外汇后,以往很多市民都习惯选择电汇,而忽略了其他汇款方式。其实,如果 是首次出境,在国外尚未开立银行账户,而所去留学的城市正好有国内银行的网点,那么票汇也是不错的选择,因为它携带方便,并可以节省费用。比如,你要去英 国伦敦留学,学费10000英镑,在换完汇后,选择电汇将支付手续费人民币280余元,而票汇的手续费不到电汇的一半。当然,如果选择电汇,对应的银行也 最好是国内银行的海外分行,这样将省去汇款的中转费用,加快款项到账的时间。
    据了解,目前出国携带外汇的方式有现金、汇款、支票和信用卡多种形式。其中带现金的风险性最高,而且一次携带2000美元以上的现钞出境,需要 银行开具外币携带证;而电汇的时间一般需要3到5天,要缴纳票面金额千分之一左右的手续费、3%左右的钞变汇差价和150元人民币的电报费,这样总的费用 就在3%以上,汇款1万美元需要缴纳2000多元人民币的费用;个人旅行支票则比较适合一次性带大量学费付给学校的学生,在购买支票时要支付给银行1%的 费用,并且在使用时部分商户需要0.75%的兑付费。
    出国带汇或者汇款最好用信用卡,不仅能在全球数百个国家畅通使用,而且消费不用交一分钱的手续费,在ATM机上取款,手续费也在3%左右。 理财专家建议,家长不妨去办一张国际信用卡。这样既能省去开携带证的时间,又能免去携带现金的麻烦。通常一张主卡可以带两张附属卡,这样父母在国内持有主 卡,孩子在国外用附属卡消费,既能省去上千元的中间费用,还能及时掌握孩子在国外的资金使用情况。

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    我怎么换都是亏啊,因为有手续费和汇差,否则银行都倒闭了
    http://lotto.siteem.com 外汇智能交易,免费赠送50美金玩德州扑克

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    理想状态了,时间,点位都刚刚好,我是新手,做不到

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    看来用信用卡是不错的选择,能节省很多费用呢

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