Portugal++I want to know what the standard of living is there. How does it compare with China?

1. What's the living standard in Portugal? How does it compare with China?

Although Portugal's per capita income exceeds US$ 65,438+0,000, it should be listed among the relatively developed countries in the world, but compared with other countries in Western Europe, Portugal is indeed far behind. Take GDP per capita as an example. Among the EU 15 countries before the enlargement, only Portugal and Greece have just passed the target of 1 10,000 USD. The rest of the countries, except GDP between 20,000 and 25,000 dollars, are all between 25,000 and 38,000 dollars. According to the data released by the European Union, the EU's 25 old and new members are not only the lowest among 15 old members, but their per capita GDP is only 75% of that of the 25 countries, which is not as good as that of the newly joined Cyprus (83%). However, in these 25 countries, per capita GDP is not the only criterion to measure a country's economic development, and Portugal is not high. For example, the living standard index of Portugal is only equivalent to that of the Organization for Economic Cooperation and Development in Europe, Western Europe and North America (O degree is currently the lowest. Generally speaking, Western Europe is the most developed region in the world, but all countries are developed. Compared with other western European countries, Portugal is a "developing country" in many aspects. Ten thousand, the land area is only a little over 90 thousand square kilometers. Macau was ruled by 2 from the middle of19th century, and it was not until 1999 that China was recovered. In the 2004 European Cup, Portuguese President Sampaio was defeated at home, and the tears in his eyes only touched many fans when he won the European honor. Almost at the same time, Portuguese Prime Minister Barroso was unanimously elected as the new president of the European Commission at the EU-25 summit, which forced the world to look at this small country from a new perspective. The idea of becoming the first head of the EU after its eastward expansion and Portugal assuming the rotating presidency of the EU in the second half of this year may not be a big deal for western European countries, but it is a big deal for Portugal, which at least shows that it is recognized that its industrial base is weak and its agricultural production level is low. After the export of energy, raw materials and grain, a large amount of funds were allocated, the economy developed rapidly and the per capita income increased. 1986- 1990, at the beginning of the national economy, affected by the European economic recession, 1993 experienced negative growth, and 1995 began to recover. 1995- 1999, with an average annual economic growth rate of. Over the years, the Portuguese government has carried out economic restructuring and vigorously developed banking, finance, insurance, tourism and other service industries. 1998, Portugal's service industry, industry and agricultural output accounted for 60.7% and 32% respectively. The main economic figures for the whole year are as follows: GDP:11GDP:11938 USD. Economic growth rate: 3%. Currency name: escudo. = 187.9 escudo. Yes. Unemployment rate: the income system of 4.5% is complete, with high income paying more taxes and low income paying less taxes. The social security mechanism should be tested by the real living standard. In recent years, the government has gradually reduced the country's growth in grain and capital to below economic growth. The minimum wage for industry, trade, services and agriculture is 375 euros. Every 1000 households have 797 telephones, 562 cars, 962 televisions, 462 video recorders and 143 personal computers. There are various hospitals 1 126 in Portugal, with 3 doctors per thousand people and 3.9 beds1person. The average life expectancy of Portuguese men is 765,438+0.4 years, and that of women is 78.7 years. 1993 Portugal's per capita living standard was only 68% of the EU average, and 1999 this proportion rose to 74%. It is estimated that it will not catch up with the development index of other European countries until 2008. It has a relatively complete social security system:-Everyone living in Portugal, including tourists, must have medical insurance by law-Employees have old-age insurance and unemployment insurance-Social relief agencies As Portugal is a country with a complete social security system, the law stipulates that every citizen of the country should be included in this system. In principle, there are no homeless people and no beggars. There are no people who are sick and look down on the disease. People who have been to Portugal may see some street beggars, who are composed of two kinds of people: 1, people with certain disabilities. In fact, these people belong to organized begging gangs. They are controlled by the begging underworld in eastern Europe (Russia, etc. ). Beggars can't get money by themselves. Every morning, these beggars are transported to various begging points by this underworld in some way, and then dragged back to their hometown at night. 2. Young people without any disabilities. They often meet at the railway station. These people just don't want to work. They sit in the street all day, talking and laughing in small groups, smoking and drinking beer and watching football, which is equivalent to a cynical Portuguese problem of juvenile. Income Many people always regard income as disposable income. In fact, in Portugal, a welfare-oriented country, the social security system (welfare system) provides a relatively high standard of living for its citizens, which I will talk about next. The first thing I want to talk about here is the income that I can really control after paying all kinds of taxes and insurance according to law, which is what China people often call net income. Take a family of three as an example: generally speaking, both husband and wife work, and most of the children are taken care of by the elderly of both sides before going to school. The average family's monthly income is around 1, 500-2000 euros (compared with the current price of RMB, it is 1 euro and 10 RMB). Food: Food is the most important thing for the people, so I also put food in the first place ... As you can see, the food expenditure of families with slightly better income accounts for less than 10%, and middle-class families account for 20% of their income. To give a few examples, we can compare the prices in Portugal and China: lean pork: 3.99-4.99 euros pork belly (that is, pork belly with fat and lean meat): 2.49-2.99 euros pork ribs: 3.49-3.49 euros per kilogram. Pollution-free eggs are 0.5-0.6 Euro per box (6) and milk is 0/.2 Euro per box (in liters): ordinary fresh milk, pollution-free fresh milk is 0.5 Euro, apples are 0.8-0.9 Euro: Chinese cabbage is per kilogram 1.99 Euro: per kilogram/kloc-according to different seasons. 0.69- 1.29 Euro per 750g package (depending on where you buy it). Rice is 0.4 Euro per kilogram of chocolate (take 100g packaging as an example). Low grade: 0.35 Euro. Mid-range: 0.65-0.99 Euro. High-end: estimated 1.5 Euro. Housing: Most people live in cities. Portugal's real estate market is in a mature and stable stage, and it seems difficult to make a fortune by real estate speculation. In addition, Portuguese people generally pay attention to the enjoyment of immediate life and a relatively perfect social security system, and have much less worries than China people, so they have a lower desire to save to buy a house. However, some people in big cities like lions also invest in buying houses for rent. I want to take a provincial capital city with a moderate consumption level in northern Portugal as an example: renting a house (also taking a family of three as an example): the living area is 80 square meters, T2 (two rooms and one living room), and the rent is about 350 euros, plus gas, water, electricity, garbage disposal, etc., about 50 euros per month, and 400 euros for the whole month. This expenditure accounts for about 30% of household income. Commercial house: residence. 130,000 euros (including 50,000 self-raised funds and 80,000 loans), with a monthly mortgage of about 500 euros for 30 years. Plus water, electricity and garbage disposal, it is about 50 euros per month, and there are some taxes and insurance premiums every year. If you work alone, this expenditure accounts for about 40% of your income. In rural areas, they are generally independent houses (so-called villas in China), with an area of about 200 square meters, gardens and bought land of their own (land in China is state-owned and citizens only have the right to use it). Houses like this even have about 200,000-250,000 yuan (2.5 million yuan) of land. It can be seen that as long as there is a personal job (generally speaking, the husband's work income is higher), there should be no rent and no loan repayment. Cars: Cars are indispensable consumer goods. For them, the first-class cars should be Porsche, Mercedes-Benz, BMW and Audi, and then other foreign brands. I'm not an expert in investigating cars. According to my usual observation, I get the following general price and surrounding understanding. Most new cars are bought by installment, with monthly repayment ranging from 200 to 300. The price of gasoline is Euro0.2 per liter/kloc-0 (12 RMB). The insurance premium depends on the vehicle model (which may be classified according to the displacement in the future), driver's license and the number of years without traffic accidents, and 600 to 65,438+0,000 euros per year is the normal level. On average, repairing a car may cost 1 1,000 euros a year. The money spent on filling the car in a month is about 50 euros, which is about 1000 euros per month, accounting for about 5- 10% of the income. Vacation: Portuguese employees generally enjoy 30 days paid vacation every year, and with various festivals around 10 every year, migrant workers can enjoy about 40 days paid vacation! Portugal's enthusiasm for vacation is absolutely unimaginable. Apart from talking about football, I'm afraid the most talked about topic is vacation. Many families make plans a year ago, and book their itinerary, air tickets and hotels (usually packages). Then they wait for a long time, buy books at the destination or look up information online to enjoy the happiness beforehand. If it is a third world country, we should also pay attention to the local political changes, whether there are kidnappings, civil wars and so on. Infectious diseases, sea water temperature ... when you come back from vacation, you should sort out the vacation information and classify the photos. Then you may invite friends to get together, look at photos, talk about what you have seen and heard, and enjoy the happiness afterwards. Time and time again, it's time to prepare for the next trip. Unlike China, Portuguese people go on holiday. They usually go to the seaside to bask in the sun and bake sausages, bring some books, read books on the beach and enjoy sunshine avenue. When you meet him for the first time when you come back from vacation, you must praise him (her) for his (her) dark complexion, bronze color and more beautiful, so that he (she) will be very happy. Then he (she) will definitely take the initiative to tell you about his (her) holiday experience and let you share it with him (her). If you are in financial difficulties, you may go out once a year, and the destination may be Portugal or nearby Mediterranean countries (Spain, Italy, etc.). ). Every time the family spends about 1000 euros, because it is 14 month's salary, almost one month's salary is spent on vacation. If you have better financial conditions, you may go out twice a year, once in summer vacation and once at Christmas, and the cost will be higher. A year's savings is almost enough for a holiday. Some people even borrow money from the bank to go on holiday. Other expenses: Education: Education is not free in Portugal. In recent years, the reform has made universities spend about 500 euros per semester, which is lower than before. There is no tuition from kindergarten to high school, so parents only need to pay a small amount of books and a certain amount of lunch. In short, compared with China's parents, the Portuguese spend little on their children's education and will not be a burden. Clothing/communication: Portuguese clothing is actually very cheap if it is not a famous brand. For example, a pair of jeans 19.9 euros or 29.9 euros, a long-sleeved shirt 9.9 euros and shoes 65438+. At present, there is great competition among telecom manufacturers, and the expenditure in this area has also decreased. Broadband and fixed-line telephones can be settled at 19 euros per month. Gifts: Generally speaking, Portuguese people do not blindly pursue high prices when giving gifts. Relatives and friends can spend a few euros on a bottle of wine or flowers on their birthdays. Christmas presents will be more expensive, but they won't be a burden like in China. But the service industry in Portugal is not very expensive, so people often eat out. Other expenses vary from person to person. Now, let's sum up the monthly expenses of a family of three: income: 1500 euros; Cost:-Food: 300- Housing: 500- Car: 65,438+000 (including car depreciation, car repair, gasoline and insurance)-Other: 200 Total cost: 60. As ordinary workers, we have to admit that the standard of living in Portugal is not the same as that in China, but it is much higher. Don't forget that there is no gap between urban and rural areas in the living standards of Portuguese people; If there is, it is that people in rural areas have a higher quality of life than people in cities.

Two. 15 China bank mortgaged 1 260,000 yuan commercial house, how much is the principal and interest each month?

Look at your down payment first, and then calculate the rest according to the deposit principal and interest of 15, and divide it by 15, which is the annual repayment amount!

3. What is the share of People's Republic of China (PRC) and the Ministry of Finance in China Time Bank?

According to public information, up to now, the shares of China Time Bank held by People's Republic of China (PRC) and the Ministry of Finance are about 43.5438+0%. These shares are state-owned shares held by the Ministry of Finance, and the shareholding ratio has remained stable in the past few years. As one of the important joint-stock commercial banks in China, China Time Bank has been committed to strengthening the bank's capital strength and promoting business innovation and digital transformation in the past few years. As the manager and supervisor of China's national financial resources, the Ministry of Finance plays an important role in holding shares in China Time Bank and supervising the banking industry. In the future, with the changes in the financial market, the development of the banking industry and the deepening of the banking reform, the role and influence of the Ministry of Finance will be adjusted accordingly, so as to further play the role of policy guidance and supervision and promote the banking revolution and sustainable development.

Four. 15 years, how much is the monthly principal and interest of the 1 set of commercial housing mortgaged by Bank of China at 260,000.00 yuan?

You must determine how much down payment, how much interest rate rises, and what kind of loan method.