A. Portugal I wonder how the standard of living is over there? How does it compare to China?

Portugal, despite a per capita of more than 10,000 U.S. dollars, in the world when included in the ranks of the more developed countries, can be compared with the rest of Western Europe, Portugal is indeed a big gap behind. GDP per capita, for example, in the European Union before the enlargement of the fifteen countries, only Portugal and Greece this indicator just over 10,000 U.S. dollars. Of the remaining countries, except for those with a GDP of between $25,000 and $25,000, the rest of the countries have a GDP of between $25,000 and $38,000. Some people according to the information published by the European Union on its 25 old and new members of the electronic not only in the 15 old member states is the lowest, only equivalent to the average GDP per capita of 25 countries 75%, not as good as the new accession to the Union of Cyprus (83%)), in the 25 countries in the country Ran, the GDP per capita is not a measure of the degree of economic development of a country's only, Portugal's are also not high. For example, in terms of the standard of living index, Portugal is only equivalent to Europe and then, in the Organization for Economic Cooperation and Development (OECD) by Western Europe and North America (O degree is currently the lowest.). Overall, Western Europe is the most developed region in the world, but all countries are developed. Compared to the rest of Western Europe, Portugal is in many ways a "developing country". Portugal has a land area of just over 90,000 square kilometers, or 10,000,000 square kilometers. Macau, on the other hand, was ruled from the mid-19th century until 1999, when it was reclaimed by China. In Euro 2004, Portugal's President Sampaio for the defeat at home and only won the European medal when the scene with tears also do not know how many fans moved. Almost at the same time, Portugal's Prime Minister Jose Manuel Barroso was unanimously elected as the new President of the European Commission at the EU-25 summit, making the world have to be impressed by this small country. The first head of the European Union after the enlargement, as well as Portugal in the second half of this year to serve as the EU's rotating idea of the big names in Western Europe, such as may not count for anything, but for Portugal is not trivial, at least shows that it is recognized as a weak industrial base, low level of agricultural production. Energy, raw materials and food after the foreign body, get a large number of allocations, economic development faster, per capita income increased. 1986-1990, the national economy, the average annual generation of the beginning of the year, due to the impact of the recession in Europe, 993 years of negative growth, 1995 began to recover. 1995-1999, the average annual economic Growth rate of up to years, the Portuguese government carried out economic restructuring, vigorously develop the banking, finance, insurance, tourism and other service industries. 1998, Portugal's service sector, industry and agricultural output accounted for 60.7% of the gross national product (GNP), respectively, 32. The main economic figures for the year are as follows: GDP: 11 Gross Domestic Product (GDP): 11,938 U.S. dollars. Economic growth rate: 3%. Currency name: Escudo. = 187.9 Escudo. Pass. Unemployment rate: 4.5% The collection system is very complete, high incomes pay more taxes, and those with low incomes pay less taxes to test the social security mechanism out of the real standard of living . Government in recent years has gradually reduced the country's food, capital growth to be lower than economic growth. Industry, trade, services and agriculture and other sectors of the minimum wage of 375 euros. 1997 per 1,000 households with 797 telephones, 562 cars, 962 television sets, VCRs 462 units, personal computers 143 units. There are 1,126 hospitals of all types in Portugal, with 3.1 doctors and 13.9 beds per 1,000 people. Life expectancy is 71.4 years for men and 78.7 years for women, and the per capita standard of living was only 68% of the EU average in 1993, rising to 74% in 1999, and it is expected to catch up with the development indexes of the rest of Europe by 2008. It has a relatively good social security system: - health insurance is mandatory by law for everyone residing in Portugal, including, of course, tourists - pension insurance and unemployment insurance for employees - social assistance agencies As Portugal is a country with a complete social security system, the law stipulates that every citizen of the country is included in this system. In principle, there are no homeless people, no beggars, and no sick people who can't afford to go to the doctor. Anyone who has been to Portugal may have seen people begging on the streets, and they are made up of two groups of people: 1) people with some kind of disability. 2) people with a disability. 3) people with a disability. 4) people with a disability. 5) people with no disability. In fact, these people belong to organized begging groups. They are controlled by the begging mafia in Eastern Europe (Russia, etc.). The beggars don't get any money for themselves. Every morning these beggars are transported to various begging spots by the underworld in some way, and at night they are dragged back to their homes to hand over the proceeds of their begging. 2, young people without any disabilities. In the train station will often come across, these people just do not want to work, sitting on the street all day long, in groups of three to five, laughing, smoking and drinking (beer) watching soccer, the equivalent of cynical Portuguese problem teenagers. Income Many people always look at income as only that which is at their disposal. In fact, like Portugal, a welfare state, the social security system (welfare system) to the national security provided by the national standard of living of the country's nationals relatively high, which I will talk about next. The first thing I would like to say here is that after removing all the taxes and insurance required by law, you can really dispose of your own income, that is, the so-called net income, as the Chinese often say. A family of three people as an example: generally speaking, the husband and wife work, most of the children in the school before the two sides of the elderly to help bring up the children, the general income of the family per month for the 1500-2000 euros up and down (now with the yuan ratio of 1 euro for 10RMB). Food: Food is the most important thing for people, so I also put food in the first place. Compared to other countries in Europe, food accounts for a very low percentage of expenditure in Portugal. For a family of three, it is estimated that 300 euros per month is enough. As you can see, the percentage of food expenditure for a family with a good income is less than 10%. In the case of a family with a medium income, it is 20% of the income. To give a few examples, you can compare the prices in Portugal and China: Lean pork: 3.99-4.99 euros per kilogram Pork (i.e., a piece of the pig's stomach with fat and lean meat): 2.49-2.99 euros per kilogram Spare ribs: 3.49-4.99 euros per kilogram Eggs: Ordinary caged chickens, 0.5-0.6 euros per carton (6) of pollution-free eggs, 1.2 euros per carton (6) of eggs. Milk (in liters): ordinary fresh milk, 0.5 euros pollution-free fresh milk, 0.8-0.9 euros Apples: 1.99 euros per kilogram Cabbage: 1.99-2.99 euros per kilogram, depending on the season Whole-wheat toast (the so-called French bread with spiced rice), 750 grams packages of 0.69-1.29 euros per packet (depending on where you buy) Rice: 0.4 euros per kilogram Chocolate (100 grams of packages, for example): low-grade: 0.35 euros, mid-range: 0.65-0.99 euros, high-grade: estimated 1.5 euros, right Housing: most people who live in the city are renters, especially young people, the proportion of renters is higher. Conversely, the proportion of people living in the countryside who own property is higher. The Portuguese real estate market is already in a mature and stable stage, and it seems difficult to get rich by speculating on real estate. In addition, the Portuguese people generally focus on the immediate enjoyment of life and the relatively perfect social security system, worries than the Chinese people much less, so the savings and the desire to buy a house is low, but in big cities like Lion, there are people who invest in buying a house for rent. I would like to take the north of Portugal, a provincial capital city with medium level of consumption as an example: Rent (also take a family of three as an example): living area of 80 square meters, T2 (two rooms and one living room), the rent is about 350 euros, plus gas, water, electricity, garbage disposal, etc. about 50 euros per month, the whole month **** 400 euros. This represents about 30% of the family's income. Commercial house: 80 square meters of living space, T2 (two rooms, one living room), 130,000 euros (50,000 own funds, 80,000 loans), mortgage of about 500 euros per month, 30 years. Plus water, electricity, garbage, etc. about 50 euros per month, the whole month **** 550 euros. There are also annual taxes and insurance premiums. If you are working alone, this is about 40% of your income. In the countryside are generally independent house (that is, the domestic so-called villa), an area of 200 square meters or so, with a garden and, after buying the land belongs to their own (China's land, the national only the right to use), a such a house with the land **** 20-25 million or so (RMB 2.5 million). As you can see, as long as there is a personal job (generally speaking, the husband's job income is higher), the rent or repayment of the loan should not be a problem. Cars: Cars are indispensable consumer goods, and for them, the first-class cars should be Porsche, Mercedes-Benz, BMW, Audi, and then other foreign brands. Then other foreign brands. I am not specializing in the investigation of automobile experts, according to the usual observations, the following approximate prices and around the understanding that the vast majority of new cars are a form of installment payments to buy, repayment of loans ranging from 200-300 per month. The price of gasoline is 1.2 euros per liter (12 yuan). Insurance premiums are determined by car model (may be categorized by exhaust volume in the future), driver's license and number of years without traffic accidents, and range from 600 to 1,000 euros per year, which is the normal level. On average, the cost of repairs may be another 1,000 euros per year. The amount of money spent on gas for the car is about 50 euros a month, i.e. about 100 euros a month on average, which is about 5-10% of the income. Vacation: Employees in Portugal generally enjoy 30 days of paid vacation per year, plus about ten days of various holidays each year, working people can enjoy about 40 days of paid vacation! The Portuguese people's passion for vacations is absolutely unimaginable. Apart from soccer, the most talked about topic is vacation. Many families plan their vacation a year in advance, booking the trip, flights and hotels (usually as a package). Then comes the long wait, the buying of destination books or looking up information on the internet, and the fun beforehand. If it's a third world country, it's also important to be aware of the political situation there, whether there are kidnappings, civil wars and so on. Natural disasters, epidemics, sea temperatures, etc... When you come back from your vacation, you have to organize the information about the vacation, sort the photos, and then maybe invite your friends to have a party to look at the photos, talk about what you have seen and heard, and enjoy the fun afterwards. Week after week, it's time to prepare for the next trip. Portuguese people are not like the Chinese, go on vacation, they are generally to the beach swimming in the sun, grilled sausage like, bring a few books, lying on the beach to read, enjoy the sunshine. After the vacation back, the first time you meet, you must praise him (her) skin color deep, bronze, more beautiful, so he (she) will be very happy. Then surely will take the initiative to tell you about the experience of this vacation, so that you *** with sharing. Economic conditions almost may go out once a year, the destination may be Portugal or closer to the Mediterranean countries (Spain, Italy, etc.), each time the whole family spends about 1,000 euros, because it is 14 months of salary, so almost a month's salary spent on vacation. Better-off, may go out twice a year, once in the summer and once at Christmas, the cost will be higher, the destination will be farther: South America, Southeast Asia, Egypt, the Red Sea, Mexico, etc.. A year's savings for a vacation is about right. Some people even borrow money from the bank to go on vacation. Other expenses: Education: Education is not free in Portugal. It has been reformed in the last few years, and the university fees are around 500 euros per semester, and used to be even lower. Kindergarten to high school do not have any tuition fees, parents are only responsible for a small amount of books and a certain amount of lunch. In short, compared to Chinese parents, the Portuguese spend very little on their children's education and it is not a burden. Clothing/Communication: Clothing in Portugal is actually very cheap if it is not brand name. For example, a pair of jeans is 19.9 euros or 29.9 euros, a long-sleeved shirt is 9.9 euros, and shoes are 19.9 euros or 29.9 euros. The quality is guaranteed. Most of them are made in third world countries. The largest percentage is made in China. Nowadays there is a lot of competition between telecommunication manufacturers and the expenses in this area have been reduced. Broadband and landline can be purchased for as little as 19 euros per month. Gifts: Generally speaking, the Portuguese people do not pursue high prices for gifts. A few euros for a bottle of wine or flowers for a friend or relative's birthday is enough. Christmas gifts will be more expensive. But not as in China may form a burden. But the service industry in Portugal is not very expensive. So people often go to restaurants. Other expenses vary from person to person. So now a family of three a month's expenses are summarized: Income: 1500 euros Expenditures: - food: 300 - housing: 500 - car: 100 (including vehicle depreciation, car repair costs, gasoline, insurance) - other: 200 Total Expenditures: 1,100 euros Balance: 400 euros will be a careful family, even if the husband to go out to work to support their families and mouths is not a problem. It is also possible to go abroad (or in the country) once or twice a year on vacation. As a general working people, we have to admit that the standard of living in Portugal and China is not in the same class, to be much higher. Don't forget that there is no gap between urban and rural areas in terms of the standard of living of the Portuguese; if anything, it's the quality of life of those in the countryside that is higher than those in the city.

Two, 1 set of 260,000 yuan of commercial real estate in the country in the Bank of China mortgage 15 years how much principal and interest per month

First of all look at how much you down payment, and then the rest of the deposit in accordance with the 15 years of principal and interest calculations, and then divide the amount by 15, that is, the number of repayments for each year!

Three, the Chinese people **** and the Ministry of Finance of China's shares of the Bank of China time for how much?

According to public information, as of today, the Ministry of Finance of the People's Republic of China holds about 43.51% of the shares of China Time Bank. This portion of the shares is a state-owned stake held by the Ministry of Finance, and its shareholding has remained stable over the past several years. As one of the important joint-stock commercial banks in China, China Time Bank has been working on strengthening the bank's capital strength, promoting business innovation and digital transformation over the past few years. The Ministry of Finance (MOF), as the administrator and regulator of China's national financial resources, has an important role to play in holding the shares of China Time Bank as well as regulating the banking sector. In the future, with the changes in the financial market and the development of the banking industry, as well as the deepening of banking reforms, the role and influence of the Ministry of Finance will also be adjusted to further play a policy guidance and regulatory role to promote the revolution and sustainable development of the banking industry.

Four, 1 set of 260,000 yuan of commercial housing country in the Bank of China mortgage 15 years how much principal and interest per month

How much is the down payment ah, how much the interest rate floated ah, the loan method which, all to be sure before ah.