购买香港保险，超过5万美元怎么办？4种处理办法！
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">咱们</span>都<span style="color: black;">晓得</span>，境内个人每年<span style="color: black;">仅有</span>5万美元的换汇额度。<span style="color: black;">非常多</span>人在购买香港保险的过程中可能都遇到过一个问题，那<span style="color: black;">便是</span>自己的美元额度<span style="color: black;">不足</span>用！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">那样</span>问题来了，超过5万美元额度之后，<span style="color: black;">咱们</span>该怎么办呢？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">5万美元换汇额度是怎么回事？</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">咱先<span style="color: black;">认识</span>一下，5万美金外汇<span style="color: black;">管理</span>到底是什么？</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q9.itc.cn/images01/20240619/c57ddcb1ff824093a7e48675f4b808a7.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">它是限制我国大陆地区的<span style="color: black;">百姓</span>每年结售汇不得超过5万美元。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">简单的说，在1月1日-12月31日整整一年的时间内，咱们能换汇的最多额度<span style="color: black;">仅有</span>5万美元！！重点是这5万美元，不<span style="color: black;">必须</span><span style="color: black;">咱们</span><span style="color: black;">供给</span>任何的证明材料，在银行就能办理。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">那超出5万美元的部分怎么办呢？</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q4.itc.cn/images01/20240619/9268fb0a3316468e90ef1777705d5ba8.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">那就<span style="color: black;">必要</span><span style="color: black;">供给</span>一个合法<span style="color: black;">恰当</span>的理由并有<span style="color: black;">关联</span>的证明材料提交给银行，大部分理由<span style="color: black;">一般</span>是<span style="color: black;">孩儿</span>留学的学费、生活费、国外旅游、和境外<span style="color: black;">看病</span>这些。证明材料<span style="color: black;">亦</span>简单，入学证明、<span style="color: black;">看病</span>证明等就<span style="color: black;">能够</span>了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q1.itc.cn/images01/20240619/0df8866dd2524e0db42c7d83ae37984d.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">但你若是以海外投资、境外购房、炒美股等投资项目那是统统不接受的，<span style="color: black;">所有</span>驳回。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">那<span style="color: black;">咱们</span>想要超出5万美元应该<span style="color: black;">怎样</span><span style="color: black;">处理</span>呢？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">4种<span style="color: black;">处理</span>办法</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">1）<span style="color: black;">能够</span>借用家人的外汇额度</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">自己的外汇额度<span style="color: black;">不足</span>用，原则上<span style="color: black;">来讲</span>，<span style="color: black;">能够</span>借用直系三代的5万美元外汇额度；“<span style="color: black;">自己</span>、配偶、子女和自己父母的外汇额度”。<span style="color: black;">能够</span>每人换5万美元，<span style="color: black;">而后</span>统一汇入自己的海外账户。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">通常</span><span style="color: black;">必须</span>去银行<span style="color: black;">供给</span>关系证明、还<span style="color: black;">必须</span><span style="color: black;">恰当</span>的理由，<span style="color: black;">不外</span><span style="color: black;">每一个</span>城市对换汇的<span style="color: black;">管理</span><span style="color: black;">需求</span>都<span style="color: black;">区别</span>，有些宽松有些则要严格许多。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">2）<span style="color: black;">能够</span>携带外币现钞</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">有些人说，去香港投保时，<span style="color: black;">能够</span>把钱多带点过去！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这个做法当然<span style="color: black;">能够</span>，<strong style="color: blue;"><span style="color: black;">然则</span>出境最多<span style="color: black;">能够</span>携带2万人民币现钞<span style="color: black;">或</span>5000美元现钞。</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span><span style="color: black;">必须</span>5000-1万美元，则<span style="color: black;">必须</span>到银行申领携带证；超出1万美元的<span style="color: black;">必须</span>向当地的外汇局申领携带证。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">申领<span style="color: black;">要求</span>相对严格，很少人会用这个<span style="color: black;">办法</span>！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q9.itc.cn/images01/20240619/29b8590b2c0441d4962bbdadf6ac4d54.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">3）<span style="color: black;">运用</span>master、visa卡</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">针对</span>金额不大的缴费，<span style="color: black;">能够</span>直接<span style="color: black;">经过</span>Master，Visa卡<span style="color: black;">或</span>现金三种途径<span style="color: black;">一块</span>用，几张卡<span style="color: black;">同期</span>用<span style="color: black;">亦</span>是<span style="color: black;">能够</span>的。<span style="color: black;">例如</span>说<span style="color: black;">咱们</span><span style="color: black;">瞧瞧</span>香港友邦AIA的缴费：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q2.itc.cn/images01/20240619/9d7a9d955b614816965e786f830f9406.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">每次刷卡<span style="color: black;">通常</span>能达到35000-36000港币，<span style="color: black;">意见</span><span style="color: black;">同期</span><span style="color: black;">运用</span>几张信用卡，当然，刷卡次数及金额还要<span style="color: black;">按照</span>银行及客户本身的刷卡限制。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span>是现金，<span style="color: black;">通常</span>每张保单的上限为30000美金<span style="color: black;">或</span>等值港币。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">4）境外银联ATM机取现</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">在境外扫<span style="color: black;">微X</span>、支付宝、银行卡取现都是不占用<span style="color: black;">咱们</span>的外汇额度。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">然则</span>在境外<span style="color: black;">经过</span>有银联字样的ATM机取现金<span style="color: black;">运用</span>限制的，<span style="color: black;">自己</span>名下的银行卡一年内境外取现的总和不得超过10万人民币等值，<span style="color: black;">况且</span>有手续费还不低！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">好了，这四种<span style="color: black;">办法</span><span style="color: black;">便是</span><span style="color: black;">大众</span>最常用到的换汇啦，<span style="color: black;">期盼</span>这篇<span style="color: black;">文案</span><span style="color: black;">能够</span><span style="color: black;">帮忙</span>到<span style="color: black;">大众</span>！</p>
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