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儲蓄

本社接受社員以認購股份形式按期和定額儲蓄,股份以每股港幣五元為單位。每月第一個工作天經由恆生銀行以自動轉賬接受儲蓄。

按期儲蓄

社員在入社時,應衡量自己的經濟能力,決定每月定期儲蓄的數額,並簽具一份「銀行直接付款授權書」,於每月第一個工作天捋璁菾岈鉠膉帚壑銵C日後如需要更改儲蓄數額,必須填寫〔更改個人資料〕表格,更每月儲蓄金額,並需在每月第十八日前交回本社辦公室便可。如有需要,社員可致電本社查詢結餘。最少每六個月,司庫 會郵寄結算單給每一社員存查。

「銀行直接付款授權書」須經銀行核對戶口持有人的簽署式樣,一般需時四星期以上。為方便社員日後欲更改每月儲蓄時能即時生效,本社建議社員不要在銀行授權書上設有上限。

不定期儲蓄
本社現正推廣第二期不定期大額存款,截止日期為2007年11月26日

退股(提取存款)
在沒有負債情況下,社員可隨時填寫「退股申請書」向司庫提出提款,一般情況下,司庫一般在四個工作天內即可發出支票退回社員存款。若該社員在恆生銀行開設戶口,司庫可代將退款存入其銀行戶口,但不另行通知,社員必須留意銀行戶口紀錄。依據儲蓄互助社法例,倘遇社方現金不足以支付該筆退款時,本社有權通知該社員,在不超過九十天內才辦理退股手續。

按法例規定,社員存社股金是採用類似銀行零存整付存款方法計算股息,故在該年度內(每年四月一日至翌年三月三十日)提取的任何款項,將不會獲得為該年度存款而派發之任何股息。

此外,倘社員在本社有貸款尚未清還時,根據社章第四章第十六條規定:「社員可於本社辦公時間申請提取其全部或部份股金,惟倘因此舉而使社股總值低於其本人已向本社所借之貸款金額或替其他社員擔保或抵押之貸款金額時,不得要求退回股金。」之故,該社員暫時祗可提取其股金與結欠之比對餘數。

社員在提取其全部股金後,即退社,則不再享有本社賦與社員的一切權利。

股息計算
根據法例規定,每年財政年度終結後,董事會將因應該年所獲純利,向社員周年大會建議派發不超過年息六厘的股息。正因儲蓄互助社派息多寡是隨每年盈利而定,故此、每年派息都會不同,亦不能預知。

股息以零存整付存款方式計算,在社員周年大會通過董事會的派息建議後,一般會作社員存款,撥入五月份儲蓄賬項。

公式:享有股息累積股數 x 派息率 / 12 x $5 (股息) = 股息 舉例:以每月儲蓄$1,000為例,退股對年終派息之影響
(股息計算表)

冷戶
任何社員於連續二年內並無儲蓄者,即為冷戶。董事會將在其賬戶逐年徵收股金結餘時百分之三十的金額作手續費。如該社員在其後連續四年皆為冷戶,則社方可沒收該賬戶所有款項,並取消該社員的社籍。

 
如需下載或閱讀PDF文件, 請下載及安裝 Adobe® Reader®. Acrobat Reader™ 設有提供免費下載版本.

 
 
 
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