想問 CAIS ICN and Debenture

mamabab

想知買左 debenture 後有冇學位保證,同埋pre class and G1 有冇限咩age?大B/細B? 先行致謝!!!!!!

msmiu

U can only buy debenture after u get an offer. U won't be eligible to buy any debenture unless the school accepts your child.

careysum

債券係要有左offer, 決定入讀先比，唔係比左錢先面試，另外，入到任何一個Grade都要跟返出生年份。

mamabab

Thank you msmiu and careysum !!!!

mamabab

回覆 小之爸 的帖子

多謝你回覆啊,宜家明白多了!! 想問多句,咁CAIS買債券後會有面試機會嗎?

careysum

haha 都話有左offer，决定成為CAIS学生才有资格買債劵，那何來買债券來確保有面試呢？！

mamabab

Haha,抱歉呢，因為聽過有international school係買債券就有面試機會，以為呢間都有添，多謝兩位釐清

happy116

原帖由 mamabab 於 16-07-04 發表
Haha,抱歉呢，因為聽過有international school係買債券就有面試機會，以為呢間都有添，多謝兩位釐清  ...

I think you are referring to "nomination right".  There are schools offering nomination rights for a fee (e.g. RC and ESF).  The notes of CAIS are not with that purpose.

muibaby

May I know is it a "must" to buy the ICN once you got an offer from CAIS?

happy116

原帖由 muibaby 於 16-07-19 發表
May I know is it a "must" to buy the ICN once you got an offer from CAIS?

It is not a must.  You can pay annual levy (non refundable) instead.

Popobobo

So the ICN is an one off payment and it is non refundable?

torunpoland

Yes one-off payment yet it is transferrable to someone interested in it via school when your kid leaves the school.

Popobobo

torunpoland 發表於 16-10-3 18:38
Yes one-off payment yet it is transferrable to someone interested in it via school when your kid lea ...

Thank you for your reply. So we actually sell it to the school when our kid leaves the school, do you have any idea about the depreciation of the ICN? Like approximately how many %?

torunpoland

Popobobo 發表於 16-10-4 00:34
Thank you for your reply. So we actually sell it to the school when our kid leaves the school, do y ...

I have no idea as to the depreciation rate, as it is to be related to the prevailing inflation rate of the time when your kid leaves.

You'll get back the nominated value of the ICN when the kid leaves the school after nine years, for example. You gotta work out the inflation (or deflation, relatively rare) rate during the period from now to nine years later to decide how much the ICN depreciated or appreciated. It all depends on the number of years and the inflation (or deflation) rate. The very basic finance.

Monstereasy

原帖由 Popobobo 於 16-10-04 發表
Thank you for your reply. So we actually sell it to the school when our kid leaves the school, do y ...

You may find more information from school website. The  ICN is not depreciation type, it will remain same face value as per the date that that you purchased.

torunpoland

回覆 Monstereasy 的帖子

Can the purchasing power of a sum of $400,000 be equal to that of the same amount N years later? It is what appreciation and depreciation means.

Monstereasy

原帖由 torunpoland 於 16-10-07 發表
回覆 Monstereasy 的帖子

Can the purchasing power of a sum of $400,000 be equal to that of the same  ...

A depreciating debentures depreciable annually by certain rate. In AISHK, debentures are depreciated by 12.5%. When debenture depreciated to zero, the debenture holder may purchase a new depreciating debenture or pay capital levy.

torunpoland

Monstereasy 發表於 16-10-7 11:11
A depreciating debentures depreciable annually by certain rate. In AISHK, debentures are depreciated ...

Thanks! My post refers to the ICN of CAIS.