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Scheme》第14页第2.1(d)条（(i)(ii)(iii)三档投资窗口及存款证例外）\u003C\u002Fp>\u003Cp>三档不是让你挑一个顺眼的，而是你的实际操作落在哪一档，就用哪一档去证明。三条都强调"投入之后持续持有"，中途清仓再买回来，就不叫持续持有了。\u003C\u002Fp>\u003Ch3>为什么规则要给"早投"留两个窗口\u003C\u002Fh3>\u003Cp>原因不难理解：不少申请人的钱本来就在境外的股票、债券、基金组合里，等原则批准下来再全部清仓重买一遍，交易成本和市场风险都要自己扛。规则给一个"在窗口内投入并持续持有"的认定口径，比强制清仓重来更合理，也更贴近家庭真实的资产状态。\u003C\u002Fp>\u003Ch2>二、三档分别适合谁：先看清钱在哪\u003C\u002Fh2>\u003Ch3>资产已经在仓，只差递表\u003C\u002Fh3>\u003Cp>这类家庭适合窗口一或窗口二。前提是把买入时点核准：是不是在计划推出日之后，是不是在递表前180天之内。两个条件只差一天，落在哪档就变了。\u003C\u002Fp>\u003Ch3>还没建仓，等批了再动\u003C\u002Fh3>\u003Cp>这类家庭走窗口三最干净。原则批准下来之后再开户、再买入，全程都在这180天里，不用纠结早买算不算数。代价是时间紧：开户、汇款、成交、结算都在这180天里跑，遇上银行尽调慢，很容易压到最后一个月。\u003C\u002Fp>\u003Ch3>打算分几笔投\u003C\u002Fh3>\u003Cp>分批买入要留意，规则的原话是"在窗口内投入、并此后持续持有"。所以每一笔都要落在窗口内，最后一笔也要在结束日之前完成，而且从第一笔起就要持有到窗口结束，中间不能断。\u003C\u002Fp>\u003Ch2>三、按窗口三排一张日历，长什么样\u003C\u002Fh2>\u003Cp>以"批完再投"为例，把180天拆开看，时间其实不宽裕。下面这些是操作层面的实际耗时，不是规则规定的期限，各银行和券商差别很大，按自己渠道的情况调整。\u003C\u002Fp>\u003Cp>- 第0天：拿到原则批准，当天开始算180天；\u003C\u002Fp>\u003Cp>- 第1到2周：开户与银行尽调，这一步最容易被低估，境外资金来源说明往往要来回补；\u003C\u002Fp>\u003Cp>- 第3到6周：分批建仓，把2700万获许投资资产配置到位；\u003C\u002Fp>\u003Cp>- 第7周起：核对组合是否全部落在获许清单内，剔除不合规的品种；\u003C\u002Fp>\u003Cp>- 最后两周：留出结算与对账时间，不要压到第180天才成交。\u003C\u002Fp>\u003Cp>这张表里最危险的不是投资本身，而是开户和汇款的排队时间。规则给的是180个自然日，银行给的是它自己的节奏。\u003C\u002Fp>\u003Ch2>四、存款证：唯一被单独点名的例外\u003C\u002Fh2>\u003Cp>规则把存款证单独拎出来规定，因为它本质上是"把钱先放着"。第2.1(d)条末段和第5.1(c)条要一起看：只能在原则批准之后、180天内买入；必须是港币或人民币计价、由《银行业条例》下的认可机构发行；买入时剩余期限不少于12个月；上限是最低投资门槛的10%，也就是300万港元。\u003C\u002Fp>\u003Cp>这里有三层意思要说清。第一，早于原则批准买的存款证不算数，这跟其他资产的三档窗口不同。第二，这300万是存款证自己的额度上限，跟强制投进指定投资组合的那300万是两码事，两者不能互相替代。第三，买了要持有到存款证到期，不能中途赎回。\u003C\u002Fp>\u003Ch2>五、180天没投完，不是补材料能解决的\u003C\u002Fh2>\u003Cp>第4.9条：没在第2.1(d)条的时限内完成投资，或者没在核证证明的有效期内把证明交到入境处，一般要重新做净资产审查和后续全部申请。也就是说，这不是"过期了补一份说明"的事，而是回到起点重跑一遍。\u003C\u002Fp>\u003Cp>所以时间表要倒着排：把原则批准日、180天到期日、会计师文件签发日、核证证明有效期这几个日子先钉在日历上，再往前推开户和汇款要占多少天。靠记忆记这些日期，出问题是迟早的。\u003C\u002Fp>\u003Ch2>六、真正容易错位的两个节点\u003C\u002Fh2>\u003Ch3>会计师文件的14天\u003C\u002Fh3>\u003Cp>净资产审查要由香港执业会计师出具履行规定文件，文件的签发日和递表日相隔不能超过14个公历日。文件先出了、表后递了，超过14天就要重出，前面的核数工作等于白做。\u003C\u002Fp>\u003Ch3>核证证明的有效期\u003C\u002Fh3>\u003Cp>净资产审查通过后，新CIES办公室会发核证证明。这张证明有有效期，要在有效期内向入境处递交入境申请（第4.5条）。现实里最常出问题的地方就在这儿：证明的有效期，和你的资金真正到港、来得及建仓的时间，经常对不上。\u003C\u002Fp>\u003Ch2>七、四条流传很广的说法\u003C\u002Fh2>\u003Cp>"3000万先买好最稳"——除非买在窗口内并持续持有，否则早买也可能不算数；计划推出前取得的资产明确不计入。\u003C\u002Fp>\u003Cp>"180天从递交申请那天开始算"——只有窗口三是从原则批准日起算。窗口一、窗口二的起点是"计划推出日"和"递表前180天"中较晚的那个。\u003C\u002Fp>\u003Cp>"存款证可以先买点放着"——只能在原则批准后180天内买，还要符合认可机构、剩余期限不少于12个月、上限300万这几条。\u003C\u002Fp>\u003Cp>"没投完可以补材料"——第4.9条给的处理是一般须重新申请，不是补件。\u003C\u002Fp>\u003Ch2>八、北极星移民的做法\u003C\u002Fh2>\u003Cp>在CIES这条线上，我们把"什么时候投"当成一张时间表来做，而不是一个动作。先看钱在哪、什么时候能到港：已经在仓的、还没建仓的，走的是不同窗口；再核资产是不是在计划推出日之后取得，避免拿存量资产凑数。\u003C\u002Fp>\u003Cp>然后把原则批准日、180天、核证证明有效期、会计师文件14天全部排进日历，中间留出银行开户与跨境转账的实际耗时。北极星移民2013年成立，持续运营13年，广东省因私出入境移民协会5A级诚信企业，美国IIUSA正式会员，服务家庭20000+，业务覆盖11个国家及地区。CIES客户里最常被低估的就是资金落地的物理时间——开户、汇款、成交、结算，每一步都在吃掉窗口里的天数。\u003C\u002Fp>\u003Cp>是否获批、以什么条件获批，由主管机关评估，中介服务不能替代审批，我们不对结果作保证。我们能做的是把三档窗口、资金节奏和材料有效期一次对齐，让时间表留出余量。\u003C\u002Fp>\u003Cimg 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