First of all, if you want to be rich, please learn to be in debt first.

In order to control their own risks, banks will be very cautious when choosing customers, and always choose lending targets in a targeted manner. The more capable a person is, the more willing the bank is to lend him money, because the bank knows that ability represents strength and is also a guarantee of repayment. So are we ourselves. The more capable people are, the more they should think about how to realize their dream of wealth by borrowing money and using other people's money.

Second, don't be afraid of debt.

My parents taught me not to owe others money first, and many friends around me were also afraid of debt. They usually regard owing money to others as a heavy burden of life. But it's normal. China people are used to being light without debt.

But those who make a lot of money are operating in debt; Let's think about Wenzhou people's real estate speculation in the past. Most people didn't save enough money to buy a house in full before speculating. But borrow money or save enough down payment to sell. The idea of doing business is to start with debt and get rich with debt.

In fact, at the beginning, I was also more averse to debt. I always feel that many big things can be done as much as possible, and the money owed is very miserable. However, after studying investment and financial management, I gradually found that moderate debt is beneficial to financial health, which is called leverage.

Third, proper debt is beneficial to financial health.

Mortgage, car loan and credit card are the most common daily liabilities of individuals. Reasonable use of the leverage of debt can make you enjoy a better quality of life. After several interest rate cuts, the commercial mortgage interest rate is only 4.9%, and the provident fund mortgage is even lower, only 3.25%. Even the P2P online loan with an investment yield of 8% can still get a return of nearly 5 points. This kind of debt is tantamount to lying down to make money, provided that you assess the risk.

Four, the amount of debt should be within the scope of repayment ability.

Compared with the conservatism that parents dare not borrow money easily, today our concept of debt is much more bold and radical. Especially for young couples, what if they don't have enough money to buy a house or a car? It is often borrowed first. At this time, I only paid attention to the down payment and didn't consider the repayment ability at all. Afterwards, I found that even if I didn't eat or drink, I couldn't pay my debts. In fact, no matter what kind of loan, if it can't be repaid on time as agreed, there will be great problems. First, there will be a late fee, and second, there will be a sum on the credit history. Now all the credit records have been entered into the Credit Information Center of the People's Bank of China. Bad records will affect other loan applications in all aspects, or be approved as higher loan interest rates. Therefore, the amount of debt should be within the scope of repayment ability.