To play with bank money, you only need to use the principle of financial leverage. Financial leverage is simply a multiplier. Using this tool can amplify the effect of investment. Whether it is gain or loss, it will be expanded at a fixed ratio. Within the scope of your control, if you can repay the money that should be paid back to the bank every month, you will successfully control the bank's money for your own use. Generally speaking, there are currently two reasonable ways to use bank funds: credit cards and loans. People who don't like debt should not be quick to sneer at these two methods. After a closer understanding, you will know that they can be a good "cash-out" tool as long as you can maintain financial health.

For example, through installment loans, you can spend a small amount of money to buy shops and apartments and hold them for a long time. As long as you rent them out, you will get rent, and the rent will be used to repay the loan. This is what is called using a house to support a house and using a car to support a car. However, there is one thing to note: when you buy a house or a car, the monthly rent must be within the same amount as the bank mortgage amount. You must maintain a balance, and these assets will gradually become your own assets.

Buy one house with full payment or buy three with loans?

The money from the bank can help your own funds exert a powerful effect, greatly improving your own wealth. The return on capital is a return that far exceeds the market average return.

Take real estate as an example. In the past three years, housing prices in Shanghai have increased by an average of 15% per year. This means that a house bought for 700,000 yuan three years ago may now be worth 1.05 million yuan. For example, if the property is sold for 1.05 million yuan after three years, the gross profit obtained will be about 350,000 yuan. After deducting taxes and expenses, the profit will be 300,000 yuan. In addition, the rental return rate over the past three years is calculated as 5, which is about 100,000 yuan. Added together, your real estate income in the past three years is about 400,000 yuan.

If you pay all 700,000 yuan for the house yourself, the real estate income in three years will be about 400,000 yuan. In other words, your return after three years will be about 60, and the annual return will be 20.

If you obtain a 70% mortgage loan from a bank, your out-of-pocket funds will only be 210,000 yuan. Compared with the current income of 400,000 yuan, your return on your own funds is close to 200! In other words, you have earned about 400,000 yuan in three years, and your annual return is 60! 3 times the investment return on your full payment, or it can be understood that you can buy three sets of the same property with 700,000 yuan, and the profit Can do 3 times.

Credit cards make full use of the time value of money

For users with a monthly income of 2,500 yuan, apply for 3 bank credit cards and try to apply for the highest limit. Take 5,000 for each card as an example to calculate the credit card Make sure the time difference is correct for the repayment time. The bill dates of the three credit cards are 17, 18, and 19 respectively, and the repayment time is 7, 8, and 9 respectively. (Explanation for the first card: between May 17th and June 17th. For consumption, the repayment date is 7 days, during which there is no interest. If you want the longest interest-free period, you must consume on the first day after the bill date, and you can enjoy the longest 50-day interest-free period)

Details Time: Cash out 5,000 yuan from a credit card on June 18. The repayment time is August 7, and the interest-free period is 50 days. On June 19, I cashed out 5,000 yuan from two credit cards. The repayment time is August 8, and the interest-free period is 50 days. On June 20, 10,000 yuan will be purchased for the fund. On July 17, I cashed out my third credit card and paid off one of them. The next day I cashed out 5,000 from the paid-off credit card and paid off the other one. Then I cashed out again and paid off the third card.

Based on the average fund income of 500 yuan/month, you need to cash out 5 times a month, and the monthly income is 500 yuan. Apply for a limit adjustment every three months. After one year, the limit for 3 cards is 15,000 yuan. This does not include the increase in the limit, investment funds or other income, nor does it include the reduction of cash-out expenses due to monthly salary savings and repayments. The annual income is 4,800 yuan, and The final credit limit totaled 45,000 yuan.

In the second year, if you buy a house, you will start to really use bank money to earn bank money. Use the same method as above to cash out 30,000 yuan and repay the mortgage. The one-time payment of the 30,000 yuan mortgage is equivalent to repaying the principal. Adding interest of 45,000 yuan, if you use your salary to slowly repay the overdraft of 30,000 yuan within a year and a half (the average monthly average is about 1,600 yuan, which is affordable),

Be careful when using bank money. The return on the investment must be greater than the cost of borrowing the money. The purpose of borrowing money is to use the leverage of money to expand your capital capacity and make more profits. However, borrowing has a cost, so you must carefully analyze and calculate before deciding to borrow, and confirm that the benefits generated by the investment must be greater than the cost of the loan, otherwise the gain will outweigh the loss.