As a qualified investor, you should not only be a valuable investor in investment, but also make a valuable investment in your life.

the first thing is to master the "investment thinking", knowing that there is no financial innovation in this world, it is just a change of name, and wealth will not appear out of thin air. Financial instruments are also tools, which are not essentially different from farmers' farm tools and workers' wrenches. Their biggest function is to gather large-scale funds across regions and time, and at the same time improve efficiency and reduce costs and risks.

finance is not as mysterious as ordinary people think, and it is not the patent of the rich. On the contrary, ordinary people need to use financial tools to speed up the accumulation of funds and solve the constraints of funds on investment. Economics is called solving "scarcity", commonly known as borrowing money.

Let's share with you how to make money.

First, let's talk about the repayment method:

(1) Interest before principal: it refers to the repayment method of paying interest first and then paying the principal according to the repayment agreement after the loan is made.

(2) Matching principal and interest: it refers to the repayment of the same amount of loan (including principal and interest) every month during the repayment period.

(3) average capital: it refers to the repayment of the same amount of principal and interest generated by the remaining loans in that month by dividing the total amount of loans equally during the repayment period.

The equal principal and interest look the same as the equal principal and interest, and the same amount is paid every month, but there are practical differences. The equal principal and interest is paid off in the previous month, and the interest will not be calculated next month. Our mortgage is the standard equal principal and interest, and the interest rate we see is also the real interest rate.

Equal interest is to calculate all the interest in advance, and then spread it evenly every month, which will not decrease with the decrease of principal, so our capital utilization rate is lower than the equal principal and interest. The real interest rate is converted by internal rate of return, which is probably the interest rate we see after conversion *2, which is the repayment method of many credit cards in installments.

1. several ways to make money.

Labor income, loans from relatives and friends, credit cards, credit loans, mortgage loans

1. Labor income: Labor income, of course, is the eight immortals crossing the sea, each showing its magic power.

2. Borrowing from relatives and friends: Borrowing from relatives and friends seems to be a very simple matter, but it actually tests one's social skills. It takes a lot of time to "retreat", build a position in the social network, meet more people, and carefully safeguard one's perfect reputation. In order to get the corresponding return.

3. Credit card: As mentioned in the last issue, credit card is an arsenal for young people to be rich, the first million dollars that everyone can have, and it will take a long time and energy, but if you start, please stick to it.

Credit loan and mortgage loan are the contents of our lecture in this issue, which will be expanded in detail below.

those who are good at debt are always rich

Debt is a means to enlarge the amount of assets held, also called leverage, which can greatly speed up the accumulation of wealth.

So don't think that only labor income is your money, and the money you can borrow is also yours. As long as it is used reasonably, more wealth can be created.

2. Credit loan

The so-called credit loan refers to the loan that the bank gives you only based on the attributes of your work unit, years of social security, individual tax, provident fund coefficient and debt ratio without collateral such as real estate and third-party guarantee.

Credit loans are similar to credit cards. The better the company, the higher the provident fund coefficient and the longer the social security period, so the higher your comprehensive score in the bank and the higher the amount you can approve. Generally, the maximum amount of a single credit loan is 2,. Ordinary people can approve 3 4 loans at the same time after reasonable packaging, which is the total amount of 6.8 million. High-quality units such as Tencent and Huawei can easily approve 1 million to 2 million.

The interest rate of credit loans is still relatively low, and the annualized interest rate is generally 4.1%. Banks divide the credit loans according to individual comprehensive scores. The higher the scores, the lower the interest rate. The repayment method is generally equal principal and interest for 1 3 years and interest before principal for about 1 year.

(For example, Bank of China E loan from China, starting from 4.32%, with a maximum of 12 installments, with interest paid first and capital paid later; With e-loan, Jiangsu Bank can pay interest first, then the 12th installment, starting from 5.21% of the year, etc.)

Credit card and credit loan have their own advantages and disadvantages, and it takes a lot of effort to connect the credit card in the gap, but it can permanently output a fixed usage quota. The advantage of credit loan is that it is simple to operate, and the single amount and total amount are relatively high, but it is necessary to pay attention to preparing the cash flow for repayment.

So, for ordinary people who have no assets in their hands and no foundation at home, they can apply for about 8, credit cards and 8, credit loans by managing themselves well, which adds up to 1.6 million. If it is a high-quality unit, credit cards and credit loans can easily make more than 2 million. This is the charm of using financial instruments.

Of course, credit loans are similar to credit cards, and there are certain skills in handling them.

when paying attention to credit cards, handle the card sequence in a gradual way to achieve certain goals;

The credit loan technique is concurrent, quick and accurate, and accumulated in the front, which needs to be done at one time. Only by making a reasonable arrangement according to the interest, repayment method, years and the requirements of inquiry times can the required goal be achieved.

Of course, this requires front-line personnel to make real-time adjustments based on their experience and communication with bank staff, because financial policies change too quickly, and today's methods may not be applicable to tomorrow.

Let me tell you about various types of credit loans and product introductions:

1). Provident fund loans

Provident fund loans can be applied after paying the provident fund for about one year. At present, among credit loans, provident fund loans are one of the loans with better interest and repayment methods. Companies and individuals pay more than 3, yuan per month, and can basically apply for a single cap of 2, yuan.

provident fund loans like China Bank and China CITIC Bank are relatively easy to use, with interest paid first and one year later, and the interest rate is in the early forties.

2). Policy loan

Students who have paid insurance from major insurance companies for more than three times in two years can apply for policy loans, including Ping An, AIA, Xinhua, Taikang, Pacific, China Life, Taiping, Sunshine and other companies.

the loan amount that a policy loan can apply for is 2 times of the annual payment cost, and a single loan amount of 2, can be applied for a 1,-yuan policy with an interest rate of 8-12%. The repayment method is equal principal and interest, and the credit is granted for three to five years.

3). Decoration loan

Decoration loan is an existing property that needs to be renovated. You can apply for a decoration loan from the bank.

Taking Shenzhen as an example, the renovation loan of CCB requires real renovation, and the amount is applied according to the standard of 5, yuan/flat, with a maximum of 5, yuan, a minimum interest rate of 2.8% and equal repayment of principal and interest. Will take photos according to the progress to make loans. There are also renovation loans from Bank of China and Agricultural Bank of China, with interest rates of around 3%, with equal repayment of principal and interest.

4). Owner's loan

Owner's loan is an existing real estate customer who can apply for a credit from some banks after a certain number of years of mortgage.

Take Shenzhen as an example:

Owner's loan of China Resources Bank: You can apply for the owner's loan of China Resources Bank if the real estate in Shenzhen is mortgaged for more than 3 months, and you need social security for more than half a year, which generally cannot exceed 4, yuan. It is required that the company under its name is in Guangdong Province, and the company has been registered for more than one year, or the real estate value is more than 3.5 million, so it can apply directly. The interest rate is 6-6.8%, 5 years, with equal principal and interest.

Ping An Bank's monthly loan: If Shenzhen real estate has been mortgaged for half a year under the deep account name, you can apply for Ping An Bank's monthly loan, the amount of which is 2 times of the monthly loan, and you can apply for a maximum of 5, yuan, with an interest rate of 8.5%. The repayment method is equal principal and interest, and the credit is granted for three years.

5). Enterprise tax loan

Enterprise tax loan refers to a loan product launched by the bank for enterprises with normal tax payment and good credit status. Generally, you need to pay a certain amount of money normally for more than two years, and you can apply for it. It is a very high-quality product in credit loans. If a classmate pays taxes normally, it can be given priority consideration.

product description:

agricultural bank: the maximum amount is 3, and the interest rate is 4.2% before this year. China Construction Bank: the maximum amount is 1 (in some areas, it is 3), and the interest rate is 4.2% after this year. Industrial and Commercial Bank of China: the maximum amount is 3 (plus 5 guarantees), and the interest rate is 4.3% and the guarantee is 3.8%.

6). Consumer finance Existing real estate customers can apply for a credit loan like a financial institution for a certain number of years, generally about 5 thousand, with equal principal and interest repayment, with interest ranging from 1 to 1.5 points. The advantage is that the loan is fast and the requirements for credit reporting are not high.

product description:

real estate loan: it is required to mortgage the real estate in Shenzhen for more than one month, and the loanable amount is 12-16% of the real estate assessment price, with a maximum of 5, yuan. Monthly loan: Shenzhen real estate is required to be mortgaged for more than half a year, which is 3 times of the monthly loan amount, with a maximum of 5,.

the interest rate of most consumer finance real estate loans and monthly loans is 9.8% -1.18 cents, and the repayment method is equal to the principal and interest, and the trust is granted for three years.

Youjin Institute: Shenzhen real estate mortgage for more than half a year: individuals can apply for a maximum of 5, yuan, and registered companies can apply for a maximum of 1 million yuan. Within half a year of Shenzhen real estate mortgage: the maximum amount of personal loan is 3,, and the maximum application for registered company is 5,.

7). Online loans

I believe everyone has heard of online loans, such as Alipay's loan, WeChat's micro-loan, Suning's willful loan, and Baidu's money-spending, all of which belong to the category of online loans. The amount ranges from several hundred to tens of thousands. It is recommended that you do not use online loans, which will have an impact on various products of banks.

general section:

according to the above-mentioned credit loan products, we can see that the relatively high-quality loans are provident fund loans and corporate tax loans, and the only one closest to ordinary people is provident fund loans. You can find ways to make a fuss about this to improve your qualifications and obtain high-quality credit loans.

2. Mortgage loan

As we mentioned earlier, borrowing money from relatives and friends, credit cards and credit loans can be classified as credit-based ways of raising money without collateral, and you are lent money just because everyone trusts you. Because there is no collateral for credit loans, the amount will not be too high after all. After all, if you borrow too much, the risks of banks are also great. This borrowing mode is only suitable for friends who have no funds and assets at the beginning.

If you have bought a house before and the house has gone up a lot, then you can start the mortgage loan model. Because of the collateral, the bank will feel more at ease, so the amount can be very high. Banks will assess the market value of real estate. Generally, they can lend about 7% of the market price of the house, and the maximum amount can reach tens of millions.

mortgage loans are divided into personal consumption mortgage loans and personal business mortgage loans. Common mortgage loans use real estate as collateral. Such loan products have large amount, low interest (generally between 4% and 6% per year), flexible repayment methods (equal principal and interest, interest first, principal later, etc.), and the loan period can be long or short (3-2 years).

in the previous credit card course, we talked about the concept of capital cost stratification. Different borrowing methods have different costs. Mortgage is a very high-quality loan, and its interest rate is lower than that of ordinary people's welfare loans.

capital stratification: (I also talked about it when sharing credit cards in the last issue) (1) -2% capital cost, mainly for self-owned funds and demand deposits (2) 3-4% capital cost, mainly for regular financial management and loans from relatives and friends (3) 4-5% capital cost, mainly for mortgages and credit cards (4) 5-8% capital cost. Mainly for policy loans (6)12~16% of the capital cost, credit card installment (7)16~24% of the capital cost, advance payment, capital bridge (8) more than 24% of the capital cost, private lending, usury < P > mortgage interest rates are generally 4.9%~5.8%, while mortgage loans can be as low as 3.7%. If there is actual operation, the interest rate can be as low as 3.3%. It is also a loan of 5 million. Five years can save at least 3 thousand interest.

The mortgage loan is divided into personal consumption mortgage loan and personal business mortgage loan. Let me introduce the advantages and disadvantages of these two kinds of mortgage loans and compare them.

consumer loan: targeted at office workers, this loan is used for consumption, decoration, home appliances and so on. Due to policy reasons, most banks have 2 million consumer loans online, and some banks can accept the maximum application amount of 3 million for both husband and wife.

business loan: the target group is business owners, and this loan can only be used for company business. According to different policies of banks, the loan ceiling is 1 million-3 million.

because of the relatively high interest rate and low amount, mortgage consumer loans are generally not recommended, unless I can't buy a company because of my job nature, such as civil servants or institutions, so I can only take this compromise way.

You can compare the current operating loans and consumer loans of ICBC, and we can see that the operating loans are superior to consumer loans in terms of the amount, interest and repayment methods.

Therefore, if everyone owns a house, it is not recommended to take consumer loans. If it is for professional reasons, consumer loans can be considered. For public officials, besides consumer loans, another solution is that the borrowers and mortgagors may not be the same person, but use their relatives to buy the company and be borrowers.

Because mortgage loan is a systematic project, the more adequate the preparatory work is, the greater our selectivity and the better the products we can handle.

We need to start the preparatory work one year in advance, and don't rush to buy a house or cram for the last minute when we need money, which will put us in a passive position.

Preparation:

Company: 1. Register one year in advance; Or transfer a company registered for more than one year and hold shares for more than three months. 2. Shareholding ratio: generally, at least 1% or more is required, preferably 3% or more. 3. Business scope: technology companies, trading companies, electronics companies, etc. It is better to choose technology or trading companies, because technology companies are the key areas supported by the state, and trading companies are tiger balm. 4. Operation: Of course, if you can run your own business, the loan will be better. If you can't run it, you need to find a professional to help you maintain this company. If there are abnormal business situations such as abnormal address and no tax declaration, otherwise the loan will be wasted or dragged on for a long time.

running water: