Then I think your loan is basically not a real estate loan or a commercial loan, but a consumer loan!

At present, many consumer loans are issued in the environment of the state stimulating the entity and economy, with the aim of stimulating everyone's consumption and boosting the real economy. But many people, with some "tricks", cheated this consumer loan out to invest in buying a house.

But the end result is very miserable.

So, my advice to you is: either spend money on loans or don't borrow money! It is actually the stupidest behavior to invest with a loan that needs to repay the principal and interest within one year!

Buffett once said, "I have seen smart people, and the only way to die is to add leverage."

Keynes once said, "The price of any asset will return to rationality. The key is that you often can't wait to return to rationality, especially after you add leverage."

For an ordinary investor, if you don't have a strong sense of risk control, you can't even achieve sustainable profit results. Therefore, rashly adding leveraged investment, in fact, more than 90% of the probability is a loss. Can you bear such a result? Or, do you think you are better than those experts and fund managers?

In today's society, no investment can outperform the annual interest rate of 5.5% without risk, so the risky investment must be idle money, not leveraged funds.

Just like the stock market, it is important to understand that no one knows how much the stock market will fall in a short time. Even if you borrow very little, your position will not be immediately affected by the market crash, but your reason may be blinded by scary reports and confusing remarks, and restless thinking will not make the right decision. Sometimes what affects you is nothing more than the wrong mentality, so don't add any leverage to your investment, even if the interest is low!

Don't always think about how to make quick money, you should think about it. After you can't earn this money, you can bear it if you can't repay the principal and interest after one year!

The core value of investment is the preservation and appreciation of assets. The scope and methods of investment are varied, provided that the investment is risky.

A loan of 500 thousand investment doesn't sound like it. Theoretically, unless the preconditions are superior, the feasibility is certain, but without preconditions, most people will find it incredible, but I don't think so. It is necessary to calculate the time probability of the time point, and the investment still has the value of realization.

There is an investment logic relationship and the choice of investment products. High-risk investment returns will be very rich, provided that the risks are also great. In the choice of investment products, short-term investment with loans to stabilize low-risk products is definitely not the best choice. After analyzing and budgeting the investment logic and varieties, it is not suitable for a long time, so we can only choose high-risk and high-yield investment varieties, such as buying and selling stocks and futures, which may achieve the income target in domestic investment varieties.

Therefore, after finally choosing a good product, a good opportunity is the only choice for investment. For example, to invest in the stock market and futures market, we must first make a positive trend, follow the trend and make a good decision before moving. If the overall environment is sufficiently supportive and there is enough upside foundation, you can invest and choose good products and stocks, and the best round of income is 15%-30%. To realize the above benefits, don't forget your own analysis and accept it when it is good, so that your annualized rate of return on investment will double or even several times. The point here is to tell you, don't be greedy, and don't make repeated investments after gaining income. Risk comes first. After repaying the loan principal and interest in advance, you can reinvest the proceeds. It can be said that this is a win-win situation.

Unless you already have a good investment project, then this loan is meaningful. Otherwise, you just covet the seemingly low loan interest rate of 5.5% and look for new loan projects. Personally, I think the risk is still relatively large.

First of all, from the day you got the loan, you began to pay interest on a daily basis, but the projects you need to invest are still far away, and the mismatch of time will actually make you pay more.

Second, just like other people's answers, adding leverage itself will bring you a lot of uncertainty. As the saying goes, "time is never on the side of leverage", people who borrow money with leverage will be more impatient in both mentality and method, and can no longer treat their investments with a normal heart. If the time is long enough, you will find that it is often not worth the loss.

Third, in addition, if you invest by loan, you will feel that this road is right after a small gain, and you will continue to expand your ambitions and make loan investment a habit in the future. This is actually very harmful. Finally, I want to use an example of a friend. At present, there are 5.42% bank loans and some spare money in hand. He decided to return it to the bank as soon as possible, just hoping to invest the extra money instead of deleveraging to get more income. In fact, this friend has done a good job in the awareness of leverage and risk control, and has been reluctant to leverage in principle. The above is my humble opinion. Everyone's situation is different, I wish you all reference.

Hello, personally, there are three influencing factors in investment and financial management, namely, risk, liquidity and amount of funds. 300,000 yuan, the cost is 5.5%, and after one year, it is inevitable that only risks will be sacrificed. There are three ways to consider. One is P2P. You can find a big platform like lufax, and the annual income can reach 6-8%. The second is trading on exchanges, such as stocks and funds. , including government bonds. These all require certain skills, and the returns are high and low. However, if you have no ability, don't force it. Relatively speaking, it is safer to buy bond funds. The third is some predictive wealth management products. For example, it is predicted that A shares will rise in the next 90 days, and the income will fluctuate greatly, such as 0-7%. If the judgment is correct, you will get high profits. If not, you will at least make ends meet.

Please refer to the above!

The key to investment depends on what kind of investment means and profitability you have. If you don't have it, don't lend it to others. I'm the same as you, except that the interest rate is 7 points higher than yours. The loan is about to expire. At present, there is about 30% income except principal and interest.

300,000 yuan to buy a high-quality stock in batches, the more you buy, the more you buy. Hold it for one year, and it will be 380,000 at the end of the year.