The questioner didn't make it clear about the problem of repayment, such as the questioner's occupation, personality, physical condition, family burden, the term of 620,000 debt, annual interest rate, etc. I had to analyze most possible situations and put forward the following suggestions, which were carried out to the letter. It is still possible to repay the loan within two years or earlier.
First, don't spend 50 thousand yuan on financial investment and wealth management. When it comes to financial investment and financial management, real people still have experience and voice in risk management in financial institutions. The rapid and high-yield investments in the market are basically futures, precious metals, convertible bonds, stocks, equity funds and other types, but these types are also accompanied by high risks. No matter whether you are a professional or not, no one can guarantee to make money. Those so-called experts just talk all day. Even if the world-renowned investment institutions or experts such as Quantum Fund and Buffett have a one-year rate of return of more than 10%, for example, the annualized rate of return of our unit investment team is only 6%, and there are a lot of funds and a group of professionals. So it is almost impossible for your money to quadruple in one year. It is more likely that you have a loss on the principal. In recent years, some people have counted that people who like stock trading lose tens of thousands on average.
At present, the annualized rate of return of bank wealth management products and investable products of various formal financial institutions is less than 5% on average, and most of them do not guarantee the rate of return and principal. Therefore, it is not advisable for others to let you invest and manage money to repay the loan. Guo Shuqing, chairman of the China Banking Regulatory Commission, said that earnings exceeding 6% would be questioned. It is likely that what you want is the interest of others, and what they are thinking about is your principal.
Second, it is always painful and horrible to sell the existing fixed assets to pay off the loans owed to people. Most people will feel guilty about their creditors and may be afraid to face them. In the end, everyone will become an old-timer, and being an old-timer is even more undesirable. Now the credit system is becoming more and more perfect. If they don't pay it back, they will be blacklisted to limit high consumption. For example, Luo Yonghao recently went to Shanghai to win the "Mr. Fashion" award, and just took 65438+. So, if you have fixed assets at home, such as houses, pavements, vehicles, jewelry, etc. Sell it quickly and reduce the loan as much as possible. After all, being light without debt can motivate you to work harder for your life.
Third, it is also skillful to sincerely ask the creditor's forgiveness to repay the loan. Today, the real Taoist tells you, first of all, don't be afraid. In fact, 620,000 is not too much, and it can be paid off in a certain period of time. Some banks and other lending institutions can discuss with them. You should face it positively, make a detailed repayment plan, ask for a certain interest rate reduction or interest rate reduction, and give tolerance time, and then you can pay it back according to this plan. After all, most creditors will be well-intentioned. I hope you can pay off the loan, and you don't have to force you.
The fourth is to seek help from relatives and friends as soon as possible. If the loan is a debt with relatively high interest rates such as online lending institutions and private lending institutions, the annualized interest rate is basically above 10%, and the annualized interest rate of credit loans of individual banks is also 10%. Even if Ma Yun's father borrows money, it is very high. So for ordinary people, the money you earn may not be enough for you to pay interest, which is more likely to lead to your overdue. Converted into interest, the amount owed further expanded. Therefore, in order to reduce the debt pressure, we can seek some family members, relatives and friends. Whoever doesn't want interest or small profits to help you replace the loan, pay back these institutions first, so as not to lose more.
Fifth, we should be thrifty and reduce our daily needs. Before we pay off our debts, we suggest saving money, such as not smoking, drinking, chewing betel nuts, eating out and playing cards. In a word, all bad habits should be eradicated, and daily life should be carefully calculated, so as to maintain normal and healthy basic nutritional needs, and we can no longer be extravagant.
Sixth, it is suggested that the following low-cost work can be done. It is not difficult for Luo Yonghao to pay off hundreds of millions a year. Most of us are not Luo Yonghao and may not have his connections, wisdom or eloquence. Therefore, we may not be able to copy Luo Yonghao's experience, but we should learn from his spirit. First of all, he didn't evade his debts, tried his best to make money and asked his creditors to give him plenty of time.
For example, it is not difficult for many occupations to earn tens of thousands of dollars a month as long as they work hard, such as construction, truck drivers, mechanical engineering operations, take-away express delivery and so on. If you have good eloquence, strong sales ability and a certain number of contacts, it is not difficult to make hundreds of thousands of dollars a year in sales of construction machinery and insurance. In addition, you can also find a stall with a large flow of people and make a snack stall for 50 thousand yuan. It is not difficult to spend hundreds of thousands a year.
Share your personal experience.
You should distinguish whether 620,000 yuan is a benign debt (car loan or mortgage) or a vicious debt (credit card online loan).
1. If it is a benign debt, your 50,000 yuan can be divided into two parts. The first part can be used for investment. If you don't understand, I suggest you go to finance or bank to find a job. You can learn it in a month. Investment is risky and needs to be cautious, and the other part can be used as living expenses.
2. If it is a bad debt, don't move the 50,000 yuan, keep it for urgent use, and make two plans by yourself, a time plan and a money-making plan. It is best to find a sales job. First of all, you have more free time and considerable income.
Secondly, talk about how to pay off 62. 1 10,000 years, then you need to earn 5 1 10,000 per month, plus at least 60,000 per month for food and shelter. If you do sales work in first-tier cities such as Beijing, as long as you work hard enough.
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Finally, a little personal experience. If you are heavily in debt, what you need to think about now is not making money to pay off debts, nor daydreaming all day, nor making big money at once, because all the projects you see in this case are basically pits, but to calm down and seek a stable and sustainable income and take a long-term view. The road is slow, step by step.
Peace of mind is also 50 thousand to 70 thousand. I only tell the truth.
You took out a loan of 620,000, right?
Recently, I brushed Tik Tok, saying that it is 30,000 yuan in January, and I buy stock leaders every month. So far, the profit has reached one billion.
Two months to solve.
Forget it, it is more likely to owe another 620 thousand.
There are many ways to check the criminal law.
Brother, listen to me and get ashore as soon as possible. Ten bets and nine losses. [praying]
Go to Macau and wait patiently for 4 levels.