Therefore, the risks and benefits of financial management are corresponding. Investment and financial management can't just see the benefits and ignore the risks. If you think the risk is too great, you can consider bank wealth management products, but there are security risks in bank wealth management products, which are also divided into current wealth management products and regular wealth management products.
Generally, the current wealth management products have good coordination ability, but the income is not too high. However, if this 500,000 yuan is surplus money, it is actually more appropriate to deposit a bank deposit certificate. For example, a commercial bank's investment and wealth management product with a term of one year has an expected rate of return as high as 5%, but note that this is an expected return and does not represent specific benefits.
If the wealth management market is in good condition after maturity and reaches this estimated income, it is assumed that the deposit refers to 500,000 yuan. If the investment and wealth management income is estimated at 5%, the annual interest earned is 500,000 * 5% = 25,000 yuan, which is still very high.
Can Zhaolian Finance negotiate repayment when it is overdue? Zhaolian Finance can negotiate repayment. As Zhaolian Finance is a small consumer loan jointly launched by China Unicom and China Merchants Bank, the investors behind it are basically China Merchants Bank. After all, it is a bank loan, and it is very likely that the repayment can also be negotiated.
Generally, the agreed repayment of Zhaolian Finance should be based on the borrower's economic level, so that the existing loan principal and interest can be repaid in installments in a longer period of time. It is also possible to reduce the existing loan interest rate in part, thus reducing the repayment pressure of borrowers.
When negotiating repayment, the borrower must show a strong repayment intention and explain that he is not interested in overdue loans. If conditions permit, you can directly rely on your own level to repay part of the loan, indicating that you want to repay.
Of course, after loans overdue, you must not lose contact or answer the phone for fear of being urged. Once contact is lost, Zhaolian Finance will think that the borrower is dishonest, and will not only contact the borrower's relatives, but also immediately continue to file a lawsuit against the borrower. Once the prosecution is successful, the adverse effects will be more serious, and it is difficult to have room for reservation.