Hello, my friend, I'm glad to answer your questions here!
In response to your question, I would like to share some suggestions with you:
First of all, adjust your mentality, stay optimistic, don't have negative emotions, and accept the fact that you are in debt. Since you owe money from financing debt, it proves that your ability is still ok. It is said that debt is light, because I have been on the road to starting a business, so I am often in debt. Debt is a common occurrence for me, and so is bank debt collection. At this time, your attitude is more important than anything.
Secondly, analyze the reasons for the failure, what caused the debt, and what should be paid attention to in the next refinancing or project. You need to reflect deeply on yourself.
Then, think about what you should do. Work or do something by yourself. Judging from your debt of more than one million now, if you go to work, even if you still pay 300 thousand a year, it will take 3 -4 years. Of course, if you have strong ability and good connections, you can be an executive in a company with dividends and commissions, and it is normal to finish it in about 2 years. 1 year or more is also a very good project. The key depends on your comprehensive ability and available resources at hand. If you do it yourself, you have no money and a debt of more than one million. If you can find a good project and start-up funds, you can bear the risks after the project fails. If you are resourceful and a good talent who can win or lose, you can do it yourself, and you can start your own business to pay off debts, which is fast and fast, but the risk is also high. There is another way, but you must have a good network. You can cooperate with the company to quickly turn your contacts into cash in the form of 50-50 split. It won't cost much. A relatively eclectic choice.
Finally, choose your own career path, whether you are working or doing it yourself, you need to be down-to-earth, step by step, and stick to it when you choose, otherwise your time cost will be higher and higher and your competitiveness will be weaker and weaker.
In addition, the specific measures have to be considered according to your actual situation, whether it is10 million or10 million. The key is not to make trouble for yourself. I still have friends who owe hundreds of millions. It took them about ten years to pay off their debts. Do as many important things as possible, and the feeling of jumping up and picking apples is the best.
Send you an interesting news: a person with a debt of 50,000 shows that he is responsible, a person with a debt of 200,000 shows that he knows finance, a person with a debt of 500,000 shows that he has repayment ability, a person with a debt of 6.5438+0.000 shows that he has a car and a house, and his future life will be happy. A person with a debt of 6.5438+0.000 shows that life is a taste. A man is in debt of 50 million. He is the boss of a listed company. A person who has no debt shows that he is still a diaosi. [Yi tooth] [Yi tooth] [Yi tooth]
Friend, I hope you can pay off your debts as soon as possible, and I hope my answer can help you a little!
Hello, I'm Lan Jie, aiming at providing some methods and suggestions for more brothers and sisters to go ashore, solving some credit card and debt problems, transmitting positive energy and living a happy and beautiful life as soon as possible!
Financing debt must also be the risk of investment projects. The subject's question is just, what should I do if there are more debts arising from financing and they are all banks?
I think it depends on two situations:
1. After financing and borrowing, the investment failed. At this time, it is equivalent to the pure debt of 1 10,000 at once. The urgent task is to get a job first, at least eat and drink normally, and don't borrow money from others. First solve the problem of eating and drinking, consider debt, and fail to start a business. Although the defeat is glorious, the mood is definitely uncomfortable, but the mentality should be adjusted and not collapsed, because in this era, more than one million debts really have nothing to cross. It is no problem to plan your own debts and add a certain period of time.
2. After debt financing, the investment is still inconclusive, and it is possible to make a profit or lose money, but the pressure of debt repayment is great. In this case, it should be said that it is the most tangled time for investment entrepreneurs, and the future is also terrible. However, you have been able to raise more than 6,543,800 yuan, which shows that your integrity or project does have a lot to be affirmed, so put all your eggs in one basket, abandon your distractions and continue to work hard, and the worst case will return to the first case. Afraid that your hands and feet will affect the progress of your business.
The above viewpoints are all decided by your own judgment. If it is useful, learn from it. If they are useless, ignore them. Thank you.
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Thank you very much for inviting me! I can answer this question for you here. Let me take you into this question. Now let's discuss it together.
More than one million debts are unbearable for any ordinary person. In the face of this debt of more than one million, all of us will be affected. But it is often at this time that we must not be discouraged. There is still a long way to go in life, and we must find a way to solve the debt problem. Then tell me what I personally think I should do in the face of more than one million debts.
No matter what reason you owe this account, before you owe this account, I believe that you are a person who has done well in many aspects. Because you need to borrow so much money, I dare not say that you have been brilliant before, but you must have your own neighborhood in some way. So you need to find the right direction to do it, and make a good plan on how to get back with only over one million yuan. Before that, I think you should see who you owe money to. If it is owed to the bank, according to the interest of the current bank loan, it will be paid back about 5 thousand a month. If you owe usury, the interest will be more. So is it possible to seek help from friends and relatives around you, reduce interest expenses and relieve some pressure? In this way, you can devote yourself wholeheartedly in your future work.
Is there any good way to make money? It depends on the actual situation. First of all, you should think carefully about why you owe such a large debt. No matter what reason you owe, you should sum up the experience of failure and find the direction of struggle from failure. In your case, I don't recommend doing something risky in the future, such as funds and stocks. Although their income is really ok, you have to have capital. If the stock market is not good, you are likely to continue to be in debt. Although some people have flipped in the stock market, everyone knows how small the ratio is, so I suggest trying not to touch such high-risk things. Then if you want to turn over, you must do something practical. In this case, you must make good use of your previous contacts to find a job with high income, but you should make more efforts than ordinary people to find more part-time jobs. Or you owe so much money to do a project before, and you are confident to bring this project back to life, so let it go. Anyway, life is not over, and the struggle is endless.
There used to be a saying on the Internet that "all the ways to make big money are written in the criminal law", so when your daughter earns money to pay off this debt, you must take good care of yourself, earn money in a down-to-earth way, have hope and believe that one day you will usher in a new life.
The answers to this question shared above are all personal opinions and suggestions. I hope the answer to this question I shared can help everyone.
Meanwhile, I hope you like my sharing. If you have a better answer to this question, please share your comments and discuss this topic with me.
Finally, here I am. I wish you all a happy life, good health, a prosperous family and everything, a big fortune every year and a prosperous business. Thank you!
As a post-90 s generation, you dare to raise more than one million yuan, which can be said to be very courageous, because there are many people who dare to think and few who dare to do it. Of course, I am not encouraging young people to finance consumption, but I dare to borrow money from banks through financial credit when I have no money. I dare to borrow money for it. My courage is commendable!
After your courage is commendable, you should return to reality. When your ability can't control this "wealth", you should return to calm and never give up on yourself. It is good for young people to have goals and dreams, but life is often unsatisfactory. When they are in debt crisis, they should be calm and know how to clean up their debts. First, they have to pay off their debts and "break out of the tight encirclement" before they are eligible to start again.
Talking about "paying off debts" does have some skills, so you may wish to refer to them:
First of all, we must grasp the real situation of debt. Some people have a poor concept of numbers. They only know how many loans they have to repay each month, but they don't know what the total loan amount and interest amount are respectively. In this case, the easiest way is to ask the bank customer service specialist directly and ask her to help me make a detailed list. Once I see all the interest costs, I will definitely force myself to strive to increase revenue and reduce expenditure and speed up debt repayment.
Secondly, if you have accumulated different debts, you must first repay the loan products with high interest rates, because now the world has entered the financing "interest rate hike period". The loan interest will also increase accordingly. If you happen to have some spare money or year-end bonus, please don't rush to go abroad to play or treat yourself. It is better to simply repay the loan in advance and earn the spread after raising interest rates.
Third, draw up a complete debt repayment strategy. People who have a stable income or work in fortune 500 companies have the most chips to negotiate with banks. As long as they show each other the monthly salary list and seriously express their willingness to repay on time, banks will give in to the loan interest rate more or less in order to reduce the risk of bad debts.
Tip: the premise of the method is that you should be honest and sincere. You are trying to make money and have settled your debts, not shirking your responsibilities.
Work hard, Sao nian!
Do personal debt restructuring
Sort out all debts and make the repayment order of risk level.
Negotiate repayment to reduce personal repayment pressure.
Only when you have the ability can you borrow money. Since you borrowed it, you should work hard to make money. Just like there is a tiger behind you, you can't waste time looking back to see if there is meat in its mouth. The only choice is to run as hard as you can until your head is clean and you have no idea. Maybe you won't die, because even if you die, you will die peacefully because your head is blank.
If it is not overdue, negotiate with the bank, borrow money and repay it (bridge funds), and then borrow it. If it is overdue, you can only write a repayment plan to the bank, and it is best to pay it back from time to time.
Fried rice with oil