Some people choose loans as start-up funds in order to have money to buy wealth management products. Is loan financing cost-effective? Loan financing is not cost-effective, and the reference standard is naturally whether it can be profitable, so in other words, as long as the income from financing is greater than the interest on the loan, it is cost-effective.

Because the contents of loans are almost fixed and difficult to change, the cost of loans can be regarded as fixed. What we need to do is to choose the right financial products, so that the expected income of financial products can exceed the loan cost, which is equivalent to exceeding the loan interest.

When choosing wealth management products, we should first understand the interest rate of loans and the income of trust products, and then compare multiple loan products together to select the most valuable one. However, despite this, some loans cannot be used for financial management, such as bank consumer loans, which clearly state that they cannot be used for stock trading. On the other hand, banks offer many wealth management products, you can have a look.

To sum up, it can be said that it is better to spend the spare money on financial management, which will not affect your normal life and save the trouble of applying for a loan from the bank.

Second, can I borrow money to invest in financial management?

Loans are prohibited from being used for investment and wealth management. Loans are generally used for daily consumption, that is, for production and operation expenses. If the loan is used for investment and financial management, it is possible to expand one's debt, which will affect one's life and even lead to crime.

3. What if the bank loan of 500,000 yuan is used for investment and financial management?

When a bank lends money, it is not recommended to choose a risky financial product at the beginning, so as to avoid the loss of funds and inability to repay the loan.

In addition, short-term and relatively stable wealth management products can be considered, but the income may not be too high, and even the income earned with this loan may not be as good as the interest owed to the bank.