Loan to buy a fund Excuse me, I borrowed some money from CCB Credit, and now I have returned a large sum of money. Can I use it to buy a fund?
The idea of buying a fund with a loan is indispensable. It is risky to buy a fund with spare money, and it is also risky to buy a fund. Too stable money funds are disdainful, so once the money of an investment fund is lost and fails to achieve its expected goal, it will upset your heart and you will be in a hurry. The correct operation strategy will affect your judgment because of your inner confusion, so you should buy it with spare money.
is it okay to use the money from bank loans to buy wealth management?
It is a breach of contract for bank loans to buy wealth management, but it has not reached the illegal level.
1. Loans applied from banks must have a clear purpose. The bank expressly stipulates that loans cannot be used for securities, futures, equity investment, etc., so it is not feasible to use the funds from bank loans to buy wealth management products.
2. Besides, bank loans cannot be used for real estate development. General bank loans can only be used for personal consumption, as well as enterprise production and operation. Loans applied by individuals are generally used to buy large-scale consumer goods, home improvement, travel, study abroad and so on.
3. When people apply for a loan in a bank, they must also provide the corresponding loan purpose, otherwise the bank may not pass the examination. If the bank loan funds are used for prohibited purposes, once discovered, the borrower will have to bear the corresponding consequences.
4. If you don't have any funds at present, it's important to save money first, and it's not too late to invest and manage money when you have enough funds. Although you can also borrow money from others to manage your finances, investment is risky after all, and if you lose money, it will not be worth the loss.
1. Generally, bank loans are all project mortgage loans, and they all have clear and specific investment. Generally, lenders are not allowed to change the investment of loans without permission. Investment and financial management is not allowed. Because investment and financial management are very risky, this is undoubtedly very clear to banks.
Erjing Prefecture does not allow bank loans for financial management, which is a clear regulation made by China Banking and Insurance Regulatory Commission to avoid investment risks. If you use bank loans for investment and financial management, if you are found by the regulatory authorities, you may face severe punishment from the regulatory authorities.
Third, there is no doubt that investing in wealth management by yourself is very risky. The yield of generally safe wealth management products is generally lower than the bank loan interest rate. The risk of wealth management products with high annual interest rate is really too great, and it is possible to lose everything.
4. At present, the benchmark annual interest rate of general bank loans has reached 4.9%. If it rises by 2%, it will be 5.88%. If it rises by 3%, it will be the annual silver interest rate of 6.37%. The existing relatively safe short-term wealth management products generally have an annual interest rate of about 4.3% for one year, which simply cannot reach such a high annual interest rate for loans.
5. Therefore, if you get a loan from the bank for safer financial management, you will undoubtedly lose money. If you are doing high-risk and high-yield financial management, then the risk of losing your blood is great. Therefore, if you borrow money illegally to manage your finances, there is no doubt that your risk of loss is very great, and you will face severe punishment.
Will credit loan financing be discovered?
Yes.
banking institutions will take regulatory measures to investigate and deal with those who are trapped at the first ear. Using loans to buy wealth management and structured deposits, the essence of this behavior is to cash in and seek interest, which is the key regulatory object. When banks handle loans, they all have certain regulations on the use of the borrower's loan funds. When borrowers apply for loans from banks, they also need to explain the use of the loan funds to the banks, and when the loans are approved for lending, they also need to provide the corresponding proof of the use of the loan funds.
This concludes the introduction of credit loans to buy wealth management and credit funds to buy wealth management products. Did you find the information you need?