You can use mortgage loans or credit loans when making loans; Credit loans must provide a good bank flow and a good credit record. If you have a bad credit record, the loan is likely to be rejected. You can check the credit for confirmation before the loan.
Be sure to evaluate your repayment ability before lending, and don't exceed your burden. This loan had better not affect your life. If it is difficult to repay within one year, the loan time can be extended to reduce the repayment pressure.
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There is an obvious "leverage effect" between interest rates and the stock market, which will affect the increase or decrease of the stock market and bank funds. However, the rising interest rate will increase the production cost of enterprises, restrain the demand of enterprises and personal consumption, and ultimately affect the performance level of listed companies.
Raising interest rates for the stock market means increasing the cost of capital invested in the stock market. Bank interest rate hike and national debt interest rate hike are generally complementary. If the market risk-free rate of return increases, it will also affect the risk-free rate of return of the stock market.
If the investment income of the stock market is higher than the income of bank deposits compared with its safe income, then choosing the stock market will be the main reason for the diversion of savings.
Baidu Encyclopedia-China Postal Savings Bank
Baidu encyclopedia-loan interest