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The post-90s generation has more than one million yuan in financing debts, all of which are bank loans. What should I do if there are more debts?

I am also born in the 1990s. To be honest, all my debts are mortgages. The mortgage is more than 1 million, and I pay more than 7,000 every month. I have no choice but to work hard to make money. I really can’t bear it. I relied on family help for a month. I thought about it, and it was too much for me to rely on salary alone. I am a member of a public institution, and my monthly salary is only 6,700 yuan. I still have some investments. When I was a student, I mainly studied macroeconomics, and I worked as a leek for several years. The current stock market is okay, and some profits can basically be guaranteed. Thinking of Zhou Tianwang’s famous sayings, the post-85 generation will enter the middle class in 2019 2020, so go for it, Sao Nian.

Hello friend, I am very happy to answer your question!

In response to your question, let me share some suggestions with you:

First of all, adjust your mentality, stay optimistic, avoid negative emotions, and accept the fact that you are already in debt. , since you owe more than one million yuan in financing liabilities, it proves that your ability is still OK. It is said that you are light on debt. Since I have been on the road to starting a business, I am often in debt. Debt is a common occurrence for me, and bank debt collection is also common for me. At this time, your steady state of mind is more important than anything else.

Secondly, analyze the reasons for failure, what led to debt, and what you should pay attention to next time you refinance or do a project. You need to deeply reflect on yourself.

Then, think about what you should do? Should I go to work or do something on my own? You currently have a debt of more than one million yuan. If you go to work, even if you pay back 300,000 yuan a year, you will have to pay it back in 3 to 4 years. Of course, if you have strong abilities and good connections, you can work as a senior executive in a company, with dividends and commissions, and it is normal to pay it off in about 2 years. If you encounter a very good project, it is possible to pay it off in more than a year. The key depends on your own comprehensive capabilities and the resources at hand. If you do it by yourself, then you have no money and will be in debt of more than one million yuan. If you can find good projects and start-up funds, and can bear the risks after the project fails, you will have the resilience to If you are a talented person who can afford to win or lose, then you can do it yourself. Start your own business and pay off your debts. It is quick and easy, but the risk is also higher. There is another way, but you must have a good network of contacts. You can cooperate with the company and split it 50-50, which can quickly turn your contacts into cash. This does not cost much. A relatively compromise choice.

Finally, choose your own career path. Whether you work part-time or do it yourself, you need to be down-to-earth, one step at a time, and stick to the end of your choice. Otherwise, the cost of your time will become higher and higher. Your competitiveness will become weaker and weaker.

In addition, the specific method must be considered based on your actual situation, whether you owe more than 1 million or more than 10 million. The key is not to mess up. I still have friends who owe hundreds of millions. It took about ten years to repay the debt. Do whatever you can to the best of your ability. The best feeling is to jump up and pick apples.

Let me give you an interesting quote: A person with a debt of 50,000 yuan indicates that he is responsible; a person with a debt of 200,000 yuan indicates that he understands finance; a person with a debt of 500,000 yuan indicates that he has the ability to repay. A debt of 1 million proves that he has a car and a house, and his future life will be happy. If a person has a debt of 10 million, life is a taste and a luxury! A person has a debt of 50 million. He is the CEO of a listed company. If a person has no debt, it means he is still a loser.

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My friend, I hope you can pay off your debt as soon as possible, and I hope my answer can help you a little!

Hello everyone, I am Lan Jie. I aim to provide more brothers and sisters with some methods and suggestions to get on board, solve some credit card and debt problems, pass on positive energy, and live a happy and beautiful life as soon as possible. Life!

Financing liabilities must also be used to start a business and invest in projects. The question asked is just asking what should be done if there are more debts due to financing, and they are all from banks?

I think it should be determined in two situations:

1. After financing liabilities, the investment failed. At this time, it is equivalent to you suddenly having more than 1 million in pure debt. The first priority is to find a job for yourself. At least you can eat and drink normally without borrowing money from others, right? Eat and drink first, then consider debt. If you fail to start a business, even though it is a glorious failure, you must feel uncomfortable, but your mentality must be adjusted well and not collapse, because in the current era, a debt of more than one million is really nothing. If you can't get over the hurdle, make your own debt planning and add a certain amount of time, there will be no problem in going ashore.

2. After financing debt, the investment has not yet been finalized. It is possible to make a profit or lose, but the pressure to repay the debt is high. In this case, it should be said that it is the most difficult time for investors to invest in entrepreneurs, when the future is promising and scary, but you have the ability to raise more than 1 million yuan, which shows that your integrity or project does have a lot to be recognized. , so make a desperate move, abandon distracting thoughts and continue to work. The worst thing you can do with great vigor will be to return to the first situation. Being timid will actually affect the progress of your business.

The above opinions are all based on your own judgment. If they are useful, learn from them. If not, just ignore them. Thank you

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Thank you very much Wukong for the invitation! I’m here to answer this question for you, let me lead you into this question, and now let’s explore it together.

Any ordinary person would be unable to bear the burden of a debt of more than one million yuan. Faced with this debt of more than one million yuan, our entire being will be affected. But this is often the time when you must not be discouraged. There is still a long way to go in life, and we should find ways to solve the debt problem. So let’s talk about what I personally think should be done when facing a debt of more than one million.

No matter what reason you owe this debt, before you owe this debt, I believe that you are a person who has done well in many aspects, because you have to owe this debt. Someone has to borrow this much money, so I dare not say that you have been brilliant before this, but you must have your own neighborhood in some aspects. So you need to find the right direction and make plans to pay back just over one million. Before doing this, I think you should check who you owe this debt to. If you owe it to a bank, based on the current interest rate of bank loans, you will have to pay back interest of about 5,000 yuan a month. If you owe it to Loansharks pay more interest. So, can you seek help from friends and relatives around you to reduce your interest expenses and relieve some pressure? So that you can devote yourself to your future work.

As for whether there are any good ways to make money, it depends on the actual situation. First of all, you should carefully consider why you owe this large amount of debt. No matter what the reason is, you should summarize the experience of failure and find the direction for future efforts from failure. In your case, I don’t recommend doing high-risk things in the future, such as funds and stocks. Although their returns are indeed okay, you must have capital, and if you encounter the stock market, The possibility of continuing to be in debt is also very high. Although there are some people who have turned around in the stock market, everyone knows how small this ratio is, so I suggest trying not to touch this kind of higher-risk thing. Then if you want to turn over, you must do something practical. In this case, you must make good use of your previous connections to find something with high returns. However, you have to put in more effort than ordinary people at work. Try to find as many things as possible. Do it part-time or something. Or you owed so much money because of a certain project in the past, and you are confident that you can bring this project back to life, so go ahead and do it. Anyway, life will not end, and the struggle will not end.

There was a saying on the Internet that said, "All ways to make big money are written in the criminal law." So when you are making money to pay off this debt, you must control yourself and be down-to-earth. To make money, you must 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.

I also hope that everyone will like my sharing. If you have a better answer to this question, please share it and leave a comment to discuss this topic together.

I am here at the end. I wish you all to work happily and live healthily every day. May your family and everything be prosperous, make a fortune every year, and have a prosperous business. Thank you!

As a post-90s generation, you dare to raise more than one million yuan in financing. This can be said to be very courageous, because there are many people who dare to think about it, but very few people who dare to do it. Of course, I am not encouraging all young people to use financing for consumption, but to dare to use financial credit means and borrow money from banks when they have no money, and to borrow money to fight hard. It is commendable for your courage!

After gaining commendable courage, you still have to return to reality. When your ability cannot control this "wealth", you must return to calmness and never give up on yourself. It is good for young people to have goals and dreams, but things often go wrong in life. When you fall into a debt crisis, you should treat it calmly. You must know how to sort out the debt, pay off the debt first and "break out of the siege", and only then can you be qualified. Get back on the road.

When it comes to "paying off debt", there are indeed some skills, you may wish to refer to them:

First of all, you must understand the true situation of debts. Some people have poor concept of numbers and only know their monthly debt. How much loan do you need to pay, but you don’t know what the total loan amount and total interest are? In this situation, the easiest way is to directly ask the bank's customer service specialist and ask her to help draw up a detailed list. Once you see all the interest costs, you will definitely force yourself to find ways to increase revenue and reduce expenditure, and speed up paying off the debt.

Secondly, if you accumulate different debts, you must start with loan products with high interest rates, because the world is now entering a financing "interest rate increase period." Loan interest rates will increase accordingly. If you happen to have some spare money or receive a year-end bonus, please don't rush to go abroad to play or treat yourself. It is better to simply repay the loan early and earn the interest rate difference after the interest rate increase.

Third, formulate a complete debt repayment strategy. Those with a stable income or working in top 500 companies have the most leverage to negotiate with the bank. As long as they show the other party their monthly salary slips and seriously express their willingness to repay on time, the bank will more or less repay the loan in order to reduce the risk of bad debts. Concessions on loan interest rates.

Tips: The premise of this method is that you must be honest, sincere, and work hard to make money and have settled your debts instead of avoiding the responsibilities you should shoulder.

Work hard, Saonian!

Need to reorganize personal debt

Sort out all debts and arrange repayment according to risk level

Negotiate repayment to reduce personal repayment pressure

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Only if you have the ability can you borrow money. Now that you have borrowed it, then find a way 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 his mouth. The only option is to run as fast as you can. , run with all your strength, until your head is clean and there is no more thoughts, you may not die, because even if you die, you will die peacefully because your mind is blank

If it is not overdue , negotiate with the bank, borrow the money and repay it (bridging funds), and then borrow again. If it is overdue, you can only write a repayment plan to the bank. It is best to pay back from time to time.

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