If you use a loan to buy a wealth management product, it is risky and generally not recommended.

If I understand correctly, you are going to buy wealth management products with bank loans. If you are going to buy fixed-income wealth management, or if you deposit your money in the bank for regular wealth management, then your loan interest may not be repaid. If your loan interest rate is very low, buy some fixed-income wealth management, or put it in the bank for a fixed period. As long as the fixed deposit rate is higher than the interest rate of your loan, you can make money, and the bank time deposit is still relatively safe. If you want to do this, and you can ensure that your rate of return is higher than the interest rate of bank loans, then it is safer to do so, because you can clearly see the benefits of fixed income or bank regular financial management. In general, as long as its yield is higher than the interest of your loan, then we can earn the difference between us in this way. Under normal circumstances, it is difficult to do so, because the interest on loans is often higher than that of our fixed-income financial management.

If you buy some risky bond funds for financial management, the risk is not small, because even the less risky bond funds sometimes face a decline in share. Therefore, it is risky and unsafe for you to buy such financial products with loans. This is not recommended, and even if this operation is successful, you won't make a lot of money, because generally speaking, the annual yield of bond funds is not very impressive, which may be similar to your bank loan. In addition, such products.

If you use bank loans to buy stock funds or even stocks, it is highly recommended, because stock funds and stocks often face ups and downs. If it rises well, it will account for more, because most people lose money in this kind of financial management operation, and besides your own money, it will be even more irrational for you to manage your finances with your own money, so it is said that you use the bank in front of this risky investment.

So, if you buy wealth management with a bank loan, it depends on what wealth management you buy and the interest rate of your bank loan. If it is fixed income or fixed deposit, if your rate of return is greater than the interest rate of the loan, it is barely acceptable, but the income will be very low. If you want to use the loan money to buy a bond fund, it is risky and unsafe. If you want to use the loan money to buy stock funds or even stocks. This article does not constitute any investment advice, and investors should make their own decisions at their own risk.

Can the money from bank loans be used to buy wealth management?

It is a breach of contract for banks to borrow money to buy wealth management, but it is not illegal.

1. Applying for a loan from a bank must have a clear purpose. Banks expressly stipulate that loans cannot be used for securities, futures, equity investment, etc. Therefore, it is not feasible to buy wealth management products with bank loan funds.

Besides, bank loans cannot be used for real estate development. General bank loans can only be used for personal consumption and enterprise production and operation. Loans applied by individuals are generally used to purchase large-scale consumer goods, home improvement, travel, study abroad, etc.

When people apply for a loan in the bank, they must provide the corresponding loan purpose, otherwise the bank review may not pass. If the bank loan funds are used for prohibited purposes, once discovered, the borrower will have to bear the corresponding consequences.

If you don't have any funds at present, it's important to save money first, and it's not too late to invest in financial management 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, you will lose more than you gain.

First, general bank loans are project mortgage loans, all of which have clear specific investment, and general lenders are not allowed to change the loan investment without authorization. Investment and financial management are not allowed. Because investment and financial management are very risky, banks are undoubtedly very clear about this.

Second, bank loans are not allowed for wealth management, which is a clear regulation made by CBRC 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, self-investment and financial management is undoubtedly 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.

At present, the benchmark annual interest rate of general bank loans has reached 4.9%. If it goes up by 20%, it will be 5.88%. If it rises by 30%, the annual interest rate is 6.37%. The existing relatively safe short-term wealth management products generally have an annual interest rate of about 4.3%, which is simply not as high as the annual interest rate of loans.

Therefore, if you go to the bank for a safer financial management, you will undoubtedly lose money. If you are engaged in high-risk and high-yield financial management, the risk of losing all your money is great. Therefore, if you illegally borrow money to manage your finances, there is no doubt that your loss risk is very large and you will face severe punishment.

Is it illegal if I use the bank's consumer loan as financial leverage? There are still some bad consequences.

It is not illegal, but it is generally not recommended. Leveraged loans are similar, for example, some one-time repayment loans, the company only needs to pay interest, and the principal can be paid off later; Refinancing with the mortgage loan in the subprime loan is to replace the old one with the new one. It is recommended to consult the local bank for loans. Need to prepare information:

1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address: such as house lease contract, water and electricity.

Consumer loans cannot be used to buy wealth management products such as funds, especially when hardware products such as real estate cannot be bought, they must be used for consumption. Banks can monitor the flow of this consumer loan by monitoring the bank account of the loan applicant. Once the bank feels that the purpose of the loan is different from that at the time of application, the bank has the right to recover the loan. Therefore, when applying for a loan, you must be clear about your purpose and use it for special purposes. Only in this way can we meet the conditions for applying for a loan.

However, some people are skeptical. They think that banks have no right to invade their privacy anyway, but this is not the case. The bank will carefully supervise each loan, and once it finds illegal use, it will recover the loan in time.

Leveraged trading is to invest several times the original amount with very little money. In order to expect to get a rate of return that fluctuates several times relative to the investment target, or lose money. Because the increase or decrease of margin (small funds) does not move according to the fluctuation ratio of the underlying assets, it is very risky. Leveraged trading is also called virtual trading and deposit trading. That is, investors use their own funds as a guarantee to enlarge the financing provided by banks or brokers for foreign exchange transactions, that is, to enlarge the trading funds of investors. The financing ratio is generally determined by banks or brokers. The greater the financing ratio, the less money customers need to pay.

Trading is continuous 24 hours a day from Monday to Friday, which is convenient for entering and leaving at any time and avoids the risks caused by gaps every other day. Although there is a gap in the news released regularly during the day, it can be avoided by pre-ordering or empty positions. 24-hour trading also gives office workers enough time to invest and make profits. In particular, the active period of the foreign exchange market is relatively concentrated from 3 pm to 1 1, which coincides with the domestic stock and futures markets in time, providing convenience for domestic office workers to engage in this freest "second job". If they make long-term orders, it will be more worry-free and labor-saving.

Can loans be used to buy wealth management and make money? Do the math!

Now the internet financial market is very prosperous, and many platforms have produced loan products and wealth management products. Among them, the annual interest rate and the expected rate of return are quite different, and some online loan interest gaps are several times. Some borrowers want to ask, can loans buy wealth management? Can loans be used to buy wealth management and make money? Let's make a rough calculation.

Generally speaking, except for products with very high interest rates, online loans with an annual interest rate of 20% to 36% belong to relatively high interest rates. You don't have to calculate it, and you won't lose money if you manage money. So is it feasible for the annual interest rate to be lower than 10%?

Give an interest and find a loan from a bank financial institution, which is safe and reliable, and the interest rate is low. If you borrow 50,000 yuan a year and the annual interest rate is 8%, then the annual interest rate is about 4,000 yuan. Can financial management make money?

1, the annualized expected rate of return of most bank wealth management products is about between, and the annual interest rate of loans is 8%, which is very different and it is impossible to make money;

2. Invest in online lending platform. Now the novice bid is about 10%. You can find such products, but the security risks are great, and many online lending platforms will limit the purchase amount and duration. Generally speaking, the profit margin is relatively small;

3. The calculation of bank loans is compound interest, while the purchase of wealth management products is simple interest, which means that you owe the bank 5 cents, snowball to 694 yuan five years later and deposit 5 cents in the bank. If it is to rise to 694 yuan, it will take 2650 years, and the two will never be equal.

In these respects, banks and financial institutions have already calculated almost the same. Unless you take the risk of buying stocks and other high-risk financial management, it is difficult to have a stable profit difference. After all, there are few opportunities for empty hands. In addition, when issuing loans, banks have clear restrictions on the use of loans, and may not use loan funds for financial investments such as stocks, securities investment, futures trading, foreign exchange trading, and entrusted wealth management. Once it is discovered, it is very likely that it will never be able to handle banking business in the future, which is not worth the candle.

So much for the introduction of bank loan financing.