Not necessarily.
People who can borrow 1 10,000 in the bank are not necessarily rich. If they borrow 1 10,000 yuan in the bank, they can lend it as long as 18 years old and earn 4,000 yuan a month.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
Why do many rich people who are not short of money need loans to buy a house?
No matter rich people, ordinary people or even diaosi, buyers must borrow money to buy a house, instead of paying the full amount stupidly.
Rich people understand this truth better than the average person. Therefore, they have to take advantage of bank loans. If possible, they want a down payment of 10%.
But ordinary people don't have such a profound understanding as the rich, mainly because of the limitation of traditional thinking mode. Most ordinary people are forced to borrow money to buy a house because they really don't have that much money and can only borrow money. Many people may not know that in China, the housing loan is a welfare that the government gives you in disguise.
Since it is a welfare, why not? Of course, the rich know all this, and even if they have a lot of cash, they still have to borrow money.
Many people may not understand why I don't pay interest to the bank when I buy a house loan. This is just a business activity. How can it be the welfare given to me by the government?
In China, banks are very friendly when ordinary people have only borrowed money from them twice in their lives. Once you buy a house, once you buy a car. These two loans are easy, eligible and enjoy certain preferential treatment.
In the future, it will be extremely difficult for ordinary people to get loans from banks. Some people say it's easy now. Dude, that's not a loan at all, you understand? Is that consumption, consumption, consumption? Although it seems that the bank gave you money, it is not a real loan. If you don't understand this sentence, I don't know how to explain it to you
In short, whether you buy a house or a car, you need a loan. This is a free benefit. Why not?
Moreover, these benefits are only available for a few times, before you are fifty.
The bank will not lend you money in the future.
Some people say that only rich people can borrow money. The poor can't get loans. Is this thing backwards?
It is a social phenomenon that the poor ride bicycles to the bank to save money and the rich drive BMWs to the bank to borrow money.
1. Bank loans are not relief, you must be able to repay. Borrowing and lending are the same meaning, both of which are temporary use of other people's property. Generally speaking, the temporary use of private, company and unit money is called borrowing, while the temporary use of bank money (paying interest) is called borrowing.
2. The loan for the rich is to use the borrowed money for investment or action, and is not afraid of high interest rate or not paying back the loan. The poor are afraid of loans. On the contrary, I am afraid that I will not be able to pay back, and I am afraid that there will be more interest. They dare not use the money from the bank, and they don't know what to do with the borrowed money. Without a financial mind, this is why the poor are getting poorer and the rich are getting richer. If a friend asks you for money, will you lend it to the poor?
3. The loan doesn't mean that you have money or no money. The key depends on your credit information. Credit information is personal credibility, and it is the credibility of being a person and doing things. A high credit rating represents your credibility. Often many poor people don't have a credit record in the bank (who will lend it to someone without a record), and your living habits will also be recorded in your personal credit report, such as whether you pay the water and electricity bills on time and whether you obey the traffic rules. If there are arrears in water and electricity charges, traffic violations, social insurance failure, etc. Then your personal credit report is problematic, and it is easy to be rejected by the bank when applying for a loan.
So don't complain if you want to get a loan. I believe that as a legal citizen of this society, with no bad record, I can basically get loans with certain bank funds.
I just read two sentences in a book today, and I think it's appropriate to answer this question.
"The essence of finance, in personal capital's words, is called the effective allocation of resources; In words you don't like to hear, finance will always use your money to serve people who are richer than you. "
"From an artistic point of view, finance is just icing on the cake, never giving charcoal in the snow; Seeking truth from facts, finance will always serve the strong. "
This is true from the perspective of the whole world, the whole country and individuals.
If the above two sentences are not easy to understand, then you can think about it. Where is the most developed financial place in the world? Wall Street, New York. What is the most economically developed country in the world? America.
Where is the most developed financial area in China? Shanghai. Where is the most economically developed place in China? Yangtze River Delta.
It is easy to understand that resources in the financial sector are flowing and concentrated in economically developed places.
Personally, of course, it flows to people with greater wealth, or to put it bluntly, to people with more money.
The money used by the bank to issue loans is not the bank's own, but the depositors deposit it in the bank. There is a creditor-debtor relationship between depositors and banks.
Banks lend depositors' money to borrowers, and the relationship between banks and borrowers is also a creditor-debtor relationship.
In the creditor-debtor relationship, the ownership of funds has not been transferred, but the right to use funds for a certain period of time.
Ownership has not been transferred, so the money has to be returned; The transfer of the right to use, the money is not wasted. What needs to be paid is interest.
If the borrower borrows money from the bank and fails to repay it, then the bank will have no money to repay the depositor's money, and the chain will be broken.
And it's not just chains. If we regard all our banks as a system, it contacts a large number of depositors and borrowers at the same time. Through the banking system, funds continuously flow from depositors to borrowers, and then the borrowers put the funds into the production process to realize value-added, then flow back to banks and finally flow back to depositors.
So we regard the banking system as a person's heart, funds as blood, and the heart is the hub of blood. From this perspective, no country will let its banking system collapse.
Commercial banks are essentially enterprises, and their ultimate goal is to maximize profits. When it provides loans to foreign countries, it needs to consider whether each loan business can bring it profits, even if it does not consider its important role in the whole national economy.
Profit = revenue-cost. The income of the loan is interest, and the cost item is more complicated, so I won't expand it here. But what is certain is that if the borrower has strong strength, large scale, strong repayment ability and good credit record, the cost paid by the bank in handling the loan will be far less than that of the borrower with weak strength, small scale, poor repayment ability and poor credit record.
Therefore, it is not that banks are willing to be too poor to love the rich, but that it is the essence.
No, because the rich have the ability to pay back, and the poor may find it difficult to pay back.
Why do rich people need loans?
Actually, cash and assets are two different things. A rich man doesn't mean that he is rich in cash. Cash is only a part of his assets. Many rich people have a lot of assets, but lack cash flow, so the richer they are, the closer they are to financial institutions such as banks. The most direct way to get a lot of money in the bank is to borrow money.
Why rich people have money is because they know how to use their own money to produce more money. Usually these rich people are mainly engaged in business, so once business is involved, expansion is essential. Generally speaking, they do big business, and their own money is never enough. To expand their business scale, they must rely on the support of bank loans, and only the rich can easily get loans from banks. They have various companies or assets as collateral. With the support of banks, they will make money, make profits and keep circulating.
So much for the introduction of loans for the rich.