Let's talk about the first one, financial management. Suppose you are going to buy a property worth 5 million, you have an investment project of 3 million, and you only have this 5 million. The wise choice is: take out 2 million out of 5 million as the down payment and mortgage 3 million. The remaining 3 million will be invested. After analysis and judgment, under normal circumstances, the investment income will definitely exceed the mortgage interest, so we get more investment interest than the choice of buying a house in full and giving up investment. This is the truth of financial management.
The second is tax planning. For individuals, mortgage is obviously a kind of tax planning. It seems that the loan interest is overpaid, but in fact, the enterprise has gained two benefits: first, it can adjust the tax amount; Second, liquidity can be obtained. The benefits of both are sometimes far greater than the practice of paying off all the money in the account without loans. It is the most difficult to dig the first bucket of gold in a person's life. With the first bucket of gold, you set a threshold for yourself in this highly competitive world. It's hard for people below this threshold to compete with you. Don't say it's meaningless, because this is life.
Maybe everyone has different ideas. The richer they are, the more they like loans. Credit cooperatives are limited in their own ability. Qian Shengqian can benefit from revolving and gradual loans. These people have advantages in financial management and investment, and the economic burden of choosing loans is relatively small for them. The rest of the money can be used to "make money" and get more money by stocks or some investment means. Who will be too rich? On the contrary, if you choose the full amount, the funds will be reduced at once, and the money will be gone when it is spent, which feels uneconomical.