However, the market demand for loans is still great. After all, we are still far from the freedom of wealth. If you want to start a business without a loan, there will be no market at that time.
Loans are not only bank loans and mortgage loans, but also credit cards. In fact, many people misunderstand that loans are not terrible and overdue loans are not terrible. If you don't want to borrow money, it is equivalent to rejecting the opportunity to make a fortune.
First of all, proper debt will motivate you to make more money.
Shi Yuzhu, a business legend, has always been accompanied by borrowing money and debt in the process of starting a business. 199 1, Shi Yuzhu took Hanka software and 100 employees to Zhuhai to register and establish Zhuhai Giant New Technology Company. In the same year, the sales volume of Giant Hanka jumped to the first place of similar products in China, and the company realized a net profit of 10 million yuan.
1992, the capital of Giant Group broke through 1 100 million yuan, and Shi Yuzhu himself was crowned with the aura of multi-modal diversification, which ushered in the first peak of his career. After that, Shi Yuzhu once again invested 65.438+0.2 billion yuan to launch Brain Gold Nutrition, which was also profitable.
Under the weight of 250 million debts, many people think that Shi Yuzhu is really going to collapse, but Shi Yuzhu has made a comeback with resilience that ordinary people can't. From 65438 to 0998, Shi Yuzhu, at the end of his tether, learned that his friend had borrowed 520,000 yuan and started to operate melatonin. 200 1, Shi Yuzhu applied to register a giant company in Shanghai, requesting listing.
In June 2007 1 65438+1October1,Shi Yuzhu's Giant Network Group Co., Ltd. was listed on the NYSE, with a total value of 4.2 billion US dollars and a financing amount of/kloc-0.042 billion US dollars, making it the largest private enterprise in China, and Shi Yuzhu's worth more than 50 billion yuan.
What I want to say here is that debt is not terrible. The most important thing is whether you have the courage to pay debts, the vision to cope with debts and the ability to repay debts.
Second, thinking determines behavior. Why do the rich always get richer and the poor always get poorer?
Matthew effect refers to the phenomenon that the stronger the strong, the weaker the weak, which is widely used in social psychology, education, finance, science and other fields. Matthew effect, a term commonly used by sociologists and economists, reflects a polarized social phenomenon, with the rich getting richer and the poor getting poorer.
There is a joke someone asked:
"How much did Wang Jianlin earn?"
"Three generations can't be spent."
"Then how much do you owe?"
"Eight generations have not spent all their money!"
It is conceivable that compared with the money earned by Wang Jianlin, if it is overdue, the consequences will be even more unimaginable. However, Mr. Wang was not blacklisted because he was seriously overdue like Mr. Jia (and his wife) who "suffocated his dream". After all, people are in business. Although depressed, they sold a lot of assets and realized the wealth freedom that many people dreamed of.
It's exciting to think about achieving a small goal.
It is conceivable that the rich are keen on making money with loans, while the poor are thinking about how to repay their debts and avoid overdue. This is the difference in thinking between the rich and the poor.
Third, overdue is not terrible. The terrible thing is that you don't want to change the status quo.
If the loan can help your career, and you happen to have the loan qualification and repayment ability, then why do you refuse the loan and the opportunity to realize wealth freedom? You should know that success is impossible, and only when you pay can you get a return, so you use loans to make high-risk investments.
Investment is risky. With high leverage of loans, you value others' rate of return and others value your principal. As long as the loan or the money you have worked so hard to save fails, it will certainly leave a stain of high debt and credit information. Besides being able to borrow money, you should also know how to use it.
Overdue is not terrible, as long as the loan is used reasonably and repaid on time every month, it will definitely not be overdue. Even if you forget to be overdue for a few days, there will be no particularly serious consequences. As long as it is not maliciously overdue, it is no problem to return it as soon as possible. But to refuse a loan is to refuse wealth and freedom!