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N Shortcut For Living A Dead Coin

2008/9/16 9:14:00 41819

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We are well versed in the principle that money gives birth to money and sports money, and we have heard of the story that "one penny can't defeat a hero" and "ginseng is sold as a radish" in crisis. For enterprises, the liquidity of assets is very important.

Everyone is likely to have trouble with cash flow and cash flow.

For the following reasons, the awkward situation of tight cash has been particularly prominent in 2008.

First of all, monetary policy has changed from tighter to tighter. Interest rate increases and the rate of deposit reserve have been increased frequently. The new policies and implementation standards of the second suites have been further implemented. Investors on the one hand bear more pressure on interest, and on the other hand, selling at high prices will become more and more difficult.

Second, the volatility of the stock market intensified and the risk was higher than the previous two years.

Once again, gold futures and other new investment varieties have been on the stage. Many investors have the habit of "catching up with the new". Many of them are blindly entering, and the risk of investment is increasing.

For investors with liquidity problems, how can we change the "dead money" into "living money" and tide over difficulties?

Revitalize the housing loan to make real estate "move"

Realizable target: Real Estate

Scope of accommodation: mortgage borrowers

Cash flow rate: application is slower and faster.

Cost of payment: interest on mortgage loans

5 years ago, when the housing price in Beijing was not as crazy as it is today, Mr. Liu bought a house of 100 square meters at a price of 4000 yuan / square meter, with a total mortgage loan of 70% yuan, a total of 280 thousand yuan, with a term of 20 years.

Now there are 200 thousand yuan left.

Apart from his work, Mr. Liu also opened a clothing store with his friends.

Recently, clothing stores want to expand their scale and need a large amount of capital to increase investment.

But Mr. Liu could not get the money on hand.

House prices are constantly rising. Houses, as their biggest assets, are fixed there and can not be realized.

In fact, many banks have launched their own innovative housing products, such as the open mortgage loan of Minsheng Bank and the "bank loan" of the Construction Bank. Through these businesses, the real estate can be revitalized and the dead money become a living money.

After reassessment, Mr. Liu's house appreciated to 8000 yuan / square meter, 7 of which was mortgaged, and Mr. Liu got 560 thousand of the loan amount, with a term of 30 years, which can be used to make additional investment in clothing stores at any time.

The amount of this loan account is usually up to 8 of the value of the real estate appraisal, the repayment time is up to 30 years, the quota has no upper limit, and the highest interest rate can be reduced by 15%. No matter how many loans are applied, an interest rate is shared.

In addition, the account also has the advantage of one application and long-term recycling.

Revitalize the real estate loan account, can quickly solve the problem of shortage of money, but also enjoy the preferential interest rate, but the problem is that it takes a certain time to apply.

If you have a mortgage, you may wish to apply for a loan account that can revitalize the property right now, so as to prepare for a rainy day, especially for a larger amount.

Private lending hurts and is happy.

Conversion target: personal credit

Scope of adaptation: Jiangsu and Zhejiang provinces are more common.

Cash flow rate: faster

Cost of payment: higher

When people are in urgent need of cash, the overwhelming majority of people's first reaction is to find relatives and friends for emergency.

The biggest advantage of this way of borrowing is that there is no interest, and then the original amount will be returned.

But the problem is that many people are good at saving money by borrowing money from others, and even though they have no interest, they owe a favor.

Similar to borrowing money from friends is private lending, which avoids the above shortcomings. It is also easy to handle in areas where private capital is well developed, such as Jiangsu and Zhejiang, and can quickly get the cash needed urgently, but it must bear a higher interest cost.

At present, the monthly interest rate of private lending is generally between 10% and 20%.

According to the relevant laws and regulations, the interest rate of private lending can be higher than the interest rate of bank loans, but the maximum rate should not exceed 4 times the interest rate of the same kind of loans. The part exceeding this limit is called "usury" and is not protected by law.

In addition, interest should not be included in the principal to calculate compound interest (i.e. profit margin).

According to the judicial interpretation of the Supreme Court, the loan between citizens and non-financial enterprises is regarded as true and effective as long as the real will of the two parties is expressed.

However, one of the following circumstances should be considered invalid: one is to raise funds illegally for employees in the name of loans, the two is illegal fund-raising to society, three is to extend loans to the public, and four is to violate other laws and administrative regulations.

How can we achieve better financing through private lending?

First, through the introduction of a familiar friend, there is room for negotiation in terms of interest rates.

The two is that some people take a guarantee from it, because the liability associated with the guarantor can reduce the risk of the fund provider to a certain extent.

Three is to provide real estate, valuables and other mortgages.

Personal Borrowers usually need to provide information including identity cards, household registration books, marriage certificates and housing warrants, state land use warrants, and mortgagor and borrower's identity card, household register and marriage certificate.

The borrowers usually need to provide information including business license, articles of association, board resolutions, appointments to legal persons, identity cards, company basic accounts, tax vouchers, financial statements, housing ownership certificates, state land warrants, and loan usage manuals.

Pawn financing pledge quickly realized

Realizable targets: physical assets, real estate and financial assets.

Scope of adjustment: the amount of cash settled depends on the value of the product and the time limit for repayment.

Cash flow rate: faster

Cost of payment: higher

Although some of the pawnshop's impressions still lie on the poor poor and the smart Shimbun, a valuable mink coat has turned into a "insect eating rat bite, a bare fur coat," but the pawnshop in modern life has changed from "saving the poor" to "urgent", becoming an increasingly important financing channel.

In accordance with the "pawnshop management measures" implemented in 2005, households can mortgage their property, property rights or real estate as collateral for a certain proportion of fees, obtain the gold and pay the gold interest within the agreed time limit, repay the gold and redeem the property.

Generally speaking, the assets that can be used for pawn include physical assets (automobiles, artworks, digital products, etc.), real estate and financial assets (stocks, bonds, bank bills, etc.).

Among them, physical assets mortgage is the most commonly used, and the characteristics of quick liquidation are the most fullest. Real estate pawn is similar to the real estate mortgage loan of the bank. It has to wait ten days after the procedures such as approval, assessment and notarization of the housing authority. It has high risk and low income for pawnshops, so this business has not been carried out. As for financial assets pawn, because commercial banks are restricted by laws and regulations and do not accept stock mortgage loan business, pawn shops become the only legal channel for stock pledge loans.

After three steps of trial, inspection and acceptance, pawns can realize the conversion from goods to cash, and the time required is usually relatively short.

The proportion of cash realisation generally accounts for 50% of the assessed value of a product - 90%. usually does not exceed 6 months in the current period.

The costs involved in pawning involve integrated management fees and interest on gold.

The comprehensive management fee is the service charge, management fee, storage fee and other expenses paid to the pawn shop in the pawn process.

According to the regulations, the monthly comprehensive rate of pawn of chattel mortgage, mortgage of real estate mortgage and pledge of property rights shall not exceed 42 per thousand, 27 per thousand and 24 per thousand respectively.

If the current period is less than 5 days, the relevant fees will be charged on 5 days.

When the gold rate is implemented according to the 6 month statutory loan interest rate and the time limit for pawnage issued by the people's Bank of China, the pawnshop is generally charged at 0.5% per month.

When interest is not allowed, payment is made at redemption or renewal.

Compared with bank loans, pawn financing has several advantages: first, pawn loan procedures are simple, quick, time-saving and labor-saving, and generally, such as "gold and silver jewelry" and other "civilian supplies", as long as the procedures are complete, a few minutes can be processed.

Secondly, there is no requirement for the borrower's credit degree, so long as the two circulation price of the pledge item exceeds the loan amount.

Third, but ask for the purpose of borrowing.

In some banks, special loans such as travel loans and home purchase loans are used.

Fourth, pawn loans are not subject to loan quotas.

Policy mortgage loan insurance can also help.

Realizable target: Policy