This is " money female information stands "
The 15th is achieved formerly
Very glad to encounter with you
Stationmaster went to aunt home yesterday be a guest, the everybody between banquet is asking the cousin that just graduates this year, the job that just sought how? Loosen gently? Pay how?
Cousin complains, although oneself entered foreign capital bank to feel very lofty go up, but was allocated credit card branch. Often want to go out not to say, the credit card that she is in a bank does calorie of doorsill taller than other bank, think the person that do does not do more very much, affirmation of oneself deduct a percentage from a sum of money is little also. To the high threshold of the bank, she and work in the same placing sniff.
Stationmaster feels the decision of their bank is very wise however, after all indebted rate gets Chinese countryman already high now unusual, the brim that a lot of families are going bankrupt, gentleman does not stand under danger wall.
Dweller debt crisis
Chinese all along has the tradition of deposit, stationmaster in one's childhood, the person all round is very inimical to loan, former China is deposit big country. Ten years short nevertheless time, china became from deposit big country indebted big country.
The room is borrowed, the car is borrowed, consumption is borrowed, credit is borrowed, the loan with various items is drawn out not only empty the Chinese's saving, still let a lot of people bear this all one's life to return not clear debt.
We will see dweller leverage, dweller leverage is the proportion that dweller department liability holds GDP. 2017, dweller leverage of China is as high as 49% , 2018 1 quarter, this number exceeded 50% . Should know to be in 2008 when. Dweller leverage or 18% .
Causing the main reason that dweller leverage rises quickly is a house, in the dweller loan of the commercial bank, having 70% above is housing loan.
For the person to doing not have a room, housing is to just needed, much more expensive want to buy, draw out empty parents to accumulate Fu Shoufu's there are plenty of such people. The person that has had a house also feels the house is a very good investment, in the team that still buying room main forces.
Although the government is in all the time,advocate go lever, but the lever that those who go is government, state-owend enterprise and company of a few estate. Go lever wants namely little was in debt, estate company goes lever, want to raise the turnover rate of the product, spoken parts in an opera, want to sell a house namely. The dweller is indebted bought a house, be equivalent to receiving dish the family's lever.
The room is borrowed growing in ground of in an orderly way, consumption is borrowed, credit borrows unwilling also give the impression of weakness.
The branch that takes consumption to borrow -- campus is borrowed cite a case, the undergraduate borrows campus to borrow owe a huge sum of money to had calculated do not get news.
Mix before cousin prattle when, she says adjoining class has a man student, it is luxury up and down all over, giving the hotel that basks in all right is sweet case lira, everybody thinks he is rich 2 generation, thinking of was to borrow campus to borrow.
Brief half an year, that schoolboy was owed 500 thousand, the schoolboy's father sold the house in the home give him repay a debt.
Stationmaster hears here to just wanted to say, although this lesson is bit bigger, but pay off in time fortunately, unapt beyond redemption. Did not think of cousin to say, after still be over, that schoolboy continues to borrow.
Very much still like such example, in the statistic of official data, the debt income of Chinese dweller is compared 2017 2 quarters had been approached 80% .
If add what official statistic is less than? This number can have many breathtaking. A lot of families of China, the brim that going bankrupt actually wanders, it is Wen Shui only the frog that boil, had not been aware of temporarily.
Debt crisis falls how to save oneself
It is under debt crisis, we must save oneself through improving our balance sheet. And it is the most important to improve a balance sheet still is to reduce debt, can let the debt that you still do not have especially.
We improve the first condition of the balance sheet, want the debt that ceases usury immediately to pay off namely, it rolls lest more bigger.
Say candidly with family friend, if money can lend over there them, take the capital of these low cost to block cavity up first, necessary when still can sell off a few asset. If be immersed in every month to be able to return the predicament of accrual only, go very hard again.
The 2nd pace, stop all meetings to let his be immersed in debt difficult position " free borrow or lend money " .
Flower, Beijing east white with credit card and his like, often be inspected by us free borrow or lend money, want seasonable reimbursement to need not pay interest only, even if be to do not have so much money for a short while, also can return one fraction first, those who remain is rich return again, accrual at first sight is not much also.
Flower exceed the time limit is a day extremely, sound OK still accept, but conversion is led into annual interest, flower the accrual of exceed the time limit is 18% , beijing east white an annual interest rate with credit also exceeded 10% .
If everybody can make sure he is seasonable reimbursement, falling with is have not cannot. If unwarrantable seasonable reimbursement, was inferior to be not being used, still can reduce a lot of needless consumption.
The 3rd pace, indebted inevitable when, preferential configuration good debt.
Although we are,not be in debt as far as possible, but it is inevitable that some moment are in debt. Since want to be in debt, be inferior to owing some of good debt. Borrowed money most does not want accrual over there family and friend, but family also unlikelihood is so much money is OK give financial help to.
Below this kind of circumstance, first consideration room is borrowed and aid learn loan.
The room is borrowed is numerous commerce in loan, time is the longest, of accrual lowest. When capital should buy a house again not quite, do not borrow money to pay total money, likelihood short-term loan looks from returned number, can borrow be to one's profit than the room. But the interest rate that the room lends is subtractive inflationary word, extraordinary be to one's profit.
Our annual actual inflation exceeds 8% , and interest of present commercial house loan is 1.1~1.2 times standard interest rate, namely 5.39%~5.88% , you borrow money to buy a house to return be be to one's profit actually from the bank.
If problem of the debt in the home is more serious, have the word that the child is going to school again, the child's tuition does not want him to borrowed, go applying for to aid learn loan.
Helping the interest that learns loan is national subsidy, can when after graduation amortize. To solving the debt problem in the home, can have a bit help.
The 4th pace, do not lend money investment. Investment is a thing that has a risk, borrow cash investment to cannot be taken so.
The Chinese lends money investment is to buy a house likely, if want to use consumption to borrow ability to pay so that at first pays,stationmaster feels, was inferior to be not being bought.
The times that house price soares has gone, before the city with exuberant demand now is horizontal likely dish, 3, 4 lines those relying on that go lever goes up rise, even if do not drop,coming also is to cannot give a glove to show, you are in debt why go buying.
Debt crisis is sure to come over, all sorts of debt June explode recently thunder, it is a signal actually. Chinese economy still is at present in phase of be issued to lower levels, the conduction of debt will spread to ordinary common people to go up personally.
A new era has been pulled open prelusive, you were not understood, do not represent nonexistent perhaps won't happen. Control debt lever, the consumptive desire that dominates you. Go bankrupt, have the Yao of one pace only from us actually.
