tag:blogger.com,1999:blog-3886431187196458619.post3477785302465190378..comments2024-03-12T10:25:00.985+08:00Comments on 取之有道: 借貸 別為借而借止凡http://www.blogger.com/profile/13815373715261739551noreply@blogger.comBlogger62125tag:blogger.com,1999:blog-3886431187196458619.post-56872359178244489812017-07-31T21:22:56.289+08:002017-07-31T21:22:56.289+08:00我相信這未必與銀行有關,或者不同客戶有不同結果,不妨到銀行問問吧。我相信這未必與銀行有關,或者不同客戶有不同結果,不妨到銀行問問吧。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-84209733499904367632017-07-31T16:11:20.086+08:002017-07-31T16:11:20.086+08:00有咩銀行可以借到咁平息有咩銀行可以借到咁平息Anonymoushttps://www.blogger.com/profile/00944162837374671798noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-12736886837124622672017-07-26T12:57:18.633+08:002017-07-26T12:57:18.633+08:00財務操作,需要配合個人性格背景,人人不同吧。財務操作,需要配合個人性格背景,人人不同吧。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-53982324191502878242017-07-26T09:28:16.816+08:002017-07-26T09:28:16.816+08:00我父母就不識利用借貸來炒樓致富果種人黎......唉.......
可能因為當年佢地太窮, 成日睇到...我父母就不識利用借貸來炒樓致富果種人黎......唉.......<br />可能因為當年佢地太窮, 成日睇到人地借錢後欠債還不到錢的結局而怕....又怕睇錯市等因素.......ccchttps://www.blogger.com/profile/17602018156033902359noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-37614368436020017112017-07-17T12:53:51.221+08:002017-07-17T12:53:51.221+08:00銀行於這些年,實在水浸中,積極借錢出街。銀行於這些年,實在水浸中,積極借錢出街。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-2044471229283161142017-07-17T12:52:19.999+08:002017-07-17T12:52:19.999+08:00http://cpleung826.blogspot.hk/2014/03/blog-post_31...http://cpleung826.blogspot.hk/2014/03/blog-post_31.html止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-87194232639620194942017-07-17T12:05:44.919+08:002017-07-17T12:05:44.919+08:00銀行應該水浸得好勁,最近有間銀行用我2年前既收入水平做左個預批比我...額當然無止凡兄禁大,息率只做...銀行應該水浸得好勁,最近有間銀行用我2年前既收入水平做左個預批比我...額當然無止凡兄禁大,息率只做到~2.8%(點解知係2年前收入水平?因為我係2年前先同呢間銀行有交手,近呢2年我都唔係用呢間銀行出糧/大既出入帳,平時戶口只留不超過$100)<br />#借定唔借,還得到先好借木頭https://www.blogger.com/profile/13559722970839364579noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-41723843400759032762017-07-17T08:08:27.224+08:002017-07-17T08:08:27.224+08:00借錢買股票,就好像看兩隻馬在賽跑一樣,看哪隻先跑出。借錢買股票,就好像看兩隻馬在賽跑一樣,看哪隻先跑出。Anonymoushttps://www.blogger.com/profile/01906140656519410196noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-56284221167375291942017-07-16T10:00:33.044+08:002017-07-16T10:00:33.044+08:00這不是代表草率,而是代表他們不止看工資收入的吧。這不是代表草率,而是代表他們不止看工資收入的吧。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-70589905908860374602017-07-16T00:21:58.183+08:002017-07-16T00:21:58.183+08:00其實真係幾草率,小弟用匯豐儲蓄戶口出糧,該戶口每月都會清零,無任何資產及存款在匯豐,我問過職員,都可...其實真係幾草率,小弟用匯豐儲蓄戶口出糧,該戶口每月都會清零,無任何資產及存款在匯豐,我問過職員,都可借幾十萬Wallacehttps://www.blogger.com/profile/00598094761143154454noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-79128499617510852012017-07-15T22:07:15.835+08:002017-07-15T22:07:15.835+08:00這是負債的壞處,若早知經濟危機在前,誰也不會運用負債了。另一邊廂,若一直QE,資產價格會被「吹脹」,...這是負債的壞處,若早知經濟危機在前,誰也不會運用負債了。另一邊廂,若一直QE,資產價格會被「吹脹」,反而負債卻不會,負債始終是雙面刃。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-21354289825249150402017-07-15T20:25:55.986+08:002017-07-15T20:25:55.986+08:00應該是負債卻不會減少
Small potato應該是負債卻不會減少<br />Small potatoAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-53256182505040409502017-07-15T20:25:10.992+08:002017-07-15T20:25:10.992+08:00經濟危機中,資產會減少,但負債卻不會增加,導致好多人破產。
而家各國開始收水,之前QE谷起的資產價格...經濟危機中,資產會減少,但負債卻不會增加,導致好多人破產。<br />而家各國開始收水,之前QE谷起的資產價格,會不會調整?這點不可不防。<br />Small potatoAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-44250756177863424252017-07-15T19:05:47.090+08:002017-07-15T19:05:47.090+08:00這也是這裡不停作出的提醒。這也是這裡不停作出的提醒。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-79344967274392345932017-07-15T18:10:46.572+08:002017-07-15T18:10:46.572+08:00借貸一般需要更高財務技巧,一般人如果自問駕馭不了,最好唔好借,包括借錢買樓都是。
唔少人駕馭不了,結...借貸一般需要更高財務技巧,一般人如果自問駕馭不了,最好唔好借,包括借錢買樓都是。<br />唔少人駕馭不了,結果導致破產收場。<br />Small potatoAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-10463659715866740622017-07-15T16:30:03.610+08:002017-07-15T16:30:03.610+08:00多謝Small Potato兄分享,其實簡單一點可以拿4厘回報與APR比較一下就行了。正如我所言,不...多謝Small Potato兄分享,其實簡單一點可以拿4厘回報與APR比較一下就行了。正如我所言,不要為借而借,尤其若只能做到1厘多的息差,「水位」不太足夠,如果市況有很大安全邊際,考慮情況又不一樣。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-46238386272846066042017-07-15T16:26:07.114+08:002017-07-15T16:26:07.114+08:00借貸與否,按個人需要,沒有對錯,最重要考慮周全。借貸與否,按個人需要,沒有對錯,最重要考慮周全。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-9371639470882947352017-07-15T16:22:12.815+08:002017-07-15T16:22:12.815+08:00假設reits4%利息,沒有收入,每年扣除還款20002*12
借款結餘 利息收入
89...假設reits4%利息,沒有收入,每年扣除還款20002*12 <br /> 借款結餘 利息收入 <br /> 891,976.00 35,679.04 <br /> 651,952.00 26,078.08 <br /> 411,928.00 16,477.12 <br /> 171,904.00 6,876.16 <br /> <br /> 總利息收入 85,110.40 <br /> <br /> 利息成本 68,120.00 <br /> <br />息差 16,990.40 <br /> <br />仲要冒reits跌價風險,所以唔應該借。 <br />Small potatoAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-10094783574816623762017-07-15T16:15:26.216+08:002017-07-15T16:15:26.216+08:00我由於是自僱,銀行一般就唔會借,無福享受。
但我也比較保守,所以唔會問銀行借錢。
Small pot...我由於是自僱,銀行一般就唔會借,無福享受。<br />但我也比較保守,所以唔會問銀行借錢。<br />Small potatoAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-45568490773944996412017-07-15T16:12:23.775+08:002017-07-15T16:12:23.775+08:00通常是指一般人?單看工資收入,銀行就太草率了。通常是指一般人?單看工資收入,銀行就太草率了。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-87977244703594719862017-07-15T16:04:07.486+08:002017-07-15T16:04:07.486+08:00通常是薪金12倍嗎? 止凡兄年薪應不止百萬吧😋通常是薪金12倍嗎? 止凡兄年薪應不止百萬吧😋自由一千萬https://www.blogger.com/profile/15886409270425599792noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-84467147185935168932017-07-15T11:28:51.520+08:002017-07-15T11:28:51.520+08:00相信還有其他因素的,信貸評級及過往紀錄也是考慮因素。相信還有其他因素的,信貸評級及過往紀錄也是考慮因素。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-60844767560160012822017-07-15T11:20:22.158+08:002017-07-15T11:20:22.158+08:00如果係指cap圖,滙豐的宣傳郵件通常係以資產(存款)決定借貸額。
三才劍客如果係指cap圖,滙豐的宣傳郵件通常係以資產(存款)決定借貸額。<br />三才劍客Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-47984966332817214042017-07-15T10:28:31.987+08:002017-07-15T10:28:31.987+08:00高低是相對的吧。高低是相對的吧。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.comtag:blogger.com,1999:blog-3886431187196458619.post-8798369236480350122017-07-15T10:27:52.121+08:002017-07-15T10:27:52.121+08:00槓桿、借貸,有很多形式的,不同年期,不同還款條件,有抵押、無抵押,有利息、無利息,都是OPM,oth...槓桿、借貸,有很多形式的,不同年期,不同還款條件,有抵押、無抵押,有利息、無利息,都是OPM,other people money,小弟新作《跟著價值走的12堂課》都有討論。止凡https://www.blogger.com/profile/13815373715261739551noreply@blogger.com