Chinese
Rich not foolish foolish put into the bank young Fang Nu interprets a 3 old clev
From;    Author:Stand originally
Summary] although Fang Nu cannot be cast off by " slave " destiny, still have a choice however which bank is done " slave owner " the right. Accordingly between each bank, to contend for Fang Nu, often roll out a series of favourable measure, alleviation " the class is contradictory " .
Although Fang Nu cannot be cast off by " slave " destiny, still have a choice however which bank is done " slave owner " the right. Accordingly between each bank, to contend for Fang Nu, often roll out a series of favourable measure, alleviation " the class is contradictory " .

Walk off with " put borrow " reduce considerably still shift pressure

Case: Individual manage old Miss Li, the beginning of the year dealt with 800 thousand yuan of individual housing of 20 years to borrow money, she should remand every months principal and interest of 5617 yuan of loan. But because do bit of dicker, at hand often has have enough to meet need of a good deal of capital. This year in Feburary end, miss Li files his reimbursement account to lend an appreciation account to put, the bank was Miss Li province to play 904.78 yuan of interest March by the agreement, before be equivalent to applying for borrow money that month 23.73% of accrual.

Expert opinion: "Put borrow associated service " all deposit fund that the characteristic is the person that let a room borrow not " idle " move, serve completely to what borrow fund, touch deduct loan interest, strong decrease loan interest rate to raise addition pay. White-collars use a room to lend appreciation account -- " put borrow " , put the bank savings that brushstroke exceeds 50 thousand yuan, can spend according to deposit forehead, give this deposit and this to mortgage loan according to certain proportion the accrual of same interest rate, be equivalent to be being returned according to scale still mortgage accrual. At present the Construction Bank, action has all right " put borrow " business serves.

Relieve the besieged by attacking the base of the besieger

To one-time the house-owner that has extra income, can consider to still be borrowed ahead of schedule of course. Nevertheless, since be " Fang Nu " , how many to have how possibly again " odd " capital? Although have, also do not give again bank? Bank with tall (loan) accrual attacks Fang Nu, room slaves can need not accept a challenge. Can answer a body to look for investment channel additionally, want accrual to lend interest rate than the room only tall, can achieve the result of relieve the besieged by attacking the base of the besieger.

Rich not foolish put a bank

Case: The small Wang Gang that pursues It trade marries mortgage bought a house, the flower became smooth the saving in the hand, want every months to return 2000 yuan room to borrow, deadline is 20 years. Every months of income controls Home Xiaowang 8000 yuan, every months of daily expenses is controlled in 3000 yuan, have 10000 yuan of extra income every year probably. Because did not have the saving, domestic whole bears the ability of the risk is inferior, mr Wang tends on investment conservative, accordingly he decides: Annual fixed norm invests 46000 yuan net surplus national debt and fund.
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