I ran to Jinan yesterday and arrived at 9 o'clock in the morning. Niu Ge has been waiting for me in the office.
Niu Ge said, "Hey, I haven't seen you for two whole months. The last time was July 12. When you come back from Russia, we will meet in Beijing. "
I said, "Time flies."
Niu Ge said, "I've been very busy recently. Rarely come to the office, busy decorating. I am going to move in June 5438+ 10 1. "
I said, "Decoration is too expensive."
Niu Ge asked, "How much did it cost?"
I said, "Let's just decorate 350 thousand."
Niu Ge said, "I think you still have to get a house like mine, a duplex and a school district, which is growing steadily at the foot of Qianfo Mountain. Because there is only one Qianfo Mountain, the older the population, the more valuable the house with its back to the mountain. I will help you find the answer when I move there. If there is a suitable one, you can buy one. "
I said, "Yeah."
Niu Ge said: "I think it is better to make money."
I said, "A few days ago, my wife and I saw a villa. The yard alone has half an acre of land, 3 million yuan. I have moved for a long time, but I have no money in my pocket. "
Niu Ge said: "In China, villas are not worth owning because they are not safe. How many people live in the villa area? Everyone moved back upstairs. The greater the gap between the rich and the poor, the more unstable factors. "
I said, "I always feel that life has no motivation."
Niu Ge said, "Life is a wave. You are at the peak of your life now. Your parents are alive, your daughter-in-law is considerate and your son is strong. You will definitely go downhill in the future. Even if you think of your parents' long life, you will leave. There may be problems in the relationship between husband and wife, and any accidents may happen. Therefore, we should make more money in prosperity and be firm even in the face of adversity in life. Don't think you are an evergreen tree. Fang Zuming and Zhang Mo are much better than you? If you fall, you fall! "
I said, "am I going to decline soon?"
Niu Ge said: "This is the law of life, which is not controlled by individual will. Think about the influence of the four heavenly kings in Hong Kong now. ! Little Tiger? ChristianRandPhillips？”
I said, "Money is very important."
Niu Ge said: "The money house is a coward!"
I said, "It's too slow to make money step by step."
Niu Ge said: "It is impossible to make a lot of money step by step in this economic environment. Either you are proficient in the rules of the game and accumulate wealth quickly, or you can go to work with peace of mind and forget about it. "
Usually, I am a person with great personality, and my friends seldom give me advice. Niu Ge has always opposed buying a house and a car in full.
However, I still object to his suggestion.
It's not that I don't approve of him, but that I think the loan procedure is too troublesome. If I follow his advice, I can have at least 2 million cash left in my hand, and I can buy a house with zero down payment.
2 million financial management can also generate a lot of income.
I am still a rural person, and I have always felt that loans are too shameful.
Niu Ge's point of view is that bank loans are the cheapest funds. As long as you lend it out, you make money!
Niu Ge is like a thick book. You are welcome to bring your own business, investment, financial management and other issues. Go and discuss with Brother Niu. Reading Niu Ge carefully will surely bring you different surprises.
____8_
Does Ping An Bank borrow money to make money?
Very profitable, making money by commission.
After all, the credit department of the bank has extended the loan amount to get the commission. His high salary only shows that his business can be strong.
Do banks only rely on loans to make money?
Banks don't just make money by lending. Banks will also buy some wealth management products or things like gold. Banks will also have other operating income. Moreover, banks can make a lot of money just by lending, and many banks have a very large surplus every year. However, some banks closed down after poor management, because the loans they lent could not be recovered, just like Hainan Development Bank closed down like this. When Hainan's real estate bubble, many people couldn't afford the loan, which led to the bankruptcy of Hainan Development Bank.
So bank lending is actually risky, because they may face some dishonest customers, and then there is no way to get the money back. If they don't get it back, the bank may face bankruptcy. If the bank goes bankrupt, many depositors will lose their money, and they may only get 50 thousand yuan at most, but they actually save far more than 50 thousand yuan in this bank.
Therefore, we think we should still deposit money in some big banks, so that the possibility of bank failure will be smaller and they will be more reliable. If you put your money in some smaller banks, they may close down in a few days, and then they will lose everything. This kind of thing has never happened before. It happened in some news.
Banks also have many other operating income. If they only rely on loans, their business income will be too monotonous. They also have many wealth management products and financial products. Just like many people will buy a wealth management product of China Merchants Bank, it is said that the income of this wealth management product of China Merchants Bank is relatively high, and then the probability of loss is relatively small, so many young people will use their own funds to buy this wealth management product of China Merchants Bank. However, wealth management products are still risky, and it is better to deposit on time.