Borrow 654.38+00,000 from the bank, and then deposit this 654.38+00,000 in other banks to pay interest. Is it ok to repay the loan?

First, basically, the interest on bank loans is higher than the interest on deposits, and the possibility of profit is relatively low.

Second, even if you have access to low-interest loans, you can find high-interest banks. First of all, consider the difference between the two and whether it is worth doing. Secondly, I suggest you know about the crime of lending at high interest stipulated in the criminal law. Finally, make a decision

The idea is very strange, the interest should be paid back, and the loan is due for nothing. Let's see if it works.

If it is a consumer loan, if it can only be loaned for three years, it is not enough by any means. Let's assume that this loan can last as long as 30 years as a mortgage, and the benchmark interest rate is 4.85%, so the monthly payment will reach 5276.92 yuan.

If the principal is 654.38+00000 and the monthly interest reaches 5276.92 yuan, then the annual interest is 63323 yuan, and the annualized interest rate needs to reach 6.33%.

1, the required interest rate difference is too large.

The above-mentioned monthly payment is calculated according to the benchmark interest rate of 4.85%, and it is assumed that the loan can be made for 30 years, and the monthly payment is reduced to the minimum. Generally, this requirement cannot be met at all.

According to the minimum monthly payment, the required annual interest rate should reach 6.33%, which is not available in the existing deposit products, not at all. Now the maximum five-year loan has just reached 6% (private banks).

2. Liquidity mismatch

If you want to repay the loan with interest, then you have to get interest every month, while time deposits can only get interest at least once a year, so the liquidity is not matched.

To sum up, this idea is strange, but it doesn't work at all.

Wake up, this is the root of the phrase "you value the interest he gives, and he cares about your principal" a few years ago!

A dime a month when you are crazy! Borrow 1 00000, write an IOU, take 90000, and then pay interest1000 every month. Is it terrible? But this is a fact, which I saw with my own eyes and experienced personally a few years ago! Almost everyone is inflated with the pleasure of "getting rich". Without savings, you have to "let go" if you want to find a loan! In case of emergency, relatives and friends borrow some money to turn around. It starts with "Can I borrow money? How much is the profit? " ! Before long, the rainstorm alarm sounded and the runners even lined up!

To get a loan from a bank, the first thing you have to do is explain the purpose. If it doesn't match the number, that's it. If you dig deeper, you are committing a crime! So, stop dreaming!

The bank's current loan interest rate is about 4.9%, which is already a very low loan interest rate in recent years. As for the subject, some people do this by borrowing money from the bank and then lending it to others at a higher loan interest rate to earn the difference themselves. As far as Mr. Jin is concerned, this is very risky. As long as one link goes wrong, the whole fund disk may collapse.

A few years ago, I had a friend who I hadn't contacted for years. Then send me a message, say to lend him tens of thousands of dollars, and then give me two points of interest. Teacher Jin is very cautious about borrowing money. Directly answer "Life still needs money to maintain!"

Many people may think that Mr. Jin is too stingy. Teacher Jin has always been very stingy in borrowing money. If we get together to eat and drink, I will not hesitate to invite you, but I just borrow money. After lending, there is basically no money to pay back, which hurts feelings.

Two months later, it was also a dinner party, and then my friend talked about this friend. At that time, a female friend lent her money, and even a male friend lent him money a few years ago. Of course, the consequences can be imagined, and there is no repayment, no reply or information or phone call. The female friend who lent money to her at that time obviously felt a little anxious. One of them borrowed100000.

After about half a year, an article about the borrower suddenly appeared in Mr. Jin's circle of friends. Over the years, he borrowed money from friends, classmates, relatives, loan sharks, banks and so on to "rob Peter to pay Paul". What do you mean? When 20 15 cut interest rates, he found that the market needed a lot of money, so he mortgaged the property. At that time, another company borrowed money from the bank. However, the money he borrowed was not directly used in business for loan purposes, but used in lending, thinking about earning the loan difference in the middle.

And this loan gap gave him the idea of being an intermediary, and then he asked some friends to borrow money and take it out. 20 16, business in the market is difficult to do, and risks have emerged. Some businessmen who have borrowed money are simply unable to repay them. So if one link goes wrong, other links will go wrong. Without the return of the principal, he can only "rob Peter to pay Paul". Relatives and friends have borrowed it all, so it can be said that it is more appropriate to cheat. Let others believe that he is capable by renting a famous car, and then lend him money. In the end, the relevant borrowed funds were 6,543,800+million. Finally got caught by the police!

So the idea of the subject is very good, but there are far more cases of failure than successful cases in reality, so don't shoot yourself in the foot.

The idea is good, but the actual operation is very difficult. If everyone does this, what will the bank do and make money?

Taking a low-interest loan from a bank and then depositing it in a high-interest bank is really an ideal shortcut to get rich! However, this operation has three problems!

1. Why can I get a loan or a low-interest loan?

2. How to earn interest margin

3. How to repay?

It is possible in theory, but there is basically no room for operation in practice.

If you can get a bank loan of 6.5438+0 million from one bank, it is certainly possible to deposit the money in other banks to repay the loan with interest, but the interest you get is not enough for you to repay the loan.

The biggest income of banks comes from spreads. Depositors deposit their funds in banks, and banks will also provide depositors with lower interest rates. At the same time, banks will exclude some funds from lending at higher interest rates according to regulations. Everyone knows how low the interest rate we usually deposit in the bank is, and at the same time you are burdened with loans with higher interest rates. If you do this, it won't work at all.

However, if we look around the world, there may still be room for arbitrage. Worldwide, the economic development of different countries is different, so the interest rates of different countries will be different. You can get low-interest loans from low-interest countries, and then convert the money into the currency of high-interest countries and deposit it in local commercial banks. In this case, there is a certain arbitrage space.

But in fact, there are many problems in this operation: first, you may encounter foreign exchange control, which will make it impossible for funds to flow freely, and your money will not be able to flow out of a country freely after entering it. Second, you may encounter exchange rate risk. Exchange rate fluctuations may cause your income to decrease, and Shenzhen will lose everything.

Therefore, this operation mode is not only risky for individuals, but also difficult to operate. It is suggested to choose another way.

Hello, you borrow money from this bank and deposit it in that bank, and you still make money! What does the bank earn? How do banks survive?

There is only one possibility that you can make money! National policy interest-free loans, you have the ability to get, and then deposit in another bank! It is possible to benefit! But will play the edge of the law! And the risk of going to jail!

So I want to benefit from the bank loan. General loans are only used for investment! I have no choice. The team of bank experts is much better than your brain. They want to make your money every day! How can I give you a loophole!

(1) All economic activities need to be profitable, and if they can't be profitable, they have no value.

What banks earn is the difference between deposit interest rate and loan interest rate. By looking at the interest rates of various banks, the deposit interest rate is generally lower than the loan interest rate, so if you follow the landlord's operation, there is a great possibility of loss.

(2) In practice, some people borrow money from banks or invest in wealth management after raising interest rates.

In recent years, the author has encountered several such operation methods. This operation comes from the fact that in principle, private lending basically exceeds 6%, and wealth management products such as some irregular ones even promise to exceed 9%. If the loan interest rate is calculated at 4.75, there are several points in the middle.

(1) Bank advances. Bank loans should indicate the purpose of the loan. If the bank's risk control finds that the loan is not used for the indicated purpose in this process, it can request to terminate the contract in advance, return the loan principal, and even involve the liability for breach of contract.

(2) The loan determination is invalid. In 20 15, "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases" was promulgated, which stipulated that if the lender borrows credit funds and lends them to the borrower at high interest rate, the borrowing behavior is invalid.

(3) It is suspected of lending at high interest rates and defrauding loans. This kind of behavior is suspected of damaging the financial market, which is stipulated in the criminal law.

Among them, the mainstream view in academic circles is that "high interest rate" refers to lending bank credit funds to others at a higher interest rate than when the actor borrows from the bank. How much higher than the bank loan interest rate does not affect the establishment of this crime.

Since last year, the review of private lending has become strict, and the source of loan principal has been reviewed in great detail. If the court finds that the loan principal comes from the bank loan during the review, it does not rule out that it is directly transferred to the public security organ for review. I met a client, which is this model. If the next family doesn't repay the loan, the last family doesn't even dare to sue.

As for the previous behavior of switching from bank loans to some wealth management companies, after the outbreak of a treasure case, there were some similar situations, and investors could only sell iron to make up for the hole.

It's hard for you to have such a naive idea. One of the most important sources of profits for banks is loans. Is it so easy for banks to borrow 6,543,800 yuan+0,000 yuan? Even if you have a real estate license, you may not be able to borrow from the bank to 654.38+0 million.

Since I want to borrow money from the bank and deposit it in the bank, is it feasible to repay the loan with the interest of the deposit? There is no doubt that it is completely infeasible. Why? Because the deposit interest is always lower than the loan interest, otherwise the bank will not lose money. Can you wait until you come up with such an opportunity?

According to the current benchmark interest rate of central bank deposits and loans, the annualized income of three-year time deposits is 2.75%. Even if local banks rob deposits, they can give 3.85% at most, while the loan interest rate for bank loans is 4.35% for one year and 4.90% for loans for more than one year and less than five years. According to the benchmark interest rate, the loan interest rate is 2. 15% higher than the deposit interest rate. You can still pay.

Suppose the loan is 5 years,100 * 4.9% * 5 = 245,000, which is the interest you need to repay in 5 years, and the principal is1245,000; Suppose you deposit for five years,100 * 3.85% * 5 =192500, and the principal is 1 192500. Here is your deposit principal and interest. Undoubtedly, if you want to repay the loan interest, you still need 52,500 yuan. Please post it yourself.

This unreliable idea makes no sense. The bank can't let you take advantage of this loophole. When we withdraw money, we all know that it is not responsible to leave the counter. You went to the counter to get 1000 yuan, and the staff only gave you 900 yuan. You didn't notice the underpayment 1, 000 yuan when you went home. Sorry, the bank can't give you that 1000 yuan, but you also took it. The bank gave you 1 100 yuan, and the extra 100 yuan obtained after Yuan You was discovered by the bank must be returned to the bank. At this time, you still want to say that you are not responsible for leaving the cabinet. Don't even think about it. Therefore, the bank can't give you an opportunity. ...

Banks are not fools. To put it bluntly, banks are also open for business. They are also financial companies standing at the top of finance, but they can sell money, so there is no distinction between banks. The big difference is that the benchmark interest rates of banks in different countries are very different, while banks all over the world collude with each other, while domestic banks belong to the unified benchmark interest rate standard of the central bank.

There is also the spread you want to earn, and it is through loans. I can only say that in your dream, you thought it was the only way to get rich. If a bank can outperform the inflation rate and ensure that its deposits do not depreciate, then other banks will not have to open, depositors will deposit money in this bank, and other banks will also put some idle funds in to pay interest, so there is no need to risk lending out through loan business and wait for some bad debts.

Most importantly, the loan interest is always one to two times or even higher than the rate of return that the bank gives to our depositors. Let's calculate the lowest mortgage interest rate. The first suite can only enjoy the minimum monthly interest rate of 3.8%, and most people can't apply for this interest rate. Banks calculate the benchmark interest rate according to the annual interest rate, so multiplying it by 12 months is the annual interest rate of 4.56%, which is the lowest first set of preferential policies for just-needed housing and the lowest annual interest rate for mortgage loans that most people can't get. Our annualized rate of return on deposits can reach 2%, and it can already be said that the basic deposit rate of return given by this bank is quite good.

In recent years, our inflation rate has almost averaged around 4%-5%, that is to say, the money of 6.5438+0 million last year can only be equivalent to the monetary value of goods of the same value of 950,000-960,000 last year. Therefore, the best mortgage interest rate given by the bank can only just achieve the role of maintaining value.

So the conclusion is that you can't get rich with interest on loans. Unless you borrow it and don't pay it back, and then emigrate to change your nationality, you can't borrow so much of these expenses and basic living expenses abroad at one time. So let's move bricks honestly. If you want to play the financial civilian, you will never win the capital crocodile. How nice it is to make leeks!