After Mr. Liu ended the call with the bank staff, he couldn't help but shake his fists and wave his hands in celebration, and now he could finally be sure, and he told his wife the news of winning the lottery as soon as he returned home.

After dinner, the couple began to calculate the future income and life plan of this financial product.

"320,000 yuan is our own money, and the other 680,000 yuan is to find a bank loan, the annual interest rate of the loan is 5.15 percentage points, the interest generated in a year is 35,000 yuan, and the monthly payment is 2,918.33 yuan......," Mr. Liu's wife summed up with a calculator and a draft book.

"According to the expected value of 15 percentage points of annual income, the 1 million financial management can earn 150,000 yuan a year, and the net income can be 115,000 ......yuan after deducting the interest cost," Mr. Liu's wife looked at his husband and said in surprise: "This is 30,000 or 40,000 yuan higher than the annual income of you and me combined, and the loan can be paid off after six years." ”

"No, no, your calculations are ridiculously wrong." Mr. Liu grabbed the calculator and said: "The interest on the bank's loan is simple interest, and the interest must be repaid in a fixed amount every month, and according to the contract, as long as we do not sell this wealth management product, the bank loan cannot be repaid." ”

His wife was shocked when she heard this: "You mean that even if we have money to pay back in the future, we can't pay it back?" As long as you don't redeem the wealth management products, the 680,000 yuan will have to be owed all the time, and then you have to pay 35,000 yuan in interest to the bank every year? ”

Mr. Liu nodded: "That's it." ”

The first time he heard that the loan was not allowed to be repaid, Mr. Liu said helplessly: "No way, if I don't agree to the bank, I won't give this special loan, after all, we haven't given enough collateral, and the people are powerful, and you don't want to have someone who wants it, but as long as the income can cover the loan interest, it doesn't matter." ”

His wife then said to herself: "Fortunately, this interest is simple interest, not rolling interest." ”

When Mr. Liu heard this, he immediately said, "Do you still have it?" ”

With such a special loan contract, the banking institution is obviously lying down to win a big piece of the cake, and theoretically can continue to lie down and win.

And this contract is actually a bit unfair, because according to the details of the loan contract, the lender has the right to refuse if the lender decides to repay the loan, but the bank has the right to withdraw the loan.

In other words, if the future is not in the right direction, the bank can decide to recover the loan at any time, and the lender must repay the money, and if it is overdue, it will be sued, and the result is almost certain that the bank will basically win the lawsuit, and the lender will be enforced.

It can be seen that the banking institutions are a very strong party among them, the money is not less profitable, and the risk can be said to be the smallest of the parties, but even so, there are still a large number of people who are willing to take out loans and accept such contracts.

In the final analysis, the strong expected return of this wealth fund wealth management product in the future is too great, and it is precisely because of this that the bank will issue such a strong special loan contract, and it is expected that a large number of people will rush to ask for it.

At the same time, Mr. Liu said: "You just made a mistake in the calculation, the interest on the bank's side is calculated at a constant interest rate of 5.15, and the interest on a regular basis is less than 3,000 yuan per month, but the income on the side of the wealth management product is compound interest, which should be calculated like this." ”

"Let's assume that let's calculate it with a ten-year period, the interest on the bank's side is 35,000 a year, and it will be a total of 350,000 interest after ten years, but the income of this 1 million wealth management products is compound interest, according to the annual income expectation of 15 percentage points, compound interest rolls for ten years, and the principal and profit after ten years will total 4.0456 million yuan."

"Then subtract the interest of 350,000 yuan, leaving 3.6956 million yuan, that is to say, the expected value of energy after ten years is to make a net profit of 2.6956 million yuan, and then subtract the loan of 680,000 yuan, and the net value of our financial management will be 2.3356 million yuan after ten years, and this money is ours."

His wife couldn't help but be surprised when she heard this number: "There are so many? ”

Mr. Liu said with a smile: "Twenty years later, there will only be more, and the interest for twenty years is 700,000 yuan, but the compound interest of this financial management can reach 16.3665 million yuan under the rolling, and the net value at that time is 14.9865 million yuan, and the compound interest rolling can reach 66.2118 million yuan after 30 years, and the net value at that time is 64.4818 million yuan." ”

"Theoretically, the longer the time, the greater the income, the expectation after 30 years can become more than 64 million, but the interest to the bank in 30 years is only 1.05 million, even if the 680,000 loan is added to the total is only 1.73 million, so in comparison, the interest paid to the bank is just a fraction of a small amount of money, as long as we endure the hard life in the first few years, the better the life will be."

When his wife heard this, she was immediately full of expectations for her life in the world, and couldn't help but say: "I understand what it means to be bitter first and then sweet, according to what you said, you don't have to work in a few years, and you can retire early before the age of 40." ”

Mr. Liu smiled and said, "I am 30 years old and you are 28 years old, and I may not have to be 40 years old to retire early." ”

His wife looked left and right and said to herself: "After a few years of hard life, when you have money in the future, you must first buy a comfortable big house, no longer have to rent a house to live in this old and dilapidated house, and we have to hire top tutors for our children......"

The young couple began to look forward to a better life in the future, and even couldn't wait to start planning ahead.

The old and dilapidated house they live in now is still rented, the 300,000 yuan they have saved with their hard work, and the wife's dowry is also in it, originally planned to use the money to buy a house with a down payment, but now they have bought the first phase of wealth management products of the wealth fund, and Mr. Liu is hiding from his parents on both sides.

His wife was still very afraid of being in the water at first, but Mr. Liu insisted on doing so, and she finally decided to support him, because they had an agreement that the woman would be in charge of the small things in the family, and if there was a disagreement between the husband and wife, the man would prevail and take full responsibility.

Just when the couple was happily planning for their future life and discussing non-stop, there was a knock on the door.

The two quickly stopped and followed the prestige, Mr. Liu got up and went to open the door, and saw a strange man coming to the door, dressed in a suit and leather shoes, dressed like a successful person.

"Are you ......" Mr. Liu looked at the stranger outside the door with a puzzled expression.

"Hello, you should be Mr. Liu." The strange man greeted him with a smile, Mr. Liu nodded, and the other party immediately put up his business card, and claimed to be a practitioner in the financial industry, and also expressed his intention to talk to Mr. Liu about a business.

The strange man said that he introduced himself as a high-minded person, but in fact he was a money broker.

Mr. Liu invited this person into the house, and his wife poured a glass of water for the strange man and sat down in the empty seat next to her husband. ”

The strange man smiled: "Mr. Liu is cheerful, then I won't beat around the bush, you should have won the first phase of the wealth fund's wealth management products, right?" ”

Hearing this, Mr. Liu couldn't help but feel a burst of surprise in his heart, and immediately nodded and said calmly: "That's right." But I didn't tell anyone about it, so where did Mr. Li know about it? ”

……

(End of chapter)