5 thoughts on “Can I go to the bank to buy gold bars first, and then mortgage the gold bars to the bank loan?”
Dallas
Banks are profitable financial institutions. The business must be profitable, and the damage to the body must be the smallest. Therefore, bank risk control must be very strict. In projects such as loans, there are many risk factors, such as whether the borrower has the ability to repay, whether the borrower's credit is good, and whether it will become Lao Lai, etc. Therefore, various audits of loans will become complicated and more procedures. So, if you buy gold, is it feasible with gold mortgage?
1. Gold can be mortgaged The bank loan is roughly divided into credit loans and mortgage loans. In contrast, mortgages are mortgaged, which can ensure the safety of basic assets of banks, so the review is not so restricted. Gold is an internationally recognized precious metal currency and is a tangible asset that can be circulated. Therefore, if gold is used as a mortgage, you can also provide a bank asset guarantee. Therefore, banks can accept gold as a mortgage for loans. 2. It is impossible to provide the same loan
. Although gold can be used as a mortgage, the borrower cannot obtain loans of the same value. In fact, no matter what kind of mortgage, real estate or car, each bank has its prescribed mortgage ratio, that is, banks cannot issue loans at the original price of mortgagers, but on the basis of the original value, make a call. Fold again. This is mainly because banks must do in risk control.
Only in this way can we protect the bank's own interests to the greatest extent. At present, even the bank's highest mortgage ratio is only about 85%. In other words, even if the loan ratio is the highest, the price will be reduced by 15%if the loan is mortgaged. 3. You can borrow money, but it is not necessary
. As mentioned earlier, the loan will be damaged, and only 1.1%of the original value is 85%left after the loan. If you do not buy gold from the beginning, the original capital in your hand is 1.1%. Therefore, since the funds are sufficient, there is no need to paint the snake. Add an unnecessary link in the middle and lose 15%of the loan.
4. Using the rise and fall of gold prices may be favorable, but the risk is very high
In fact, although we say that this loan is not cost -effective, some people are still willing to try The main reason is to use the fluctuation of gold prices to obtain profits.
When the price of gold is at a low level, gold (or transaction contracts related to gold, etc.) is purchased with relatively few funds, and then mortgaged to banks to obtain loans. After that, if the price of gold began to rise and there is a relatively large price increase, it reaches more than 10%, then the loan deduction of the procedures for monetizing gold and the interest fee for banks can be rewarded.
But the risk of this approach is quite large. If the price of gold has fallen sharply (in fact, this phenomenon has also existed), the loss will be great. Generally speaking, gold is also an asset that can be mortgaged to the bank and then obtained a loan. However, due to a mortgage ratio of mortgage loans, the loan obtained will inevitably be discounted. If you have enough money to buy gold, then there is absolutely no need to buy gold and then mortgage to get the discount money.
According to financial theory, this method is feasible. Gold itself is valuable and can be mortgaged and equivalent. It depends on the policy of local banks.
Banks are profitable financial institutions. The business must be profitable, and the damage to the body must be the smallest. Therefore, bank risk control must be very strict. In projects such as loans, there are many risk factors, such as whether the borrower has the ability to repay, whether the borrower's credit is good, and whether it will become Lao Lai, etc. Therefore, various audits of loans will become complicated and more procedures. So, if you buy gold, is it feasible with gold mortgage?
1. Gold can be mortgaged
The bank loan is roughly divided into credit loans and mortgage loans. In contrast, mortgages are mortgaged, which can ensure the safety of basic assets of banks, so the review is not so restricted. Gold is an internationally recognized precious metal currency and is a tangible asset that can be circulated. Therefore, if gold is used as a mortgage, you can also provide a bank asset guarantee. Therefore, banks can accept gold as a mortgage for loans.
2. It is impossible to provide the same loan
. Although gold can be used as a mortgage, the borrower cannot obtain loans of the same value. In fact, no matter what kind of mortgage, real estate or car, each bank has its prescribed mortgage ratio, that is, banks cannot issue loans at the original price of mortgagers, but on the basis of the original value, make a call. Fold again. This is mainly because banks must do in risk control.
Only in this way can we protect the bank's own interests to the greatest extent. At present, even the bank's highest mortgage ratio is only about 85%. In other words, even if the loan ratio is the highest, the price will be reduced by 15%if the loan is mortgaged.
3. You can borrow money, but it is not necessary
. As mentioned earlier, the loan will be damaged, and only 1.1%of the original value is 85%left after the loan. If you do not buy gold from the beginning, the original capital in your hand is 1.1%. Therefore, since the funds are sufficient, there is no need to paint the snake. Add an unnecessary link in the middle and lose 15%of the loan.
4. Using the rise and fall of gold prices may be favorable, but the risk is very high
In fact, although we say that this loan is not cost -effective, some people are still willing to try The main reason is to use the fluctuation of gold prices to obtain profits.
When the price of gold is at a low level, gold (or transaction contracts related to gold, etc.) is purchased with relatively few funds, and then mortgaged to banks to obtain loans. After that, if the price of gold began to rise and there is a relatively large price increase, it reaches more than 10%, then the loan deduction of the procedures for monetizing gold and the interest fee for banks can be rewarded.
But the risk of this approach is quite large. If the price of gold has fallen sharply (in fact, this phenomenon has also existed), the loss will be great. Generally speaking, gold is also an asset that can be mortgaged to the bank and then obtained a loan. However, due to a mortgage ratio of mortgage loans, the loan obtained will inevitably be discounted. If you have enough money to buy gold, then there is absolutely no need to buy gold and then mortgage to get the discount money.
Yes, this gold bar itself can also be used as money, and you can go directly to the bank for mortgage, so there is a gold bar that is rich.
This is completely possible, because gold is a valuable currency and is very popular all over the world, so it can be mortgaged to bank loans.
sure. Because you bought gold bars, gold bars are your personal property, and of course you can mortgage loans.
According to financial theory, this method is feasible. Gold itself is valuable and can be mortgaged and equivalent. It depends on the policy of local banks.