📈📉 Investment Loan vs Consumer Loan | What's the difference?
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- Опубліковано 18 вер 2016
- Investment Loan vs Consumer Loan - what's the difference? Should you lend money for consumption(e.g. by buying bonds)? Learn Austrian Economics in a fun way!
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Loaning money for consumption is clearly a bad idea. Then why are there still companies offering consumer loans? How can they sustain a business model?
Ymi_Yugy there is an intrest charger that is charge on the amount of money which is lended by the business.and there is a credit worthiness analysis before granting the loan
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@@chiranthaswit515 they charge insane interest, put people in collections and make them file for bankruptcy
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How can this have this much low likes.this is very good
On the contrary, I believe that the consumer loan is a much safer investment (for the lender). Assuming that Paul has a stable job for many years, his future cashflows are very predictable. True, he has a spending problem but this might very well translate into a more profitable payout for Jack due to the magic of compound interest. An investment loan, on the other hand, comes with much higher risk of the business failing as well as the additional headache of the due diligence needed to be done for the specific business.
Consumer loans can be quite good for the lender if the proper precautions are taken. For the borrower they are usually bad, but there are exceptions. For example, say that someone was living beyond their means with bad consumer loans, running up debt on multiple lines of high interest credit. Now they are trying to be responsible and get their life together, living within their means and paying off their debt. In such a case it can be beneficial to take out a lower interest consumer loan to pay off the high interest loans, freeing up more capital for productive use (or simply to pay off the consumer loan faster).
This should be shown in classrooms in Greece 20 years ago.
Nice video.
Explain more about mortgage is consumer loan
I tout its loan fo asset
excellent content!
Thank you! :)
"Jack and Paul met after years in the bar" sounds very funny depending on how its taken :)
this video is good sir
The return from a productive loan is not interest. It's profit. Two very different concepts.
We are investors we have money to invest in anyone who has good project plans just contact us if you are interested let's talk business
So it's better to own a huge amount of money. You won't have the problems with borrowing the rest.
Which Software do you use.?
WRONG
1) Consumer Loans do increase productivity. My mortgage yields 7% in rental income.
2) Why haven't you talked about security/secured loans ...no one give u a loan for any large amount for free