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  • In July of 2012, Mark Zuckerberg financed his 5.95 million dollars Palo Alto home, that's

    2012年7月,馬克-扎克伯格為他的595萬美元的帕洛阿爾托住宅提供了資金,這就是。

  • 3 miles away from facebooks headquarter with a 30-year Mortgage.

    離facebook總部3英里遠,30年按揭。

  • At that time he was 28 years old and the world's 40th -wealthiest person, worth an estimated

    當時他28歲,是世界上第40位的-富人,身價估計為

  • $15.6 billion.

    156億美元。

  • The question is, why would you get into debt when you have billions of dollars and can

    問題是,當你有幾十億美金,並且可以... ...

  • easily afford it?

    容易買得起?

  • If he wanted, he could easily buy a dozen $6 million homes, in cash, without batting

    如果他願意,他可以輕鬆地買下十幾套600萬的房子,用現金,不擊球

  • an eye.

    一隻眼睛。

  • So why get a mortgage?

    那麼,為什麼要做抵押貸款呢?

  • The answer is long and complicated but in short, it's- Free Money!

    答案很長,也很複雜,但簡而言之,就是--免費賺錢!

  • Sounds ridiculous, who would give you free money when you are already a billionaire?

    聽起來很可笑,你已經是億萬富翁了,誰會給你免費的錢?

  • Let me explain, It all has to do with interest rates.

    讓我解釋一下,這一切都與利率有關。

  • The inflation rate in the US is 2.5 to 3 percent, so any money you borrow that is below the

    美國的通貨膨脹率是2.5%到3%,所以你借到的錢,只要是低於

  • inflation rate is considered free money.

    通脹率被認為是自由貨幣。

  • Zuckerburgers mortgage rate is just a little over 1.05 percent but it is adjustable, meaning

    扎克伯格的房貸利率只有1.05%多一點,但它是可以調整的,這意味著

  • that, base on the circumstances the rate could possibly go up for one reason or another.

    在這種情況下,利率有可能因某種原因而上升。

  • If you do the math, the bank is the loser since the mortgage rate is below the inflation.

    如果你計算一下,銀行是輸家,因為房貸利率低於通貨膨脹。

  • You don't have to be the genius to do the math.

    你不一定要成為天才才能做數學。

  • For the sake of example, let's say you borrow 1 million dollars at a rate of 1 percent.

    舉個例子,假設你借了100萬元,利率是1%。

  • The average rate of return on the savings account is 2.4 percent.

    儲蓄賬戶的平均收益率為2.4%。

  • Meaning that Even if you deposit that million dollars in another bank, you end up making

    意思是說,即使你把這一百萬元存到另一家銀行,你最終也會賺到。

  • $24 000 dollars a year while you only have to make a monthly payment of $10500 to the

    24000美元一年,而你只需要每月支付10500美元的費用。

  • bank that lent you that money.

    借給你錢的銀行。

  • Imagine if you do that with a hundred million dollars, or how about a billion dollars!

    想象一下,如果你用一個億的資金來做,或者用一個億的資金來做,怎麼樣?

  • When you can borrow for free, there's no point in tying up your own money, when you

    當你可以免費借錢的時候,就沒必要把自己的錢綁起來,當你

  • can use that money for more profitable things.

    可以用這些錢去做更多有利可圖的事情。

  • Of course, when we are talking about small amounts of money, this might not make sense,

    當然,當我們談論的是小額資金時,這可能沒有意義。

  • because the difference isn't that big, however, when it comes to large sums, playing around

    因為差別並不大,然而,當涉及到大額資金時,玩弄一下

  • with 1, 2 or half a percent could potential mean dozens of thousands of dollars if not

    1%、2%或5%,可能意味著幾萬美元,如果不是。

  • hundreds.

    數百人。

  • Let's say you are a businessman, and you can easily afford a million-dollar house, why

    假設你是一個商人,你可以輕鬆買得起一套百萬元的房子,為什麼?

  • buy a house when you can finance it for 1 or 2 percent while you invest the rest of

    買房子的時候,你可以用1%或2%的資金來融資,同時你可以把剩下的投資

  • that money in your business that could potentially get you 10, 20 if not 30 percent returns.

    這些錢在你的業務,可能會讓你10%,20%,如果不是30%的回報。

  • Even if you are lazy to find a more profitable way to use money, just throwing it all into

    即使你懶得去找更賺錢的用錢方式,只要把錢全部投進了

  • an index fund can be much more profitable.

    指數基金可以獲得更多的利潤。

  • Especially when we are talking about 20 or 30 years.

    尤其是當我們談論的是20年或30年。

  • Historically an index fund has shown to have an average return of 8 percent.

    從歷史上看,一隻指數基金的平均回報率為8%。

  • If you take a mortgage and invest your money in an index fund, the percentage difference

    如果你拿著抵押貸款,把錢投資到指數基金中去,那麼差額的百分比是

  • will end up in your pocket.

    最終會落入你的口袋。

  • It all comes down to Opportunity cost

    歸根結底是機會成本

  • Economically, it wouldn't make sense for Zuckerberg to buy the house in cash when he

    從經濟上講,扎克伯格用現金買房是沒有意義的,當他。

  • has been offered a 1 percent mortgage rate.

    已獲得1%的抵押貸款利率。

  • But he is not the only who is so smart to do that.

    但是,這麼聰明的人並不只有他一個。

  • Take Elon Musk for example, Most of his wealth is tied to Tesla and SpaceX, to buy a house

    以埃隆-馬斯克為例,他的大部分財富都與特斯拉和SpaceX掛鉤,買房

  • for 20 million dollars, he probably might need to sell a considerable chunk of his wealth,

    為了2000萬美元,他可能需要賣掉相當一部分財富。

  • pay taxes and incur other expenses, however, he can take free money and keep his monthly

    稅和其他開支,但是,他可以拿著免費的錢,保持他的每月

  • payment under his budget.

    在他的預算下支付。

  • He took out a 61 million dollar mortgage for 5 properties in California with a monthly

    他為加州的5處房產辦理了6100萬美元的抵押貸款,每月的利息是

  • payment of 180 thousand dollars.

    支付18萬美元。

  • That's not unique to billionaires, its also practiced by moderately rich people like Jay

    這不是億萬富翁才有的,像周杰倫這樣的中等富豪也有這樣的做法。

  • Z and beyoncé.

    Z和碧昂斯。

  • They took a mortgage to buy their 88 million dollar house.

    他們貸款買了8800萬的房子。

  • They put 40 percent downpayment and financed the other 52.8 million dollars.

    他們付了40%的首付,另外融資5280萬元。

  • That leaves the couple with a 149,600 dollars monthly payment.

    這樣一來,夫妻倆的月供就有14.96萬元。

  • In comparison, The national median home value is $200,700.

    相比之下,全國的房價中位數是200700美元。

  • Instead of tidying 53 million dollars in a house, he defiantly knows where to invest

    與其整理5300萬的房子,還不如不顧一切地去投資。

  • it, to maximize his profit, at the end of the day, He has made a lot of great investments,

    它,使他的利潤最大化,到最後,他已經做了很多偉大的投資。

  • and he is on his way to becoming a billionaire.

    而他正在成為億萬富翁的路上。

  • The richer you get, the better ways to find to make more money.

    你越有錢,就越能找到更好的方法來賺更多的錢。

  • But let's be honest, not everyone gets such a low mortgage rate, nationwide its around

    但說實話,並不是每個人都能拿到這麼低的房貸利率,全國範圍內,它的房貸利率大約是... ...

  • 3 percent, but even at that rate, it still doesn't make sense to purchase a house if

    3%,但即使按照這個比例,如果買房仍然沒有意義。

  • you can finance it.

    你可以資助它。

  • But let's get this clear first! why do the super-rich get a lower rate than the rest

    但是,我們先要搞清楚這個問題!為什麼超級富豪的稅率比其他人低?

  • of the country?

    的國家?

  • First of all, when you are a billionaire, the bank can sleep calmly because no one is

    首先,當你是億萬富翁的時候,銀行可以睡得很安穩,因為沒有人...

  • worried that you might default on your loan and in case if something happens, you can

    擔心自己會拖欠貸款,萬一有什麼事情發生,可

  • easily sell part of your business to pay back your mortgage, that takes out the risk out

    很容易賣掉部分生意來還貸款,這樣就把風險消除了。

  • of the equation.

    的等式。

  • Compare that to an average employee who could get sick and not be able to work or just lose

    與普通員工相比,他們可能會生病,不能工作,或者直接失去了

  • his job.

    他的工作。

  • Secondly, Paying your mortgage on time every month helps you build and maintain a healthy

    其次,每月按時還貸有助於您建立和保持健康的

  • credit score, so when you are in trouble next time, with a strong credit score, it will

    信用分,所以當你下次遇到麻煩的時候,有了強大的信用分,就會有了

  • be much easier to borrow money from the banks.

    從銀行借錢要容易得多。

  • You are basically building trust between you and the financial institutions.

    你和金融機構之間基本建立了信任。

  • But it could also be the other way around.

    但也可能是另一種方式。

  • Banks do offer such a low mortgage rate to establish a strong relationship with rich

    銀行確實提供了這麼低的房貸利率,與富人建立了緊密的關係。

  • people so that when their companies would need a loan from a bank, they would come to

    人,這樣當他們的公司需要從銀行貸款時,他們就會來。

  • them and not their competitors.

    他們而不是他們的競爭對手。

  • It's a win-win situation.

    這是一個雙贏的局面。

  • But these low mortgage rates are adjustable which means as I said earlier, they could

    但是,這些低抵押貸款利率是可以調整的,也就是說,正如我前面所說,他們可以

  • go up! but no one is worried because if it stops making sense economically to these ultra-rich

    漲!但沒有人擔心,因為如果對這些超級富豪來說,經濟上不再有意義的話

  • people, they easily can pay back their mortgage.

    人,他們很容易就能還清房貸。

  • But Most people associate debt with something negative because we usually borrow money that

    但大多數人都會把債務和負面的東西聯繫起來,因為我們通常借錢,而這

  • we can't afford for entertainment and end up paying a lot more back.

    我們買不起娛樂,最後還得多付很多錢。

  • In fact, right after getting out of college, you realize what a burden your student debt

    其實,剛走出大學校門,你就會意識到,你的學生債是一個多麼大的負擔。

  • is already.

    是已經。

  • and once you calculate how many years you have to pay back that debt, you immediately

    一旦你計算出你有多少年的時間來還債,你就會立即。

  • create a perception that- DEBT IS BAD. especially when you cant even default on it.

    債務是壞事,尤其是當你不能違約的時候。

  • Playing around with debt is not easy, you are eventually taking a huge risk and a small

    玩轉債務不是一件容易的事,你最終要承擔巨大的風險,而小的

  • miscalculation can lead to disastrous consequences.

    誤判會導致災難性的後果。

  • In fact, we have got into so much debt that most people now can't even afford unexpected

    事實上,我們已經負債累累,以至於大多數人現在連突發的

  • 500 dollar bill because we have to make all of these monthly payments.

    500美元的鈔票,因為我們要支付所有這些月供。

  • However, that's what distinguishes bad debt from the good one.

    不過,這也是壞賬和好賬的區別。

  • Debt can ruin your life, make you homeless and cripple your family if you are reckless

    債務會毀掉你的生活,讓你無家可歸,如果你不計後果,會讓你的家庭陷入癱瘓狀態。

  • but it can also make unbelievable rich if you know how to use it because it is Leverage.

    但如果你知道如何使用它,它也能讓你變得無比富有,因為它是槓桿。

  • Leverage is a superpower that can make you rich instantly.

    槓桿是一種超能力,可以讓你瞬間致富。

  • Let's say for the sake of example, you buy this phone for ten thousand dollars, go to

    打個比方,你買這臺手機是一萬塊錢,去。

  • the market and sell for it 11 thousand dollars, congrats, you just made a profit a thousand

    在市場上賣出一萬一千美元,恭喜你,你剛剛賺了一千美元。

  • dollars, however that's not much.

    元,然而這並不多。

  • But what if you use leverage, you go the bank first, borrow 990 thousand dollars, with your

    但如果你用槓桿,你先去銀行,借99萬,用你的。

  • additional 10 thousand dollars, that's going to be a million dollars.

    額外的一萬元,那將是一百萬元。

  • You head to your supplier and buy a hundred phones now for a million dollars, turn around

    你去找你的供應商,現在買一百部手機,一百萬元,回頭

  • and sell it to the market for 1 100 000 dollars.

    並以100000美元的價格賣給市場。

  • But you still owe the bank, so you go back to the bank again and return them 990 000

    但你還欠著銀行的錢,所以你再去找銀行,把錢還給他們99萬

  • thousand dollars that you borrowed and another 10 thousand dollars in interest.

    你借的一千塊錢,還有一萬塊錢的利息。

  • Now you are left with a hundred thousand dollars.

    現在你還剩下十萬塊錢。

  • After you deduct your own 10 thousand dollars, you are left with 90 thousand dollars of pure

    扣除自己的一萬塊錢,還剩下九萬塊錢,純屬

  • profit.

    盈利。

  • That's how you make money when you don't have money.

    沒錢的時候就是這樣賺錢的。

  • The bank made their share of the profit and you made yours.

    銀行賺了他們的那份利潤,你也賺了你的。

  • Of course, when you take this formula to the extreme and it's not regulated by the government

    當然,當你把這個公式發揮到極致,而它又不受政府監管的時候

  • and practiced by everyone in the wall street, it turns into a financial crisis, as it happened

    並被華爾街的每個人所實踐,它變成了金融危機,就像它發生的一樣

  • in 2008.

    2008年。

  • Remember when home prices crushed?! and then they took down the entire economy with them?!

    還記得當初房價崩盤的時候嗎!然後他們把整個經濟也一起拖垮了嗎?

  • Well, its because the investment banks used leverage to maximise their profit to the point

    那是因為投資銀行利用槓桿效應將利潤最大化,以至於...

  • where their strategy backfired!

    他們的策略適得其反!

  • Because they began giving mortgage to people who didn't necessarily had the best credit

    因為他們開始給那些不一定有最好信用的人提供抵押貸款。

  • score and weren't financially prepared to make the monthly payments.

    分,並沒有經濟上的準備來支付月供。

  • and then they defaulted on their mortgages, it was a nightmare for the investors because

    然後,他們違約 他們的抵押貸款, 這是一個噩夢 對於投資者來說,因為

  • for the last 40 years, home prices were rising and suddenly, they were going down.

    在過去的40年裡,房價一直在上漲,突然間,房價就會下跌。

  • Well, we are not going to get into the details of the 2008 financial crisis, thats a story

    好吧,我們不打算進入2008年金融危機的細節,那是一個故事。

  • for another video but in any ways it's still a major tool of how rich people make money.

    為另一個視頻,但無論如何,它仍然是富人如何賺錢的主要工具。

  • Of course, it's risky and you can end up losing everything, but if you know what you are doing,

    當然,這是有風險的,你可能最終會失去一切,但如果你知道自己在做什麼。

  • you can make a fortune overnight.

    你可以一夜暴富。

  • I hope you guys have enjoyed this video and most importantly found it helpful.

    希望你們喜歡這個視頻,最重要的是覺得對你們有幫助。

  • And if you did, make sure you give it thumbs and if you wanna see more of these video,

    如果你做了,一定要給它豎起大拇指,如果你想看到更多的這些視頻。

  • considering subscribing and clicking on the bell besides it.

    考慮訂閱並點擊鈴鐺之外。

  • So that the next video will appear right in your homepage and you won't miss the next

    這樣,下一個視頻就會出現在你的主頁上,你不會錯過下一個視頻。

  • video.

    視頻:

  • thanks for watching and until next time!

    謝謝觀看,下次再見

In July of 2012, Mark Zuckerberg financed his 5.95 million dollars Palo Alto home, that's

2012年7月,馬克-扎克伯格為他的595萬美元的帕洛阿爾托住宅提供了資金,這就是。

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A2 初級 中文 利率 貸款 銀行 抵押 美元 房貸

如何利用債務賺錢 (How To Make Money With Debt)

  • 54 3
    Summer 發佈於 2020 年 10 月 24 日
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