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借得精明:六個你可能需要私人貸款的時候

借錢,不一定是壞事,只要借得精明,用得其所,私人貸款其實是個不錯的理財工具,助你輕鬆周轉、應付突發需要、甚至實現夢想。當然,借錢之前,必須衡量個人需要、還款能力,更要比較各銀行的私人貸款計劃。常見借貸原因有如下六種:

1. 置業

除非你可以「上車」靠父幹,否則買樓肯定是你一生中「洗得最多錢」的時刻。雖然有按揭幫補,但裝修費、律師費一大堆,一時間未必有太多流動資金周轉,難免要靠私人貸款幫手。

2. 人生大事

就算何其不情願,要迎娶你個BB,影婚紗照、辦婚禮、擺酒、度蜜月,樣樣都係錢。如果你個BB要你學人租架直升機求婚以示誠意,咁你結次婚的開支,隨時近百萬元。有調查顯示,港人的結婚平均洗費,一般超過40萬元。

3. 生B

娶完你個BB,好大機會是緊接生B。正如風之后珊珊(李麗珊)早幾年所講,在香港你要養個細路,起碼要400萬。呢個400萬估算是2012年的產物,計埋通脹如今肯定不只這個數。再者,如今的小朋友,未識行已要上各種Playgroup,返學又要琴棋書畫興趣班輪住上,如要讀國際或直資學校,學費更是驚人。總之,生完個B後,你就要時刻想想如何儲錢、理財、投資、甚至借貸,以應付你個B的永恆洗費。

4. 出國留學

當你忍受不了香港的教育制度,想安排子女出國留學擴闊視野,又是一大洗錢位。除了你的子女,可能你做了這麼多年人,突然覺得返工放工像在消磨意志,想出外進修增值自己,這又可能需要龐大資金周轉。

5. 突發事件

老套也要講句,天有不測風雲,人有旦夕禍福,生活上總會遇上些突發事情,例如生病、親人去世等。雖然有保險保障,但未必可以完全應付。

6. 債務重組

如果你身懷沉重卡數,甚至個個月還 Min Pay,可能要考慮申請私人貸款改善負債。因為信用卡欠款年息,隨時高達20至30厘,私貸的年息一般不超過10厘,有些更低至幾厘。當然不是要鼓勵借錢冚債,但申請私人貸款先行清還所有信用卡卡數,再慢慢攤還貸款欠債,總可減輕信用卡的高息壓力。

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