Set sail1992

Chapter 519 Very high interest rate

Everyone's attitude was very consistent, and they all said: Mr. Zhang, we listen to you, and we will do whatever you say.

Of course, the reason why everyone's attitudes are so consistent is because Zhang Qihang led everyone to make money.

Not only made money, but also made a lot of money!
In half a year, 150% of the net income is more than ten times more cost-effective than depositing in a bank. Where can I find such a good thing?
These days, being able to make money is the biggest reason!

Zhang Qihang nodded: "Success, I understand what everyone said, but now is not the time to increase leverage. You may not know that the interest rate of this leverage is very high."

High interest rates on leverage?
As a financial officer, Xie Haiqiang is very sensitive to things like interest rates. Hearing this, he immediately asked, "Mr. Zhang, what is the leverage rate that the securities company gave us?"

"2% monthly interest?" Xie Haiqiang was startled: "So high? So much higher than the normal loan interest?"

The monthly interest rate is 2%, and it is 24% for a year. Assuming that you borrow 1000 million from the bank, the interest alone will be 240 million in one year. , This 10.98% annual interest rate is really scary.

Not only Xie Haiqiang, but other people in the office were also shocked by this interest rate: 24% annual interest rate, this is simply robbery!
Zhang Qihang nodded and said: "The monthly interest rate of 2% is indeed a bit high, but everyone must understand that if it is a normal loan approval, how long will it take to go through? How many processes will it take? But this kind of leverage is very fast. , you can call the securities company, and it can be done in half an hour to an hour. Since it is so fast and bears such a big risk, isn't it normal for the interest rate to be higher?"

Hearing what Zhang Qihang said, everyone has nothing to say.

That's right, since people's capital approval speed is so fast, and there are such big risks, it is normal for the interest rate to be higher.

Xie Haiqiang nodded again and again: "I also said how could the bank be so kind. It turns out that's the case, so it's understandable."

As soon as Xie Haiqiang said this, everyone agreed.

Of course, there are also people who are concerned about other things, such as Luo Hanwen, who asked with concern: "Mr. Zhang, do we need to increase leverage in our investment in the second half of the year?"

As soon as Luo Hanwen said this, everyone looked at Zhang Qihang.

"This is exactly the question I want to discuss with you next," Zhang Qihang said: "I don't think Qingqi's stock will go up as crazy as it did in the first half of the year. I personally think that from now until the end of the year , Qingqi's stock has only risen by 15% to 20%. Let's just discuss whether to increase leverage?

If you want to add it, how many times?
Of course, if anyone thinks that in the second half of the year, there is any stock that is more worth investing in than Qingqi Motorcycle, we can pull out the funds and invest in this stock. "

Everyone automatically ignored Zhang Qihang's last sentence, which stocks are more worth investing in than Qingqi motorcycles?
What a joke!
Who can say for sure about stocks?
But what Zhang Qihang said earlier made everyone's heart flutter: Mr. Zhang thinks that Qingqi Motorcycle will have a growth rate of about 15% to 20% in the second half of the year?if it is like this……

Anyone who is qualified to sit in this conference room has a good level of mathematics. Everyone immediately began to calculate in their hearts, and some people even started to write and draw on paper:
If the interest rate is 15%, the leverage is 1 times, the total capital of leverage plus self-owned funds is 2300 million, the half-year income is 345 million, and the semi-annual interest rate of 1150 million leverage is 138 million, and then the 0.5% securities company procedures are removed. fees and 20% personal income tax, the money that can be obtained in the end is 164.22 million;
With 15% interest rate and 2 times leverage, the income for half a year is 517.5 million. After deducting the interest rate, the handling fee of the securities company and the personal income tax, the final amount that can be obtained is 192 million...

At this point, the person who did the calculation couldn't help but start to frown: the leverage was doubled, and the interest was overpaid by millions, so the income only increased by less than 30?
But if the interest rate is 15% and the leverage is 3 times, the money that can be obtained in the end is 314.04 million;
Continue to count down, 15% interest rate, 4 times the leverage, remove the interest rate, securities company's handling fee and personal income tax, the last thing you can get is...

What the hell!

245? !

The bank alone took 552 million interest?

Seeing how everyone was counting, Zhang Qihang was not in a hurry: the money belongs to everyone, so it needs everyone to calculate it clearly, and he didn't want to take advantage of this opportunity to take everyone's money. But I just want to use this method to make up for everyone.

On the contrary, Xie Haiqiang, after quickly completing the income under each leverage, said: "Mr. Zhang, I think we should put safety first in our investment. I think it is more appropriate to formulate an investment strategy with a 15% income. If there is still a rising trend, it’s a big deal to go back and buy a lot at that time.”

Zhang Qihang nodded: "This is not bad, at least it can guarantee the income... So you think you can increase the leverage by 3 times?"

"Yes," Xie Haiqiang nodded and said, "I think triple leverage is relatively safe."

"Old Xie, I just saw your calculation method. There is something wrong with your calculation method." Zhang Qihang smiled and said, "Our current self-owned funds are not 1150 million, but almost 2900 million..."

"what!"

Being reminded by Zhang Qihang, Xie Haiqiang immediately reacted, and he slapped his head: "Look at my brain!"

That's right, the original 1150 million bonus has now increased to almost 2900 million. How can I continue to use 1150 million as the basis for calculation?Comrade Xie immediately said: "It was my negligence... I will recalculate right away."

Zhang Qihang went on to say: "In addition, 2900 million funds is already a large sum of money. If we add several times the leverage, the funds we can mobilize will directly reach hundreds of millions. If we buy such a large sum of money, we will buy another Stocks will inevitably cause relatively large fluctuations in the price of this stock, so diversification of investment must be considered.

If possible, I suggest that you look into other stocks during this period of time, and then we can discuss it together...Of course, I still say that we are making money together. If anyone thinks that their money is about the same If there is any other purpose, or simply because you think the stock market is too risky and want to withdraw your funds, then just mention it, don't feel embarrassed.

I am here to remind everyone: the stock market has risks, and you need to be cautious when entering the market.In the past few years, not one or two jumped off the building due to Shenzhen Development. I hope everyone will not be fascinated by the immediate benefits. "

(End of this chapter)