[請益] 質借的好處遠遠大於信貸吧?
(某個信貸的規定當依據參考)
最近覺得怎麼看質借都比信貸好,怎麼會有人跑去用信貸?
隨便買個中華電信或是0050ETF之類的,本多忠勝一張不賣心法,
閒錢當定存就是不賣,這樣就沒有價差損益的問題,
放著隨時能透過質借拿60%的錢出來,
無論是要繼續投入還是應急都很方便
整體來說信貸相比質借,利率較高、並且可能浮動
加上有綁約期(提前清償要付違約金)
貸款時間長,沒辦法有錢了就能隨時OVER掉..
比如我近期元大證借了2.6%,雖然不是最高也屌打很多信貸利率,
股票放在裡面還能繼續領息
信貸怎麼感覺要被質借消滅了?
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