怎樣借錢？資金短缺，現金流不夠？貸款再融資 Refinancing是什麼？個人貸款是唯一選擇嗎？How to borrow more money? Cash flow problem..

针对性的暂缓偿还贷款措施是什么？ What are the targeted extension of the moratorium? 如果不符合这措施，可以如何套现， Those who do not fulfil the criteria, how to cash out, 度过难关？ Overcome the difficulties Hello, 大家好，我是 Hailey Hello, everyone I am Hailey 是一名理财规划师 Hello, everyone I am Hailey 是一名理财规划师 a licensed financial planner 如果你是第一次来到我的频道， If you come across my channel for the first time, 我的频道是关于投资理财，理财规划 My channel is about financial planning, investment planning, 在我们一生之中，不同阶段所需知道的理财知识。 Financial planning that we need to know at different stages in our life. 如果想知道更多的相关内容， If you are interested to know more, 记得订阅我的频道， please subscribe to my channel, 还有点击旁边的小铃铛， And remember to click the little bell next to it, 这样就不会错过我接下来的影片了。 So that, you won’t miss out my future videos. 最近都会听到很多人说，没有钱， Recently, heard a lot of people complaint on no money, 想要找办法以低利息借钱。 Want to find a way to borrow money with lower interest. 而之前延缓贷款的优惠将在9月30日结束。 The blanket moratorium ending on 30 September 2020 大家是否做好准备要重新还贷款了呢？ Are you ready to continue repay the loan? 如果你们也一样面临这个问题， If you also facing the same problem, 就要看看这个视频， Watch this video, 这个视频将会讲解面临资金短缺，如何套现，度过难关。 This video will explain on how to cash out and overcome difficulties. 考虑个人贷款前要了解的事情。 Things to know before consider on personal loans. 首先，假如你是符合“针对性的暂缓偿还贷款”措施的朋友， If you meets the " targeted extension of the moratorium " requirement, 你就可能可以延长暂缓还贷期。 You may be able to extend the deferred loan repayment period. 而这“针对性的暂缓偿还贷款”是给予： And this " targeted extension of the moratorium " is given to: 在2020年失业但仍未找到新工作的人， Individuals who have lost their jobs in 2020 and have yet to find a job 将享受3个月的延长暂缓偿还期。以及 will be offered an extension of the loan moratorium for further three months 对于仍在工作但由于受新冠肺炎疫情而影响而减薪的人， Or individuals who still in employment but salaries have been affected 根据贷款的类型， will be offered a reduction in loan instalment in proportion to 每月分期付款的金额将根据减薪幅度而减少。 salary reduction, depending on the type of financing. 此外，银行还承诺为所有受新冠肺炎疫情影响的 In addition, banks have also committed to provide repayment flexibility 个人借款人或中小企业 to other individuals and all SME borrowers 无论是商人，小贩还是自雇人士提供帮助。 Including businessman, hawker or self-employed 根据借款人的情况，提供的援助包括： The flexibility offered by each bank includes 在指定期限内只需缴付利息 only pay the interest portion of the loan over a period of time 延长贷款的期限，以减低每月定时还款的数额 Lengthening the overall period of the loan to reduce monthly instalments; or 提供其他类型的豁免，直至借贷者的财务状况稳定 Provide other flexibility until a borrower is in a more stable position 符合资格的人士，可以联系个别银行提出申请。 Eligible persons can contact their banks to apply. 假如你们不符合以上的资格或者 If you do not meet the above criteria or 以上的援助不足以解决到资金短缺的问题， The above extension is not enough to solve your problem 你们就应该继续看完这个视频。 You should continue watch this video. 危机当前，许多人都面临现金流紧张的问题。 Many people are facing tight cash flow problem 可能会考虑卖掉房产， Maybe will consider selling off the property, 可是在这个时候卖房产也不一定有人要买， But this is not a good timing, may not able to find buyer 就算有人要买，可能价钱也不合理 Even if someone wants to buy, may not able to have a good price also. 所以，想要缓解问题， Hence, 除了脱售房产，也可考虑房贷再融资（refinancing）。 Other than selling the property, refinancing can be considered. 要记住的是，我们应该优先考虑房贷再融资， One thing to remember, we should consider refinancing first 如果没办法，才来考虑个人贷款。 If there is no alternative, then only consider personal loans. 再融资就是向银行再借钱， Refinancing is to borrow additional money from bank, 用新的房贷还原有的房贷。 Use new loan to repay existing loan 这种做法只有在新的贷款比现有贷款更实惠时才有意义， This only makes sense when new loans are better than existing loans. 例如融资更多的贷款， For example refinance for higher loan amount, 银行提供更低的利率或更灵活的贷款配套。 Banks offer lower interest rates or more flexible loan packages. 什么情况可以选择再融资呢？ When should we consider refinancing? 假如你的房子增值了。 If your house value has increased 通过再融资可以不用卖掉房子，也一样可以套现。 By refinancing, you can cash out without selling off your house 比方说，一开始你以80万购买手上的产业， For example, initially you bought the property at 800,000 5年后，产业市价已上升到100万， Five years later, the market price of the property increase to 1 million. 而贷款余额为60万。 The loan balance is 600,000. 若以屋子的市价100万，申请90%贷款， If you apply for a 90% loan at the market price of 1 million, 就会得到90万的贷款， Will get a loan of 900,000, 扣除贷款余额60万，就可套现30万的现金。 After deducting the loan balance of 600,000, you can cash out 300,000 cash. 由于现在的利率一减再减， Since the current interest rate has been reduced, 以前在高利率时借的贷款配套可能会比较高。 The loan packages borrowed in the past might be higher interest rates 所以，可以选择在低利息时再融资以节省利息。 Therefore, you can choose to refinance at low interest rates to save interest. 有时把房贷转到另一家银行也可享有更优惠的利率配套。 Sometimes transfer loan to another bank can enjoy more favorable package. 如果你的财务状况有所变化， If your financial situation changes, 改变了贷款偿还的能力， Loan repayment ability changed 可以通过再融资来延长还款期限。 The repayment period can be extended by refinancing. 这样就不会因为没有如期偿还贷款而承担逾期偿还的费用， So no need to pay late charges or penalty due to unable to repay loan on time 也防止信用状况恶化。 It also prevents the drop of credit rating. 当然，也可以通过再融资来缩短还款期限来节省利息。 You can also shorten repayment period through refinancing to save interest. 假如你还有其他的个人贷款或信用卡欠款， If you have other personal loans or credit card debts, 也可以通过再融资做债务重组。 Debt restructuring can also be done through refinancing. 如果真的选择再融资，必须考虑以下3点 If you decided refinance, you must consider the following 3 points 第一，你的贷款已经过了锁定期吗？ First, has your loan passed the lock-in period? 再锁定期内，我们不可以还清贷款或再融资， During the lock-in period, we cannot pay off the loan or refinance. 不然会遭到罚款。 Otherwise need to pay for penalty. 一般上，银行贷款的锁定期是三到五年。 Generally, the lock-in period for bank loans is three to five years. 如果选择在锁定期内再融资，就得算一下值不值得给这罚款。 If choose to refinance during lock-in period 如果选择在锁定期内再融资，就得算一下值不值得给这罚款。 need to assess whether it is worth to pay penalty. 第二，再融资需要另外缴付贷款合约律师费， Second, refinancing requires additional fee for loan contract lawyer fees. 印花费，估价费及其他费用。 Stamp duty, valuation fees and other costs. 如果再融资是为了节省利息的话， If the purpose of refinancing is to save interest, 就要确保这些费用都计算在内。 Make sure that these costs are being factored in. 第三，若选择了再融资，就代表贷款期会更长， Third, if you choose to refinance, means that the loan period will be longer. 要考虑延长了的贷款期是否有能力偿还贷款。 To consider the capability to repay loan for the extended loan period 原本30岁借了30年的贷款，60岁还清。 If loan for 30 years at the age of 30 and paid it off at the age of 60. 在40岁时，选择再融资的贷款期限也是30年的话， At the age of 40, if refinance and loan period for refinancing also 30 years, 那么要还到70岁才还清贷款。 Then the loan will not be paid off until you are 70. 所以，要考虑61 到70岁是否有能力还贷款。 Therefore, need to consider from age 61 to 70 whether able to repay the loan. 对许多人来说，再融资意味着背负更多的债务， For many people, refinancing means taking on more debt. 因此不被视为解决问题的一个选择。 Therefore it is not regarded as an option to solve the problem. 其实，再融资不只可以提供现金， In fact, refinancing can cash out, 也可以是财务规划的一部分。 And also can be part of financial planning. 当许多人的现金流出问题时， When decided to refinance only after serious financial difficulties or 或已经拖欠几个月的房贷后，才决定进行再融资。 After failure to repay few months of loan 这会降低他们获得好配套的机会。 This will reduce the chances to bargain a good package. 申请房贷再融资应该趁我们的财务状况还算稳定的时候进行的。 Refinancing should be considered while our financial situation is stable. 而之前这个视频有提到个人贷款的计算方法， Previous video mentioned on the calculation method for personal loans, 房贷再融资的利率比个人贷款低， The interest rate for refinancing is lower than personal loans. 而且贷款人也被允许提前还清贷款， And the borrower allowed to pay off the loan early, 这也是为什么从视频一开始 This is why I always recommend 我都会推荐优先考虑再融资才来考虑个人贷款。 consider refinancing first compared to personal loans 好了，今天的分享到这里 That's all for today's sharing, 如果大家想为自己的财务状况做规划， If you want to plan your own financial situation, 看看再融资是否适合自己， To assess whether refinancing is suitable for you, 或者要看哪家的贷款配套适合自己， Or to assess on which loan package is better, 可以填写以下的表格让我知道。我会联系你 You can fill up the form below and let me know. 如果觉得内容有帮助的话，记得按like， If you find the content helpful, please click like 还有欢迎在下方留言。 You are also welcome to leave a message below 如果你有什么特别想知道的理财内容， If you have any financial planning question that you would like to know 或者关于投资理财，理财规划的问题也可以填写下面的表格， Or anything about investment planning, you can fill up the form below 让我知道。 I will contact you. 想要看到接下来的影片， If you would like to watch my future video 记得关注我的频道， Remember to subscribe my channel 我们下次再见哦 See you next time Bye Bye Bye Bye