|
回复:关于一个无本生利, 贷款投资的问题
最初由[四面来风]发布
关于一个无本生利, 贷款投资的问题
有朋友向我推销这个金融产品, 想多听听意见. 这个产品的原理大致如下:
金融机构给我贷款50,000(假设数目), 我每年须付6%利息, 但每年以资本返还形式付我6%, 这样我每月的现金流为进250, 出250, 互相抵消. 由于投资利息可以推税, 资本返还可以免税, 这样到年底我就可以净赚退税钱, 如税率30%, 就是900元. 资本返还的6%是保证的.
不知大家有没有听过这个产品, 风险在哪里?
Sorry I can not input Chinese now.
I was offered this kind of investment as well. I'm also wondering how it works.
"投资利息" is deductable to income tax or only deductable to capital gain. This is a question I have to figure out.
If it's deductable to income tax (i.e. T4), what you said works.
However, if it's only deductable to capital gain, what you said would not work.
For me the only way it works is that you borrow loan, do investment and make sure return > 6%. But you take all the risks (e.g. return < 6%). |
|