In camiliaran Why nonetheless in debt if I actually have a whole lot of cash I might not have installments stated many netizens spoke back to a viral video approximately three girls who've profits sharing 600's of one billion 1.1 billion consistent with month Mr. Sandiaga Uno additionally has a debt of 289 billion Mr. Erick Thohir has a debt of 176 billion and also you have been born with a debt of 6.nine on behalf of they all personally.
Why the rich are in debt
In this video I need to speak about a angle on debt which appears to be a whole lot of mistakes, yes, as though debt is a totally awful factor and if you may keep away from it, do not contact it in any respect. Yes, if it's miles purchaser debt for matters that do not make cash anymore besides for loan debt Yes Yes, it's miles genuine that debt is a awful factor if the debt is debt with excessive hobby that's better than the go back on funding I usually have an excessive amount of debt.
Usually, if we've greater than 30% of our assets, it is going to be risky and could pose a hazard of bankruptcy, so immoderate debt is truely now no longer good, however if we do not owe in any respect however owe in line with the portion, it is also now no longer incorrect due to the fact we're aware We do not recognize that there are such a lot of instances on this world, how at the beginning we're pressured to pay coins although it will suffocate our casuals or even make us take money owed quick with excessive hobby afterward or secondly there also are those who purchase matters which are greater expensive.
It's cheap, so you can pay with cash, but it doesn't last long and you'll have to buy a new one soon. Let me give you an example. Let's take a look at the assets and liabilities of Indonesia's richest man, Sandiaga Uno, who was the first to report his wealth.
Minister of Tourism and Creative Industries and founder of the entire Toga, according to lhkpn 2021, Sandy has total assets of Rp 10.62 trillion and his liabilities of 289 billion, of which his assets of 9.7 trillion are in securities. , 700 billion is cash equivalents. The second is Mr. Dato Sritahel, founder of the Mayapada Group and a member of the Presidential Advisory Board. According to lhkpn 2021, Tahir has total assets of Rp15.7 trillion and liabilities of Rp6.9 trillion, of which $8 trillion is in securities and $2 trillion is in cash.
Third is Erick Thohir, Minister for State-owned Enterprises and founder of Mahaka Group. According to lhkpn 2021, Pak He Eric has total assets of Rp 2.3 trillion and liabilities of Rp 176 billion, of which his assets of 1.7 trillion are securities and his cash equivalents of 140 billion, the fourth is minister This is Mr. Nadine Karim. According to lhkpn 2021, Nadim has total assets of Rp1.3 trillion and his liabilities of Rp193 billion, of which his $1 trillion is in the form of securities and $5.7 billion is equivalent to cash. increase. In this video, I won't go into why they are rich or what kind of business it is.
Why do you think and post your answer in the comments? Yes, there are several reasons why rich people owe as much as viral women with billion income and AdSense. I also have a car by now, so I can understand that too loan, right? It is due to be paid off in November, and there is also a mortgage. Yes, Amin will pay off in two years.
Some reasons are the first reason. The debt was taken before it became what it is today. Perhaps we did the installments when they arrived. Even if you bought a house for 5 billion, he was 200 million to 300 million in a month. Do they have? 50% DP and 5 year installments yes the installments are still 50M per month right? must be paid in cash in stages.In fact, if you want to buy and renovate a house, it really makes sense to take out a loan, even if it's a short-term loan of five to eight years. Because there's really a lot of money that you have to spend on time.
Not only are we paying for the house, we are also paying for the renovation. The second reason wealthy people go into debt is because of the economic sun, where interest on debt is much lower. be paid. So we no longer have a caster we can invest in, but if we have a mortgage record, we'll say he pays 50% DP and interest is 5-6% per annum.
The remaining 50 shillings can be invested in a business or investment. Basically I don't know where you want to go, but if your return could be 15-20% a year, why not pay interest on your mortgage? 3-4x return on investment If high, or for example Sandia Ga Uno and Eric Thill, the majority of their assets are in stocks and equities.
They may or may not see money left in stocks like Adalos. Yes, religious MTK they have. And they can control and manage themselves and their husbands can earn more than 20% per annum.So why should Bondan pay off the debt at less than 5% interest rate? Instead, it's better to turn it into a business or investment that can generate greater returns.
Why do rich people go into debt when it makes financial sense? They also often refer to that debt as leverage or gasoline to get richer. third is because Cash isking and liquidity is Queen there are so many rich people who often use it find a good investment or business opportunity in the middle of the road and they need a lot of money to enter so that the results will be significant So if you wonder Why do they have a lot of cash but do n't pay off their debts, maybe it will make them ready for opportunities that come to us then we often do, right? I see a very interesting stock, I want to buy or add a lot but the money is limited that's why we need a fairly large portion of pity around 20 to 30% of our assets in normal conditions so that we can take every opportunity that comes to us, three reasons why rich people are in debt Most often I hear directly from them, if you know other reasons, you can really write in the comments, I hope this video is quite clear and opens a new perspective on debt, yes, we are taught from a young age not to owe or owe friends, but in the world of finance, debt becomes something which is very important for the growth of the country has many I owe debt so that we can accelerate development because if we wait until we have enough money from taxes, maybe it will take another 10 to 15 years before we have adequate infrastructure.
Many people choose to take out debt, whether it's a mortgage, a car loan, or an installment. Because if you wait for 100%, you're paying cash and house prices may have gone somewhere else. This means that all purchases are made with cash. It's hard to relate to words like this, so in this video, debt isn't wrong. What we must avoid is, firstly, debt beyond our ability to repay from the sum of all our debts, ideally less than 30% of our income, and spending money Two debts to consume for those who are not earning. This should be avoided. The third thing to avoid is taking on debt that pays 10% interest if the interest rate on the debt is very high, usually more than 15% per annum or higher than your investment return. Well, you actually lost 7%, right?
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