保費融資！為什麼香港十大富豪都要借錢？一起來學習像有錢人一樣用別人的錢幫自己賺錢！ - YouTube

大家好，我是Irene Hi everyone, I’m Irene

我記得在我剛剛入行的時候 I remember when I first entered this industry

聽了一個講座 I listened to a talk

那個講者說了以下一番說話 and the speaker said the following words

簡直改變了我對於投資的看法 which changed my view on investment

香港10大富豪 Out of the top 10 richest men in Hong Kong

有那個不借錢的？ who does not borrow money?

每個都借 Everyone does

他們沒有錢嗎？ they don’t have the money?

怎麼可能 It is impossible

全部都是世界富豪！ All of them are the world's richest men!

所以他們借錢是因為 They borrow money because it is much wiser

用別人的錢幫自己賺錢才是王道！ to use other people's money to make money for themselves

我們舉個例子 Let me give you an example

如果現在李嘉誠要用 If Li Ka-shing is going to spend 400 million

4億去建一層樓 to build a residential building

4億借不借呀？ will he borrow that 400 million from the bank?

借！ Of course!

20%利息借不借？ What about 20% interest rate?

借！ No problem!

4億而已 It's only 400 million

誠哥沒有嗎？ of course Li Ka-shing has it

那為什麼誠哥還要去借錢還利息呀？ Then why does Li Ka-shing still borrow the money?

誠哥去銀行借錢 Li Ka-shing borrows money from the bank

銀行的錢是誰的錢？ Whose money is it?

就是我們的錢呀！ It's our money!

銀行就是借我們存在銀行的錢出去，賺取利息 The bank lends our deposits to others to earn interest

所以誠哥用我們的錢去建樓 So Li Ka-shing uses our money to build the building

樓都還沒建好，樓花而已 and the building is not yet completed

就開始賣給我們 he can begin selling flats to us

而我們就去銀行借錢 And then we go to the bank to borrow money

買那層用我們自己的錢建的樓 to buy the flats built with our own money

誠哥和銀行當然是這單生意的大贏家呀 Of course Li Ka-shing and the bank are the big winners of this deal

銀行都是用我們的錢去借給誠哥 Banks lend our money to Li Ka-shing

除了收了誠哥的利息外 In addition to collecting interest from Li Ka-shing

我們買樓做按揭 they also charge us interest for decades

都收我們幾十年利息的 when we mortgage those flats

聽完之後有沒有覺得 What do you think?

整套流程真的很厲害很絕！ The whole process is really brilliant!

誠哥等等的富豪會用我們的錢 Rich people like Li Ka-shing use our money

去幫他們賺錢 to help them make money

為什麼我們要處於一個如此被動的狀態呢？ Why should we be so passive?

地產發展這些大生意就不是個個都做到 Not everyone can do big businesses like real estate development

但如果我告訴你有一個方法 but if I tell you there is a way

我們可以拿回主導權 we can get the control back

好像誠哥一樣用其他人的錢幫我們賺錢 just like Li Ka-shing use other people's money to help us make money

你想不想知道呀？ do you want to know?

那事不宜遲，我們馬上開始吧！ Without further ado, let's get started!

事先聲明 Let me clarify

我們所說用其他人的錢 when we talk about using other people's money

當然是合法途徑 we borrow money legally

並非叫你們去搶、挪用別人的錢 we are not asking you to embezzle other people's money

還有，借錢有風險 Also, borrowing money is risky

我們借了那筆錢去做的投資項目一定不能夠高風險 don’t borrow money to do any high-risk investment

因為這和賭博沒有分別 because this is no different from gambling

我們不會建議大家去做 and we will not recommend you to do it

所以低風險和穩陣好重要 we are all about low-risk and stable

保費融資原理與買樓差不多 The principle of premium financing is similar to that of buying a property

一個物業價值500萬元 For example, a property is worth 5 million

如果客戶有100萬元 If the client has 1 million

剩餘400萬元可以跟銀行做貸款 the remaining 4 million can be borrowed from the bank

保費融資道理一樣 It is the same with premium financing

一份保單總保費500萬元 An insurance policy has a total premium of 5 million

客戶有100萬元 and the client has 1 million

也可以跟銀行做貸款400萬元去買到這份保單 You can also make a loan of 4 million with the bank to buy this insurance policy

可能你聽到和買樓相似 Maybe when you hear that it is similar to buying a property

供樓 mortgages

那我借錢買保單後年年還利息 means I have to pay the interest every year

我有什麼得著呀？ What do I get out of it?

這就是保費融資厲害的地方 Let me tell you, this is why premium financing is so awesome

保費融資就是向銀行借錢去買保險 Premium financing is to borrow money from the bank to buy insurance

並以該保單的現金退保價值作抵押 and use the cash surrender value of the policy as collateral

因為你張保單和一層樓一樣都是有價值的 because your insurance policy is as valuable as a property

銀行知道如果你萬一離開人世 The bank knows that if you die

保險公司不會賴帳，一定會賠這筆錢 the insurance company will definitely pay

保費融資為的就是借助槓桿效應 The purpose of premium financing is to use leverage

來賺取保單派息與銀行融資利率之間的差額 to earn the difference between policy dividends and bank lending rates

有提供此類貸款的銀行 Banks provide such loans for designated insurance plans

都會有對應合作的保險公司為指定的保險計劃提供貸款 of their corresponding insurance companies

一般來說 Generally speaking

保費融資多數以萬用壽險為主 most of the premium financing uses universal life insurance

由於香港借錢成本低 Due to the low cost of borrowing money in Hong Kong

現時保單貸款利率一年只有約1至2厘(視乎不同銀行) the current interest rate is only about 1 to 2% a year

而保單回報，平均每年預計有4至5厘(複利) and the policy return is estimated to be 4 to 5% per year on average

那麼客戶便可以從中賺取利息差 so clients can earn interest from it

平均年回報可以高達每年8至9厘複利(視乎持有年期及利息變化) The average annual return can be as high as 8 to 9% compounded per year

萬用壽險的特點是 Universal life insurance is characterized by greater flexibility

供款額和年期等彈性較大 in the amount of contributions and terms

其次是一筆過付款後保單的現金價值較高 followed by the higher cash value of the policy after a lump sum payment

保單首日現金價值一般 The cash value on the first day of the policy is

約為整付保費的80% generally about 80% of the single payment premium

銀行批出的貸款額度 The loan amount approved by the bank is usually 70% to 90%

通常是保單首日現金價值的70%至90% of the cash value on the first day of the policy

假設投保人以100萬美元整付保費 Assuming that the insured purchases an insurance policy

購買一份保障額500萬美元的保單 with a sum assured of 5 million and a single premium of 1 million

若銀行批出其首日現金價值的90%作為貸款 if the bank approves 90% of the first day's cash value as a loan

貸款額就會是「100萬美元x 80% x 90%等於72萬美元」 the loan amount will be "1 million x 80% x 90 % Is equal to 720,000"

換言之，客戶就只需付出28萬美元 In other words, clients only need to pay 280,000

就可享有500萬美元的保障 to enjoy a sum assured of 5 million

以及收取保險公司按 as well as the interest rate that the insurance company

100萬美元保費派出的息率 pays out at the premium of 1 million

用28萬就可以買價值500萬的保單 With 280,000 you can buy an insurance policy worth 5 million

還可以從中賺息差 and you can also earn interest

這個交易不錯吧！ This deal is not bad!

這類貸款的利息計算 The interest calculation of this type of loan

與樓按相似 is similar to that of a real estate mortgage

以銀行同業拆息加上某定息息率 It uses Hibor plus a certain fixed interest rate

並以最優惠利率 and is capped at the best interest rate

至最優惠利率加1厘作封頂 to the best interest rate plus 1%

視乎不同銀行 Depending on the bank

有些銀行沒有封頂 some banks have no caps

但好平 but they are really cheap

假設保險公司派息4.5厘 Assume that the insurance company pays 4.5%

銀行貸款利息2.8厘 and the bank loan interest is 2.8%

整份保單會有4.5萬美元利息收入 The entire policy will have interest income of US$45,000

扣除銀行貸款利息支出2.02萬美元後 After deducting US$20,200 of interest expenses

可淨袋利息2.48萬美元 the net interest is US$24,800

若以總利息收入與28萬美元的保費成本計算 If calculated with total interest income and the premium of US$280,000

利息回報達8.9厘 the interest return is 8.9%

一般合資格的萬用壽險保單的 Generally, the internal rate of return of a qualified

內部回報率在3至4.5%左右 universal life insurance policy is about 3 to 4.5%

而銀行貸款利率只有2%左右 while the bank loan interest rate is only about 2%

因此如你有高額人壽保障的需要 Therefore, if you have a need for life insurance with higher value

又無意一次性支付巨額保費 and you do not want to pay so much money

就可借由保費融資以槓桿替你的保險添加「套息生財」這項功能 you can use premium financing to leverage your insurance

通常保費融資適用的保險計劃 Generally, most insurance plans applicable to premium financing

多數較大部分投資於固定收益產品 are invested in fixed-income products

所以預期分紅波動較少 so the expected dividend volatility is less

因此穩定性會比直接投資股票高 so the stability will be higher than that of investing in stocks

保單在融資後的複利回報更可高達9%或以上 and the return after financing can be as high as 9% or more

對於部署退休人士及創業人士來說 For those who are planning for retirement and entrepreneurs

保費融資不但可以較低成本槓桿 premium financing can not only provide protection

出大額保障作財富傳承 for wealth inheritance with lower cost

更可有額外利息收入去鞏固退休儲備 but also have additional interest income to consolidate retirement savings

屬於優越的避險金融工具 it really is a superior hedging financial tool

做保費融資後 After premium financing

你每月只需償還利息，而無需還本 you only need to pay the interest not the principal

以香港某間銀行為例 Take a bank in Hong Kong as an example

目前息率是H+1.5% the current interest rate is H+1.5%

有些甚至設定利率上限P-2.35厘(P=5.25%) and some even set the interest rate upper limit of P-2.35% (P=5.25%)

你可以因應可接受風險程度 You can choose a suitable loan plan based on

選擇適合借貸的計劃 the level of risk you are willing to take

保費融資計劃不會像買樓那樣不菲的稅費 Unlike buying a house, you don’t need to pay so many taxes

佣金等費用 commissions and whatnots with premium financing

不需要尋找租客擔心租霸 There is no need to worry about finding tenants

也不會有折舊貶值的問題 and there will be no problems of depreciation and devaluation

若想套現 If you want to cash out

只需向保險公司提出退保 you only need to surrender the insurance

保險公司便會扣除客戶借的保費和利息 and the insurance company will deduct the premium and interest borrowed

將餘錢退回投保人 and return the remaining money to the policyholder

套現過程只需約一至兩個星期 The cash-out process only takes about one to two weeks

跟賣樓相比 Compared with selling a flat

無需找買家，更為「快、靚、正」 there is no need to find a buyer, so it is way better

承接開頭所說 In the beginning

誠哥是用我們的錢幫他賺錢 I said that Li Ka-shing uses our money to help him make money

我想說到這裡，大家都可以理解到到底保費融資 I think now you have an idea of how premium financing

是怎樣幫我們用別人的錢幫自己賺錢 helps us make money with other people's money

我覺得保費融資是一個非常好的金融產品 I think premium financing is a very good financial product

用剛剛那個例子 Using the example just mentioned

只用28萬一個小成本 with a small cost of 280,000

去買價值500萬的產品 to buy a product worth 5 million

中間還可以賺息差 and also you can earn some interest

真的很絕 It is really amazing

我記得自己一開始看富爸爸與窮爸爸那本書的時候 I remember when I first read the book Rich Dad, Poor Dad

裏面提到什麼叫資產 it mentioned what assets are

資產就是把現金放進口袋的事物 Assets are things that put cash in your pockets

不斷把現金繳交給別人的事物稱為負債 A liability is something that takes money out of your pocket

大家可以思考一下到底保費融資是否一個好的資產 You can think about whether premium financing is a good asset?

是否適合你，你有沒有興趣 is it suitable for you? are you interested?

如果你想瞭解更多，你可以主動聯絡我們，和我們聊天 if you want to know more, you can contact us and chat with us

我們可以按照你的需要建議一個好的計劃給你 we can suggest a suitable plan to you according to your needs

我們的聯繫方式在下面的description box Our contact information is in the description box below

今天就到此為止 that's it for today

下次見，拜拜 see you next time, bye