May OFW dito sa Taipei na nag-message sa akin at nagtanong kung data daw bang kumuha ng loan para pang-invest. Ang tawag sa pagkuha ng loan at gagamitin ito sa pang-invest ay leveraging.
Alam ko na maraming OFWs ang makaka-relate sa kaniya dahil naglipana at madaling makakuha ng loan kung saan man tayo nagta-trabaho abroad, correct? So, dahil ang sinabi ko ang rule ay dapat ang loan ginagamit for productive purposes, then this might just be a good idea.
So here are my guidelines.
First, you have to make sure that you have higher and consistent returns from the investment compared to the interest that you will pay for the loan. This makes sense because kailangan talagang mas malaki ang kinikita mo sa investment para may pambayad ka sa utang, tama?
I also require that you should at least have three years of experience in the investment that you want to use the loan for. Why? Because I want you to have the necessary knowledge and skills to manage the investment.
Hindi yung baguhan ka pa lang, first time ka pa lang papasok sa investment na yan, ay utang na agad ang gagamitin mo. And lastly, you should be able to match the term of the investment with the term of the loan.
For example, ang pagbabayad mo sa loan ay monthly, so dapat ang investment payout ay kaya din magbigay for the monthly amortization of the loan. That’s the ideal. With these tips, I hope that you would be able to more responsibly use loans for investing.
Ako si Sir Vince, dito sa Taipei, nagsasabing, ang pagyaman, napag-aaralan.
