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Topic: Banks have money but they don't cooperate - page 2. (Read 617 times)

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To get a loan from a bank, the presence of any property such as a land fixed deposit or financial collateral is required. Because the bank will give its loan in such a place that it is sure to collect or recover its money. If the transactions in the bank are not good then they investigate everything very carefully and if the guarantor is not able to pay the bank will not give the loan. And to the bank the value of money is more than the knowledge of customers.

A bank is an institution, even if there is a lot of money in the bank, it is not the bank's own money, all the money belongs to the common people, because of which the bank cannot always use that money for any purpose even if it wants to. Banks only store people's money.
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To get a loan from a bank, the presence of any property such as a land fixed deposit or financial collateral is required. Because the bank will give its loan in such a place that it is sure to collect or recover its money. If the transactions in the bank are not good then they investigate everything very carefully and if the guarantor is not able to pay the bank will not give the loan. And to the bank the value of money is more than the knowledge of customers.
Banks make money by providing loans to customers who need money to open a business or to customers who are already running a business in their lives. This means that banks do not carelessly lend money to anyone if that person does not have the conditions desired by the bank. So those who want to borrow money from the bank actually have to be aware of this so that they don't experience complicated problems in the end when the loan payment bill is not covered on time by the customer who lent it.
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They will not cooperate with such thing because they don't know how they will be able to take advantage of your friend and they really don't loan individuals that don't have anything to show for it, in short, banks look down on you when you don't have the money and that you don't matter to them. Maybe what your friend should've done was created some fake company or build a small start up that focuses on investments, and then your friend can now consider asking those banks for loans and then it wouldn't be that difficult for the bank to grant those loans. It's a matter of wrong steps that made your friend get rejected by the bank in the first place but the more difficult step will come though, your friend has to tell the bank the truth, otherwise your friend might have some issues because you were supposed to spend it on this but then you spent it on investing in bitcoin? That's going to be considered as misappropriation of funds.
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First off, the bank has no business letting everyone who asks out a loan from them in.
If they did let everyone borrow money from them, they will be in debt. Not everyone with good ideas gets to be successful with it. The banks need to pick their battles wisely. They need to make profit too after all.

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They don't cooperate because they don't want to. Quit crying about it and find other ways, besides, why invest money you can't afford to lose in the first place?
Spending money your hand has not touched is probably the most dangerous thing you can do. If you keep thinking you have money without actually having one and spending it, you will soon find yourself broke and in debt.
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The problem is many people don't have resources to use their knowledge for make money from money but banks not cooperate yes they ask questions like they genuinly interested about idea like asking what's your background and how did you find out all that info and so but still refuse even If they can see person really knows about it we have nowdays even the smart guys without any education who could out perfomance all those educated people with degree so can anyone explain why is that they don't like people with real knowledge how to find info and how to make money ?

They actually want you to do your business, make your money and success but they are very much interested in their money too. They look at various aspects of your background and evaluate your collateral before they can agree to offer you a loan to exterblish your business or go into any investment you wanted to start. You can not just go to the bank, explain your self to them and tell them some stories about your investment knowledge and you expect them to immediately offer you the capital you want. It doesn't work like that. You must have a collateral to back up your loan.
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To get a loan from a bank, the presence of any property such as a land fixed deposit or financial collateral is required. Because the bank will give its loan in such a place that it is sure to collect or recover its money. If the transactions in the bank are not good then they investigate everything very carefully and if the guarantor is not able to pay the bank will not give the loan. And to the bank the value of money is more than the knowledge of customers.
sr. member
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Bank does not have money the money they have is money you and I is banking to their bank or serving to their bank so that does not mean that bankers or owner of Banks they have money they don't have money because they use our money to do business so the benefit from the percentage of our money they used to trade if you want to verify you come as your personal bank manager to brief you what they use our money to do and the kind of transaction they do.
They are using our money to continue their business and they don’t want to give us the freedom and that’s why they are against crypto so better not to expose that you are into crypto because they might freeze your fund and forcing you prove the legitimacy of your sources. Well, banks will always play safe here and will always encourage the government to do a strict policy that will in favor them, they have the influence to the governments.
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So Banks and financial instutions are evil they don't want to cooperate with even with people who knows how make money from money it's like they don't want make money from money why we need them If they don't work with us?
If the banks was gona give money everybody winner here banks make their money and my friend was gona make money and profit and my friend will be financially Free and with that knowledge Will only make money from money.......
In fact, if banks allow this so easily, that would be strange. Banks have regulations, so whatever you want to get a loan must comply with the regulations. No need to go all the way to gold and BTC. Imagine if suddenly you went to the bank, without any capital, then told the bank, you want to borrow that much money, to buy land and property. Even though this is a more visible and visible investment.

But will the bank easily provide it? of course not. Because there will definitely be many considerations to minimize the risks. If banks do it easily, they are actually acting carelessly and it is dangerous for the bank, and also for the country. I wonder if more and more people want it too and if in the end they can't return it, it's the end. You know, even banks must have money to continue cycling. So the banks will continue to operate.

Unless your friend has collateral that matches the amount your friend needs, they will probably have little hope of granting it, and even then it will be a fairly complicated process.
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Quote from: Riginac111
Bank does not have money the money they have is money you and I is banking to their bank or serving to their bank so that does not mean that bankers or owner of Banks they have money they don't have money because they use our money to do business so the benefit from the percentage of our money they used to trade if you want to verify you come as your personal bank manager to brief you what they use our money to do and the kind of transaction they do.
They make profit from those money they are hodling from people, which is their source of income and whenever a customer is no longer satisfied with their services, it will be a worry to the bankers because they know that they are going to lose something from that particular customer.

I have experienced shortage of cash in the bank some years ago, for their manager to tell their customers amount of money they are going to give their customers to withdraw, reason that they don't have much cash to supply all their customers, which it will be difficult for crypto or gold users to experience such thing.

And the law of the land is backing them up, when they use your money to do other business which is not bring profits, and they will tell their customers to bear with them with the issue of withdrawal that is affecting the bank which their customers must obey.


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Bank does not have money the money they have is money you and I is banking to their bank or serving to their bank so that does not mean that bankers or owner of Banks they have money they don't have money because they use our money to do business so the benefit from the percentage of our money they used to trade if you want to verify you come as your personal bank manager to brief you what they use our money to do and the kind of transaction they do.
sr. member
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Friend of mine knew that btc and gold gona go high.
So one year Ago he called Banks Even to asian bank to ask money invest on markets he also told them he will do it smart Will do DCA....in gold and btc.
The Banks was asking his knowledge and reason for money still did not give.
So my friend told them look guys i know good info If i know that gold and btc will go then you guys should know it too it's a win:win you give money and i invest exacly on right time Banks was talking some bs reasons.
So Banks and financial instutions are evil they don't want to cooperate with even with people who knows how make money from money it's like they don't want make money from money why we need them If they don't work with us?
If the banks was gona give money everybody winner here banks make their money and my friend was gona make money and profit and my friend will be financially Free and with that knowledge Will only make money from money.
And funny thing is my another friend who did apply for Job on hedge funds he predicted everything to them and showed Even where he got inside info and told them he knows how to make a lot money from money not even those guys who got degree will make that much money and they refused.....like wtf??? Are the banks and financial instutions here for money or not ? Instead of real knowledge how to make profit and money of money they hire someone with degree who has no clue even how the real money Made and no experince just degree and vision what to do and what's the moves how to make money from money....so why waste time and ask on the first place what IS the purpose of loan and vision If they don't give money anyways why so evil ? If someone who knows a lot Will put the facts and info front of their eyes and they still don't give money ?
I mean a lot people can escape slave life 9-5 Job If banks could give them money to double triple it's win win they get back all the money and profit and they can see If person whos asking money or job knows really things but they still refuse
So Im asking what's the bankers and financial instutions real agenda because it doesn't seems like they want to make money together self learned very smart and experinced people yet they ask questions like purpose of loan and idea for what ....yet they see all the info and even exacly timing of Market prices front of their eyes and they still refuse wtf Huh
Im against to them If someone knows same things like they put front of them and without School education or degree and very smart with smart ways to find about whales and activities of big financial instutions and banks still don't give funds Huh Like wtf?

The problem is many people don't have resources to use their knowledge for make money from money but banks not cooperate yes they ask questions like they genuinly interested about idea like asking what's your background and how did you find out all that info and so but still refuse even If they can see person really knows about it we have nowdays even the smart guys without any education who could out perfomance all those educated people with degree so can anyone explain why is that they don't like people with real knowledge how to find info and how to make money ?

In my opinion . It's not that banks are inherently unwilling to cooperate with individuals like your friend. However, they are cautious about investing with those claiming market-beating knowledge due to several factors. Primarily, they prioritize risk management and must adhere to strict regulations, limiting their exposure to volatile assets like Bitcoin and gold. Thorough due diligence is necessary to verify information and assess track records before lending large sums. Additionally, banks often have their own investment strategies and research departments, potentially conflicting with the individual's views. They may also have access to more comprehensive data and analysis, leading to a different market perspective. Ultimately, banks prioritize long-term financial stability and prefer experienced professionals with proven track records, making it challenging for individuals without formal qualifications to gain their trust. CMIIW
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It is natural that there will be a large amount of money in the bank but that money will not be given to help him. If there is money in the bank, more than one evidence is needed for borrowing that money, and in some cases, the documents of the house are submitted along with the collateral, and then the money is taken from the bank. In this case, in my country 20 percent people can take money loan from the bank, the remaining eighty percent people cannot take money from the bank only because of lack of evidence.
If we examine the essence of things like that, it is that the banks do not want to experience losses or difficulties in collecting the money they have lent to any party. So the bank itself really looks more at what evidence of assets you can give to the bank as collateral that they can hold and that is also what they can confiscate when the borrower doesn't want to pay the loan anymore or runs away without paying off the loan. So for anyone who is unable to repay a large amount of money in the time specified by the bank, it would be a good idea to avoid taking out a loan from the bank by placing any collateral.
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i laughed reading your thread, who are you to call the bank and say that you can get money through investment if they give you capital? even if it was me who picked up the phone, i would say that "just get a life, don't bother me" because it is very unreasonable when you ask the bank to capitalize you for investment when you come to them by calling them. even when you have a business and the business already has a steady income, the bank can still refuse your request for a loan from them, especially just claims like this.

so don't ever say that banks are not cooperative with people, because they are not your parents who can ask for money at any time when you need it.
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It is natural that there will be a large amount of money in the bank but that money will not be given to help him. If there is money in the bank, more than one evidence is needed for borrowing that money, and in some cases, the documents of the house are submitted along with the collateral, and then the money is taken from the bank. In this case, in my country 20 percent people can take money loan from the bank, the remaining eighty percent people cannot take money from the bank only because of lack of evidence.
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The owners of the bank or its management are actually insurance companies, even though we know that the money they lend is not really their money but the money of their clients who have just trusted them. Then they will put a very high interest on it, and then the interest given to their clients is very low.

That's how the bank works—how they make money. Then they will ask for collateral when they lend money, and if they don't pay, the assets will go to them without their clients having any part in what the bank did. In short, what the banks do is purely based on my opinion.
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Friend of mine knew that btc and gold gona go high.
So one year Ago he called Banks Even to asian bank to ask money invest on markets he also told them he will do it smart Will do DCA....in gold and btc.
The Banks was asking his knowledge and reason for money still did not give.
So my friend told them look guys i know good info If i know that gold and btc will go then you guys should know it too it's a win:win you give money and i invest exacly on right time Banks was talking some bs reasons.
So Banks and financial instutions are evil they don't want to cooperate with even with people who knows how make money from money it's like they don't want make money from money why we need them If they don't work with us?
If the banks was gona give money everybody winner here banks make their money and my friend was gona make money and profit and my friend will be financially Free and with that knowledge Will only make money from money.
And funny thing is my another friend who did apply for Job on hedge funds he predicted everything to them and showed Even where he got inside info and told them he knows how to make a lot money from money not even those guys who got degree will make that much money and they refused.....like wtf??? Are the banks and financial instutions here for money or not ? Instead of real knowledge how to make profit and money of money they hire someone with degree who has no clue even how the real money Made and no experince just degree and vision what to do and what's the moves how to make money from money....so why waste time and ask on the first place what IS the purpose of loan and vision If they don't give money anyways why so evil ? If someone who knows a lot Will put the facts and info front of their eyes and they still don't give money ?
I mean a lot people can escape slave life 9-5 Job If banks could give them money to double triple it's win win they get back all the money and profit and they can see If person whos asking money or job knows really things but they still refuse
So Im asking what's the bankers and financial instutions real agenda because it doesn't seems like they want to make money together self learned very smart and experinced people yet they ask questions like purpose of loan and idea for what ....yet they see all the info and even exacly timing of Market prices front of their eyes and they still refuse wtf Huh
Im against to them If someone knows same things like they put front of them and without School education or degree and very smart with smart ways to find about whales and activities of big financial instutions and banks still don't give funds Huh Like wtf?

The problem is many people don't have resources to use their knowledge for make money from money but banks not cooperate yes they ask questions like they genuinly interested about idea like asking what's your background and how did you find out all that info and so but still refuse even If they can see person really knows about it we have nowdays even the smart guys without any education who could out perfomance all those educated people with degree so can anyone explain why is that they don't like people with real knowledge how to find info and how to make money ?

Your friend didn't know anything out of the obvious, in a high interest rate environment gold was bound to go up and BTC had a high chance of reacting similarly. Banks don't owe you shit, they are money generating businesses that are trying to earn a profit for their owners - the shareholders - and not give charity to the average person on the street who would happily pour money away on useless trash. They are not going to cooperate with idiots, if you are one, because they actually understand that money is hard to earn and easy to spend.
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Well what you just did is stupid to the highest of degree, of course they're not going to participate in your stupid investment idea, there's definitely money in that idea but from the looks of how you presented yourself, you're never going to make it anyway, you should know by now that banks don't just give out loans especially for Beavis and Butt-Head, that's going to be an automatic NO! for them. You would've gotten away with asking your friend groups for money but with how stupid you've done this one, it's probably a no go for you to do that one too, honestly OP, you just made me laugh so hard.
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If you feel the bank is cheating you and taking your money... never do business with them, stay away from them under any circumstances. The bank has never put a knife to your throat and forced you to borrow money from them or forced you to deposit money in the bank. If you feel like you don't fit within the rules they set, don't participate in their game. And if there is no one to help you when you are in trouble and need to go to the bank, then you need to accept the game they create.

I don't understand why we always try to badmouth and blame banks when we can choose to stay away and ignore them. Like fiat money, if it's bad, it makes you poorer and poorer, you just need to stay away from them and choose things that you think can make you rich.
Yeah obviously bro
I agree with you. The reality is that we need banks and their services on a lot of occasions but we just are hesitant to accept this fact and we try to show that we hate them and their services, and even if someone hates their services and policies, they don't have a choice because even if cryptocurrencies have given hope to a lot of people, they are not yet usable everything and for everything and you can't get the same services from cryptocurrencies as of now.

It's better if we accept that we all use banks in our daily lives because we are compelled to do that, we need cash to survive because cryptocurrencies aren't accepted everywhere and they aren't even legal or have any clear law in every country of the world, so people need to have some way for them to manage their funds safely and banks are the ones we can think of when it comes to this.
sr. member
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You have no idea how banks works. All Comercial banks don't work alone, for them to continue to survive and work efficiently, the have to obey any monetary policy set aside by central bank, there is MPR standard for different countries, there is liquidity that must remain within the banks and with the central bank and there is also insurance every bank must covered and must never pass a particular threshold, this is why you see interest rate vary because of liquidity control.

Even if a bank says it's iliquid, it doesn't mean that the bank doesn't have money but because they reach the minimum level they have to give out money, they have to make sure there is enough money above the threshold before they can continue operations so they don't later run into any problems.

So, all those talk are just to discourage people from having access to money. Next time OP, make your post simple and straightforward.
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i feel the OP or "friend" has no clue about trading or investing or banking and feels angry that banks dont just hand out free money as thats what the story really sounds like.. the op/friend believes that banks can and should hand out money for free without objection


Well said! While. I won't just rush into concluding that they are only trolling with the thread, I will also want OP to clarify more about the story he just narrated because, like you said, its either they wanted the banks to hand over some cash to them with a little knowledge on what trading or investment means, or they never went in the first place but decided to imagine a scenario and make a story out of it. Whichever ways, things don't go like that and banks don't just operate loosely as they must have lost a lot of money to people like OP's friend who may come with weird ideas or requests from the bank and expect results.
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