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In situations where you urgently need money, there are ways to leverage your existing assets, aside from borrowing. Liquidating your assets or using them as collateral can help reduce unnecessary interest burdens.
First, you may consider canceling your savings account early. While a premature cancellation interest rate lower than the agreed-upon interest rate applies if you cancel before maturity, it can be an option if you need emergency funds. However, a savings account-backed loan allows you to secure funds without having to close the account. Loans of up to 90% of the deposit are available, and the interest rate is low, with only a small premium added to the deposit interest rate.
Insurance contract loans are also a good option. If you have life insurance or savings insurance, you can borrow up to a certain percentage of the surrender value. This allows you to secure funds while maintaining your insurance contract, and the interest rates are relatively low.
If you hold financial assets such as stocks or funds, you may want to consider selling them. However, losses can occur during unfavorable market conditions, so careful consideration is required. By utilizing stock-backed loans from securities firms, you can secure funds without having to sell your stock holdings.
If you own valuable items like precious metals, luxury goods, or antiques, you can convert them into cash through a professional buyer or auction. If you sell them in a hurry, they may fetch below market value, so it's a good idea to compare multiple sites.
If you own a car, you can also apply for a car loan. There are also products that allow you to borrow money while continuing to use your vehicle. It's important to accurately assess your assets and choose the method that will minimize your losses. Emergency loans