91. Banks no longer trust the boy who cries wolf.

91. 銀行再也不相信放羊的孩子了

     導向成功的金玉良言 ---  成功秘碼 42條
如何致富？且聽聽看富爸爸富媽媽是怎麼說的。

Do not think that an occasional lie is of no consequence, for a liar caught is always held with contempt and disdain.
「不要心存僥倖，不要以為偶而騙騙人沒有什麼關係，其實你己經被人唾棄了。」

If you plan on borrowing money from the bank, you need to have adequate proof of your income, without which a loan is out of the question.
「只要你借錢，銀行都要看你的收入，如果你沒足夠的收入證明，銀行是不會借錢給你的。」

If you want to get the loan you need, count on showing the bank your tax return in order to prove your income level.
「要獲得銀行肯借錢給你，你要拿出你的報稅單來證明你有多高的收入。」

Having suffered substantial losses from insolvency during the subprime mortgage crisis, the banks have taken drastic measures to improve management efficiency, considerably tightening their loan application review process, making it much harder nowadays to borrow money from the bank.
「銀行在這次次級房貸風暴之後，銀行吃了巨額的倒帳，現在他們開始亡羊補牢，加強了管理，提高了審批標準，所以讓現在的貸款變得比以前困難的許多。」

Nowadays banks only believe in official documents, like your tax return as filed with the IRS, to prove if you can earn as much as you claim.  Without it, the bank will not loan you money.
「銀行現在只相信正式文件 ( 國稅局的報稅單 )，若是你提不出報稅單，來印證你的收入屬實，銀行就不會借錢給你。」

Before applying for a loan, you should make sure you’re earning enough money, and think about how you can prove your income level.  Solid proof of your financial capacity is the key.
「在貸款前，你先要解決收入不夠的問題，如何提高你的收入證明，來證明你是有錢人，這一點非常重要。」

The best way to strengthen your proof of income is to pay your taxes with honesty.
「如何提高你的收入證明，最好的方法就是不逃稅、誠實報稅。」

Many people conceal their income in the attempt to escape taxes.  However, this is an act to be ashamed of.
「許多人都會隱瞞收入，以圖降低負稅，但這種行為是可恥的。」

Don’t worry about paying too much tax; worry about not making enough money
「不要怕多繳稅，只怕你賺的錢 (收入)不夠多。」

You shouldn’t worry about how much you earn, but how you’re earning.
「不怕你賺錢少，只怕你不懂得賺錢的方法。」

To boost your income, you need better education as well as knowledge in investment and money management.
「想要提高收入，你要懂得多唸書，且學會投資與理財。」

Too many have resorted to lying in order to get bank loans, like the boy who cried wolf.  These days the banks no longer believe everything you write down when filling in the forms.  Without valid documentation to prove your claims, all you’ll get from the banks is the cold shoulder.
「貸款人集體說謊說的次數太多了，就像放羊的小孩不再被人信任一樣。現在銀行清醒了，他們不再相信你填寫的資料，除非你提出有利的證明文件，證明你是誠實的，否則你終將會被銀行唾棄的。」

Know the value of honesty, for too much deception will only turn people away from you.
「做人要誠實，騙術行多了，終究會讓人唾棄的。」

Lying to the bank about your income level can bring no good to either party.
「沒有高收入，反而騙銀行你有高收入，這樣做是害人害己的。」
 
To verify one’s honesty, simply check his tax return.  If you are one of those who report lower earnings when paying taxes, while claiming higher income when applying for loans, then you are dishonest.
「考驗一個人是否誠實，看看他的報稅單就可一窺詳情。報稅時盡可能隱藏收入，貸款時盡可能虛報收入，如果你是這種人，你就是不誠實。」

It’s a dangerous game to invest beyond your means, more so if you take on risky investments with money you’ve borrowed.  Similarly zero-down mortgages are no less than acts of suicide.
「超過自己的能力來投資，是非常危險的。用借來的錢，來從事高風險的投資，更是危險。用零頭款來買房子，有如開自殺車，那是非常危險的。」

Those who can promptly pay back what they owe can often borrow again very easily.  The key is knowing if and how you can pay back your loan.
「有借有還，再借不難」這句話是不錯的。但是你拿什麼東西去還債？你有沒有能力去還債？這才是重點。」

In the bank’s evaluation of your ability to pay back your loan, your monthly income level plays a far more important role than your total assets.   Even if you own a large number of properties, without sufficient income to guarantee you can make your monthly payments, it is still next to impossible for you to get a loan from any bank.
「銀行衡量你的還債能力，是看你的工作收入有多少，而不是看你的資產有多少。如果你擁有許多房地產，但是你沒有足夠的收入，來履行你的月付款承諾，你依舊會被銀行拒絕借錢給你的。」

A high income level and the tax returns to prove it: these are the two factors that can persuade a bank to give you the loan you need.
「增加工作收入與誠實報稅，是銀行借錢給你的主因之一。」 

Having good credit is not necessarily a good indicator of your ability to pay back your loans.   Your ability to repay your debt depends on your income level.
「信用好，不表示你的償債能力強，償債能力還是要依賴你的高收入。」

There are typically three causes of low income: slacking off, lacking in motivation, or sometimes just generally ill-advised on how to make money.
「收入低，只有三個原因： 1. 偷懶   2. 不肯上進   3. 沒找到賺錢的方法。」

Honest hard work is the path to higher income.  Money is not worth breaking the law for.
「增加收入要靠自己的努力，絕不可因為要增加自己的收入而去做壞事。」

A good credit score always leads to lower interest rates.
「要保持良好的信用分數，你才能得到好的利息。」

A man without good credit can rarely succeed, in small tasks and big ventures alike.
「沒有良好的信用，大事不成，小事也行不通。」

Don’t be jealous if someone else gets lower interest rates than you.  Evaluate your own credit history first.
「不要羨慕別人的利息比你低，要檢討自己有沒有保持好的信用分數。」

When applying for a loan, your credit record and your income level are equally important.  Bad credit means you’re not trustworthy, while insufficient income implies you may not be able to pay back what you owe.
「貸款人的收入與信用同等重要，信用不好，代表你不誠實。收入不夠，代表你無法履行償債義務。」

Taking out a zero-down loan means you’re biting off more than you can chew.  Bad credit means you’re not trustworthy.  Insufficient income means you may be engaging in fraud.  Past-due bills means you’re over-spending.  And those who have no intention of paying back their debt are failures in life.
「沒有頭期款，代表你打腫臉充胖子。沒有信用，代表你不誠實。沒有足夠收入，代表你可能詐財。沒有準時付帳單，表示你開支過度。沒有要還錢的打算，代表你做人失敗。」

Before borrowing money, you need to evaluate your ability to pay it back.  If you can’t, don’t bite off more than you can chew.
「借錢以前，一定要先衡量自己的償債能力，如果沒有足夠的償債能力，最好不要打腫臉充胖子。」

Honesty and credibility are basic virtues to live by.  Never deceive others or lie to yourself, and that is the path to success.
「誠實、講信用為做人的根本。不自欺、不欺人，為成功之道！。」

You can’t make it big without money, and you can’t get the loans you need without good credit.
「沒有錢不能做大事。沒有信用就不能借到錢。」

Make sure you are pre-approved for a bank loan before setting out to find your dream house.
「想順利的買到房子，你該先去辦妥貸款預審批淮信，再去看房子。」

Don’t try to make money by cheating others, or the bank, and certainly not by lying to the IRS.
 「不要使用詐術，去騙別人的錢財，也不可騙銀行、騙國稅局。」

Conspiring to default on your loan, intentionally causing great losses to the debtor (the bank), is truly a despicable act.
「如果借錢之前，你就己經設計好一項陰謀，要讓債權人 ( 銀行 ) 吃倒帳，這種人最可惡。」

Those who actually plan on not paying back loans, intending on taking advantage of others, rank among the most despicable liars.
「存心想賴債，不準備還錢，存心想要佔別人便宜的人，這種人最可惡。」

Helping out a friend in need is a decent thing to do, but you should also be vigilant of those who may use your kindness to defraud you.
 「幫助朋友渡過難關是件好事，但你也要防止別人利用了你的善心與仁慈，去詐騙你。」

Engaging in fraud and deceit to get money that doesn’t belong to you is one of the greatest sins one may commit.
「不可以不誠實，更不可以去詐財，貪念別人的錢財，是一種罪大惡極的罪。」

Work hard, pay your taxes, and live with integrity—these are the duties and responsibilities we should all carry.
「努力賺錢，誠實報稅，誠信做人，是我們的責任與義務。」

Banks need to stay constantly alert and increase their risk awareness to avoid suffering losses from loan defaults.  Investors should know their limits, and refrain from investing on impulse, for fear of losing everything for nothing.
「銀行要提高警覺，增加危險意識，避免吃到倒帳。投資人要量力而為，不要盲目投資，避免血本無歸。」

When you want a loan, a good credit and high income will guarantee you a warm welcome at any bank.
「只要信用好，收入高又穩，你走進任何銀行辦理貸款，一定是倍受歡迎的。」

When the bank turns down your loan application, treat it as an opportunity to reflect.  Setbacks such as this always serve to humble you, and to prepare your mind to learn more.
「如果您的貸款申請被銀行拒絕也不要因此灰心，因為這是一個很好的反省機會，因為有了挫折，你才能夠重新再謙卑學習。」

Learning to manage your finances and getting yourself out of poverty is everyone’s social duty.
「學會投資理財，學習脫離貧窮，這是每一個人的社會責任。」