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Super-money: Why everyone wants to be everything in Finance
Capitalmind Podcast
Exploring the Allure of Lending in Finance and High Margins
Lending is attractive due to eternal demand for credit from various individuals and for various purposes, making it a product with unlimited demand. Additionally, the margins in lending are significantly higher compared to other financial services like asset management, with the potential to borrow at a lower rate and lend at a much higher rate, resulting in substantial margins. For example, offering zero-cost EMIs at a 25% return on IRR for the lender due to discounts received. Lenders can sustain a certain level of defaults because of the high margins, enabling them to still make a profit even if a portion of borrowers default.
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