债务=负担？
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一提到债务，估计大家首先想到的是“负债累累”“债台高筑”等一系列负面的词语，但其实，债务不一定意味着负担，还有可能带来一定的利益，下面一起了解一下：
Good debt is debt that benefits a person or business to carry. Such good debts demonstrate both the creditworthiness and the responsibility of a borrower. They also create a good base to build on in the future. There are many examples of good debt, which stands in contrast to bad debt.
良性债务是指对个人或企业有益的债务，代表借款人具有良好信誉和责任感，能够为未来的发展打造良好的基础。有关良性债务（相对应的是不良债务）的例子有很多。
Good debts are typically those debts that are taken on to acquire an item or investment that only grows in value with time. Examples of this include things like real estate loans, schooling loans, home mortgages, business debt, and passive income investments. Each of these items could provide a significant and real advantage with time. Real estate could increase in value and be resold for profits.
一般来说，就良性债务而言，借债购买的物品或进行的投资能够随着时间的推移增值，比如，房地产贷款、教育贷款、住房抵押贷款、商业债务和被动收入投资。房地产能够增值，通过转售换取差价。
Higher education commonly leads to greater amounts of earnings. Loans on homes are commonly wonderful for building credit and provide properties that serve as excellent collateral. Loans for businesses may result in profits earned from trade and sales. It is important to note that cars and other items are not included in these lists. This is simply because they lose value the moment that they are purchased and driven away.
高等教育通常能够为受教育者带来较高的收益。房屋贷款通常有利于信用构建，提供房屋作抵押。商业贷款可以通过贸易和销售盈利。需要注意的是，汽车等并未包括在内，这是因为汽车一经购买并开走就会贬值。
Bad debts in contrast are those that result in higher interest rates and considerable deprecation of the items purchased with time. Goods that are for short time frame use and bought on credit are commonly considered to be bad debts. Since the item’s life span will only decline with time, and the interest rates are typically high, no benefit is derived from purchasing these things with debt. A great number of such purchases rapidly decline in value, even after one use.
相反，不良债务会导致较高的利息，购买的物品也会随着时间的推移大幅贬值。供短期使用的赊购物品通常被视为不良债务。由于这种物品的使用寿命较短，利率较高，借债购买不会带来收益。大多数会迅速贬值，甚至是只使用过一次。
A significant benefit to good debts lies in the increase in cash flow that they commonly create. Properly structured good debts lead to tax advantages, to the ability to invest in still more assets that can produce cash, and to higher credit scores as well. Good debts that are paid on time furthermore build up a good financial base for the future. Good debts create cash flow, which stands in contrast to bad debts that do not.
良性债务的一个显著优点在于现金流的增加。经适当规划的良性债务可以让债务人享受税收优惠，有能力投资能够产生现金的资产，获得更高的信用评分。此外，按时偿还的良性债务可以为未来的发展奠定良好的财务基础。良性债务可以产生现金流，但是不良债务却不可以。
Investments that produce passive income are among the best good debts. For example, purchasing an apartment building using debt will result in both income revenue and substantial tax deductions. This proves to be good debt, since although you are borrowing money, you are receiving passive income and gaining the ability to depreciate assets that can actually appreciate with time. On top of this, you are allowed to live there while you accrue all of these other benefits.
产生被动收入的投资属于最佳良性债务。比如，贷款购买公寓，会带来收益，享受大量减税。虽然是贷款买房，但是购房人一直在获得被动收入，并且能够对随着时间的推移实际上增值的资产进行折旧，因此属于良性债务。除此之外，不仅可以产生其他所有益处，购房人还可以居住于此。
When considering a good debt, you should make certain that the income that the investment will provide is high enough to make the investment and the accompanying debt worth while. A number of experts offer advice on this. They suggest that not tying up in excess of twenty percent of your overall value in debt is a better practice. Higher debt levels than this can sound off warning bells with banks and other lenders.
就良性债务而言，应确保投资带来的收入足以进行投资，且同时产生债务是值得的。许多专家就此提供了一些建议，比如，资产负债率最好低于百分之二十。若债务水平高于此，银行和其他贷款人应该提高警惕。
来源：Herold Financial Dictionary
