J
ay‑Z and Beyoncé, whose combined net worth is roughly $3.3 billion, have taken out two mortgages on their $88 million Bel‑Air estate. In April, they secured a new loan of $57.75 million from Morgan Stanley’s Private Bank Group, adding to the $52.8 million they borrowed from Goldman Sachs four years earlier. The new loan carries a 30‑year term with a 5 % fixed rate for the first decade, while the older loan was issued at 3.15 %. Both rates are well below the August 2025 30‑year benchmark of 6.6 %, giving the couple a favorable borrowing environment.

    The total debt of about $110.55 million represents only 3.4 % of their wealth, yet it unlocks significant financial flexibility. By leveraging the equity in their home, the couple can redirect roughly $110 million into other ventures or the S&P 500, which has averaged a 13.66 % annual return over the past decade. This approach aligns with the “Buy, Borrow, Die” strategy: acquire appreciating assets, borrow against them to generate tax‑free cash flow, and pass the assets to heirs—Blue Ivy, Rumi, and Sir—to mitigate long‑term capital gains.

    Beyond tax benefits, borrowing against the Bel‑Air property reduces opportunity costs, allowing the duo to invest in high‑growth opportunities without liquidating their real‑estate holdings. The move demonstrates how even billionaires can use debt strategically to amplify returns while preserving wealth for future generations.