有錢要定存還是先還房貸

10分

31樓

個人積分：10分

文章編號：54596911

我一月借到2%啦,我自已是很滿意啦
不過我銀行定存只有公告的1.38==>新臺幣定存
不知為何大大可以弄到1.88%定存
所以我個人是有多的錢當然先還
反正也沒有什麼投資運,堵博更不用說,因為堵10次,輸的機會大概有12次
沒有負債對我來說,比投資什麼有幾%收益更來的實在
所以依此觀念前進,慢慢累積小小的財富
小弟10年前在中和買的13坪小房子,終於在去年底,長大為20坪的小房子
當然也是在中和啦,二屋距離300公尺,喔忘了說坪數是地坪啦

djkuang

55分

32樓

djkuang

個人積分：55分

文章編號：54597120

誰最不希望你提早還...而且慢慢還。應該是借你錢的人才對，那些精算師比大家都會算，也算到市井小民不太會跑，只有大咖跑了，全民買單。
如果定存利率可以大於房貨利率，我想可以不用工作了，利滾利就好了!

jimmmij

139分

33樓

jimmmij

個人積分：139分

文章編號：54597184

silvermumi wrote:
之前討論的狒狒揚揚有...(恕刪)

你忘了考量最大的變因!!!!!!!

人← 最大的變數!!!

物慾、貪婪、虛榮...再加上錯誤的判斷!!! 造成現金損失...

如果你不是那塊守得住錢的料...

還一還吧!!!

翔仲科技

6221分

34樓

翔仲科技

個人積分：6221分

文章編號：54597442

跟銀行借款是"單利"！

定存雖然也是單利計算，但時間一到，也可以累入至本金當本金計算！所以當借款利率及定存是一樣時，定存加上利息累積成本金(複利)當然會有較佳結果，但實際上銀行基礎就是靠低存高放來賺取利息差額，所以同國幣通常是定存一定低於放款，除非外匯儲蓄...兌換匯率變化也要考慮！

ENJOY HTC SENSE

116分

35樓

ENJOY HTC SENSE

個人積分：116分

文章編號：54598170

一般定額償還試算表 (本試算結果僅供參考)
貸款金額(元)	10,000,000	年利率	1.88%	貸款期間	10 年

定額年金 (本息平均)償還法					定額本金 (本金平均)償還法
期數	還本金額	繳息金額	本息合計	貸款餘額	還本金額	繳息金額	本息合計	貸款餘額
1	75,810	15,667	91,477	9,924,190	83,333	15,667	99,000	9,916,667
2	75,929	15,548	91,477	9,848,261	83,333	15,536	98,869	9,833,334
3	76,048	15,429	91,477	9,772,213	83,333	15,406	98,739	9,750,001
4	76,167	15,310	91,477	9,696,046	83,333	15,275	98,608	9,666,668
5	76,287	15,190	91,477	9,619,759	83,333	15,144	98,477	9,583,335
6	76,406	15,071	91,477	9,543,353	83,333	15,014	98,347	9,500,002
7	76,526	14,951	91,477	9,466,827	83,333	14,883	98,216	9,416,669
8	76,646	14,831	91,477	9,390,181	83,333	14,753	98,086	9,333,336
9	76,766	14,711	91,477	9,313,415	83,333	14,622	97,955	9,250,003
10	76,886	14,591	91,477	9,236,529	83,333	14,492	97,825	9,166,670
11	77,006	14,471	91,477	9,159,523	83,333	14,361	97,694	9,083,337
12	77,127	14,350	91,477	9,082,396	83,333	14,231	97,564	9,000,004
13	77,248	14,229	91,477	9,005,148	83,333	14,100	97,433	8,916,671
14	77,369	14,108	91,477	8,927,779	83,333	13,969	97,302	8,833,338
15	77,490	13,987	91,477	8,850,289	83,333	13,839	97,172	8,750,005
16	77,612	13,865	91,477	8,772,677	83,333	13,708	97,041	8,666,672
17	77,733	13,744	91,477	8,694,944	83,333	13,578	96,911	8,583,339
18	77,855	13,622	91,477	8,617,089	83,333	13,447	96,780	8,500,006
19	77,977	13,500	91,477	8,539,112	83,333	13,317	96,650	8,416,673
20	78,099	13,378	91,477	8,461,013	83,333	13,186	96,519	8,333,340
21	78,221	13,256	91,477	8,382,792	83,333	13,056	96,389	8,250,007
22	78,344	13,133	91,477	8,304,448	83,333	12,925	96,258	8,166,674
23	78,467	13,010	91,477	8,225,981	83,333	12,794	96,127	8,083,341
24	78,590	12,887	91,477	8,147,391	83,333	12,664	95,997	8,000,008
25	78,713	12,764	91,477	8,068,678	83,333	12,533	95,866	7,916,675
26	78,836	12,641	91,477	7,989,842	83,333	12,403	95,736	7,833,342
27	78,960	12,517	91,477	7,910,882	83,333	12,272	95,605	7,750,009
28	79,083	12,394	91,477	7,831,799	83,333	12,142	95,475	7,666,676
29	79,207	12,270	91,477	7,752,592	83,333	12,011	95,344	7,583,343
30	79,331	12,146	91,477	7,673,261	83,333	11,881	95,214	7,500,010
31	79,456	12,021	91,477	7,593,805	83,333	11,750	95,083	7,416,677
32	79,580	11,897	91,477	7,514,225	83,333	11,619	94,952	7,333,344
33	79,705	11,772	91,477	7,434,520	83,333	11,489	94,822	7,250,011
34	79,830	11,647	91,477	7,354,690	83,333	11,358	94,691	7,166,678
35	79,955	11,522	91,477	7,274,735	83,333	11,228	94,561	7,083,345
36	80,080	11,397	91,477	7,194,655	83,333	11,097	94,430	7,000,012
37	80,205	11,272	91,477	7,114,450	83,333	10,967	94,300	6,916,679
38	80,331	11,146	91,477	7,034,119	83,333	10,836	94,169	6,833,346
39	80,457	11,020	91,477	6,953,662	83,333	10,706	94,039	6,750,013
40	80,583	10,894	91,477	6,873,079	83,333	10,575	93,908	6,666,680
41	80,709	10,768	91,477	6,792,370	83,333	10,444	93,777	6,583,347
42	80,836	10,641	91,477	6,711,534	83,333	10,314	93,647	6,500,014
43	80,962	10,515	91,477	6,630,572	83,333	10,183	93,516	6,416,681
44	81,089	10,388	91,477	6,549,483	83,333	10,053	93,386	6,333,348
45	81,216	10,261	91,477	6,468,267	83,333	9,922	93,255	6,250,015
46	81,343	10,134	91,477	6,386,924	83,333	9,792	93,125	6,166,682
47	81,471	10,006	91,477	6,305,453	83,333	9,661	92,994	6,083,349
48	81,598	9,879	91,477	6,223,855	83,333	9,531	92,864	6,000,016
49	81,726	9,751	91,477	6,142,129	83,333	9,400	92,733	5,916,683
50	81,854	9,623	91,477	6,060,275	83,333	9,269	92,602	5,833,350
51	81,983	9,494	91,477	5,978,292	83,333	9,139	92,472	5,750,017
52	82,111	9,366	91,477	5,896,181	83,333	9,008	92,341	5,666,684
53	82,240	9,237	91,477	5,813,941	83,333	8,878	92,211	5,583,351
54	82,368	9,109	91,477	5,731,573	83,333	8,747	92,080	5,500,018
55	82,498	8,979	91,477	5,649,075	83,333	8,617	91,950	5,416,685
56	82,627	8,850	91,477	5,566,448	83,333	8,486	91,819	5,333,352
57	82,756	8,721	91,477	5,483,692	83,333	8,356	91,689	5,250,019
58	82,886	8,591	91,477	5,400,806	83,333	8,225	91,558	5,166,686
59	83,016	8,461	91,477	5,317,790	83,333	8,094	91,427	5,083,353
60	83,146	8,331	91,477	5,234,644	83,333	7,964	91,297	5,000,020
61	83,276	8,201	91,477	5,151,368	83,333	7,833	91,166	4,916,687
62	83,407	8,070	91,477	5,067,961	83,333	7,703	91,036	4,833,354
63	83,537	7,940	91,477	4,984,424	83,333	7,572	90,905	4,750,021
64	83,668	7,809	91,477	4,900,756	83,333	7,442	90,775	4,666,688
65	83,799	7,678	91,477	4,816,957	83,333	7,311	90,644	4,583,355
66	83,930	7,547	91,477	4,733,027	83,333	7,181	90,514	4,500,022
67	84,062	7,415	91,477	4,648,965	83,333	7,050	90,383	4,416,689
68	84,194	7,283	91,477	4,564,771	83,333	6,919	90,252	4,333,356
69	84,326	7,151	91,477	4,480,445	83,333	6,789	90,122	4,250,023
70	84,458	7,019	91,477	4,395,987	83,333	6,658	89,991	4,166,690
71	84,590	6,887	91,477	4,311,397	83,333	6,528	89,861	4,083,357
72	84,722	6,755	91,477	4,226,675	83,333	6,397	89,730	4,000,024
73	84,855	6,622	91,477	4,141,820	83,333	6,267	89,600	3,916,691
74	84,988	6,489	91,477	4,056,832	83,333	6,136	89,469	3,833,358
75	85,121	6,356	91,477	3,971,711	83,333	6,006	89,339	3,750,025
76	85,255	6,222	91,477	3,886,456	83,333	5,875	89,208	3,666,692
77	85,388	6,089	91,477	3,801,068	83,333	5,744	89,077	3,583,359
78	85,522	5,955	91,477	3,715,546	83,333	5,614	88,947	3,500,026
79	85,656	5,821	91,477	3,629,890	83,333	5,483	88,816	3,416,693
80	85,790	5,687	91,477	3,544,100	83,333	5,353	88,686	3,333,360
81	85,925	5,552	91,477	3,458,175	83,333	5,222	88,555	3,250,027
82	86,059	5,418	91,477	3,372,116	83,333	5,092	88,425	3,166,694
83	86,194	5,283	91,477	3,285,922	83,333	4,961	88,294	3,083,361
84	86,329	5,148	91,477	3,199,593	83,333	4,831	88,164	3,000,028
85	86,464	5,013	91,477	3,113,129	83,333	4,700	88,033	2,916,695
86	86,600	4,877	91,477	3,026,529	83,333	4,569	87,902	2,833,362
87	86,735	4,742	91,477	2,939,794	83,333	4,439	87,772	2,750,029
88	86,871	4,606	91,477	2,852,923	83,333	4,308	87,641	2,666,696
89	87,007	4,470	91,477	2,765,916	83,333	4,178	87,511	2,583,363
90	87,144	4,333	91,477	2,678,772	83,333	4,047	87,380	2,500,030
91	87,280	4,197	91,477	2,591,492	83,333	3,917	87,250	2,416,697
92	87,417	4,060	91,477	2,504,075	83,333	3,786	87,119	2,333,364
93	87,554	3,923	91,477	2,416,521	83,333	3,656	86,989	2,250,031
94	87,691	3,786	91,477	2,328,830	83,333	3,525	86,858	2,166,698
95	87,828	3,649	91,477	2,241,002	83,333	3,394	86,727	2,083,365
96	87,966	3,511	91,477	2,153,036	83,333	3,264	86,597	2,000,032
97	88,104	3,373	91,477	2,064,932	83,333	3,133	86,466	1,916,699
98	88,242	3,235	91,477	1,976,690	83,333	3,003	86,336	1,833,366
99	88,380	3,097	91,477	1,888,310	83,333	2,872	86,205	1,750,033
100	88,519	2,958	91,477	1,799,791	83,333	2,742	86,075	1,666,700
101	88,657	2,820	91,477	1,711,134	83,333	2,611	85,944	1,583,367
102	88,796	2,681	91,477	1,622,338	83,333	2,481	85,814	1,500,034
103	88,935	2,542	91,477	1,533,403	83,333	2,350	85,683	1,416,701
104	89,075	2,402	91,477	1,444,328	83,333	2,219	85,552	1,333,368
105	89,214	2,263	91,477	1,355,114	83,333	2,089	85,422	1,250,035
106	89,354	2,123	91,477	1,265,760	83,333	1,958	85,291	1,166,702
107	89,494	1,983	91,477	1,176,266	83,333	1,828	85,161	1,083,369
108	89,634	1,843	91,477	1,086,632	83,333	1,697	85,030	1,000,036
109	89,775	1,702	91,477	996,857	83,333	1,567	84,900	916,703
110	89,915	1,562	91,477	906,942	83,333	1,436	84,769	833,370
111	90,056	1,421	91,477	816,886	83,333	1,306	84,639	750,037
112	90,197	1,280	91,477	726,689	83,333	1,175	84,508	666,704
113	90,339	1,138	91,477	636,350	83,333	1,045	84,378	583,371
114	90,480	997	91,477	545,870	83,333	914	84,247	500,038
115	90,622	855	91,477	455,248	83,333	783	84,116	416,705
116	90,764	713	91,477	364,484	83,333	653	83,986	333,372
117	90,906	571	91,477	273,578	83,333	522	83,855	250,039
118	91,048	429	91,477	182,530	83,333	392	83,725	166,706
119	91,191	286	91,477	91,339	83,333	261	83,594	83,373
120	91,339	143	91,482	0	83,373	131	83,504	0
合計	10,000,000	977,245	10,977,245		10,000,000	947,835	10,947,835

小呆肥

0分

36樓

小呆肥

個人積分：0分

文章編號：54598255

50022*12*20=12005280
原本要繳的

44803*12*19+1000000=11215084
後來要繳的

12005280-11215084=790196
總結少繳的

790196÷19=41589
每年少繳的

你說每年可少繳62628是怎麼算出來的？

chenyikai

2599分

37樓

chenyikai

個人積分：2599分

文章編號：54598327

silvermumi wrote:
之前討論的狒狒揚揚有...(恕刪)

有想要出國玩樂
就先存著

沒有其他想法
與其存款
還不如還房貸實際

retest168

752分

38樓

retest168

個人積分：752分

文章編號：54598365

silvermumi wrote:
之前討論的狒狒揚揚
有人說房貸利息才1.88%, 才不要先還哩
可是你先還得價值真的只值1.88%嗎?

假設貸款1000萬, 以最常用的本息平均攤還20年來算
用excel PMT函數計算每個月要還50022
如果我一年後先還了100萬
接下來我每個月只要繳44803, 一年少繳62628

如果我把這100萬拿去定存
假設定存利率一樣1.88%好了,以天計息
一年後只能得利息18978

有錢, 不先還嗎...(恕刪)

應該是30年房貸那樓

被蟑螂綁架的豬

97分

39樓

被蟑螂綁架的豬

個人積分：97分

文章編號：54598468

最近也在思考這問題…
家裡房子貸300萬，月繳15064*240=361.5萬=利息61.5萬

有閒錢是不是可先繳，省下利息費
若先繳50萬，是可省掉約10萬的利息嗎？已繳1年半

silvermumi wrote:
之前討論的狒狒揚揚有...(恕刪)

gv9403

89分

40樓

gv9403

個人積分：89分

文章編號：54598899

過年期間看到最有營養的一篇文章

比po買什麼車好,錢怎麼花那種文好太多了!!!!!!!!!!!

有錢要定存還是先還房貸

一般定額償還試算表 (本試算結果僅供參考)

小惡魔新聞台

小惡魔廣編特輯

有錢要定存還是先還房貸

一般定額償還試算表 (本試算結果僅供參考)

小惡魔新聞台

小惡魔廣編特輯

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