[請益] 這樣定存會比貸款利息多嗎?
小妹不才
前些日子借了一筆三百萬的貸款,最近有一筆閒錢想要還款
當初借款利息約1.6%左右,貸款年限:20年。
試算約每月需還14476元。
如此推算20年到期要還14476*12個月*20年=3474240元
等於利息約474240元
假設我把這三百萬的金額都存入定期儲蓄
以台銀來舉例:
定期儲蓄存款一年 ~ 未滿二年機動利率1.230%
3000000*1.230%=年利息36900元
假設持續定存20年
36900元*20年=738000元
這樣算起來好像來倒賺263760元.....
小妹不是讀財金的...不知道這樣算到底正不正確...
如果正確,那是不是不要提前還比較好.....還忘大大們指點><
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