[問題] 有關貸款承作基金
大家好,如果在這 討論不符版規,再麻煩刪除。
最近銀行有在社區推薦產品,主要是找某些持有動產的人以貸款(房貸)搭投資型保單(
標的高配息基金),目的是用配息與房賃利息的差額為收益。
據說這種方案已推很久了,不知道是否有人有聽過或是經驗,謝謝大家!
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感謝大家回覆還有熱心版友私信回我意見
進一步解釋,家人是長輩(75+)非短期要以獲利贖回方式,當然也是擔心投保率,所以
明白投資型保單費用驚人,但是看在理賠保本的部分,就算跌20-30%也可承擔,要穩定配
息為考量;另外基金預計搭配
高配息基金(如安聯收益+聯博高收)作利息收益,部分償還房貸利息(不還本)的
方式。長輩只要穩定領息,以基金利息分配5%,以2%還銀行;500萬一年利差約15萬,平
均月約領息1萬。但是長輩不是很懂這方面,才請我幫忙了解一下這樣方式是不是有什麼
風險,以作評估考量!
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※ 編輯: faylin711 (61.228.164.25), 09/25/2016 08:26:56
※ 編輯: faylin711 (61.228.164.25), 09/25/2016 08:28:31
※ 編輯: faylin711 (61.228.164.25), 09/25/2016 08:35:47
※ 編輯: faylin711 (61.228.164.25), 09/25/2016 08:37:46
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