[討論] 一台百萬名車,五年要花多少錢已回收
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http://tinyurl.com/crfobx6
這張圖是買一台百萬名車五年的現金流量圖,告訴我們從今天買車到五年後把車子賣掉,
每年需要多少錢。從圖中可以得知,一台車子所需的總花費比原車價還高,即使你五年後
賣掉殘值還有50萬左右。
所以,要準備多少錢才買的起?
簡單的答案是:不同人對於風險承擔狀況不同。
以買一台一百萬的車子為例,有下面幾個狀況
1) 貸款買車,只準備頭期款:100X20%=20。
2) 頭期款+第一年車貸+第一年養車費用:20+28+16=64
3) 現金買車: 100
4) 現金買車+第一年養車費用:100+16=116
5) 五年現金流量淨現值法(NPV):126
請問鄉民們會選那個?
我自己是認為先求不傷身體再講求效果,所以現金流一定不可以有問題
也就是不能因為買車讓自己基本生活品質受到影響
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