Fw: [請益] 貸款年限觀念
※ [本文轉錄自 Loan 看板 #1M-WyTm9 ]
作者: meteor007 (meteor007) 看板: Loan
標題: [請益] 貸款年限觀念
時間: Tue Mar 29 13:14:01 2016
不確定我的觀念是否正確,想請問大家
假設有一筆一樣額度的貸款金額,
但是兩個年限,30年跟20年
年限久當然利息錢就高
但是如果我不想花太多利息錢,所以想把年限縮短成20年,甚至10年
當然為了省利息錢,我每個月的負擔就比較大
到這裡我想是大家都知道的觀念,
但是我疑惑的是..就理財的角度而言,因為銀行賺的是利息錢
所以是不是可以這樣說,只要我會理財,我的報酬率高於目前的房貸利率
基本上我應該儘可能的拉長年限,把錢拿去投資
相反的,若是不會理財的人,就應該儘可能多還點(年限降低),省下利息錢
我目前的實例是:有一筆約兩百萬的房貸,每個月繳一萬初(30年),
但是其中有1/4都是繳利息,現在經濟能力變好了,在思考縮短年限的必要性
還是說,我就不縮短,每個月多繳一點就可以?
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※ 文章網址: https://www.ptt.cc/bbs/Loan/M.1459228445.A.C09.html
※ 發信站: 批踢踢實業坊(ptt.cc)
※ 轉錄者: meteor007 (60.248.81.43), 03/29/2016 13:18:09
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