Re: [閒聊] 房貸負擔率跟違約率要黃金交叉了嗎?
※ 引述《AJAPPLE (不敢吃屎魯蛇小妹)》之銘言:
: https://myppt.cc/Ts95s
: 如題
: 2023 Q3 房貸負擔率 42.25
: 房貸違約率 0.07
: 台灣房貸違約率一不小心達全球第一
: 有專家跑出來說 "台灣房市與金融爆發危機的機率微乎其微"
: 不過
: 有可能產生黃金交叉嗎?
你知道為什麼負擔率看起來上升
違約率卻下降嗎?
https://i.imgur.com/yjSi7Un.jpeg
因為內政部的房貸負擔率
是以貸款20年,七成來計算
https://i.imgur.com/RidfauA.jpeg
舉例來說,一間1250萬的房子
1.20年期,貸款7成,房貸利率2.185%
每月償還金額:45036
2.30年期,貸款8成,房貸利率2.185%
每月償還金額:37894
3.40年期,貸款8成,房貸利率1.775%,不使用寬限期
每月償還金額:29112
那你覺得這個過時的算法,能反應真實的負擔率嗎?
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※ 編輯: junior020486 (49.216.52.156 臺灣), 04/21/2024 14:32:02
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