首集是以20年本息平均攤提貸款試算
未使用寬限期,
槓桿投資新光人壽美旺福
IRR可達8%
續集採用20年期貸款,五年寬限期:
給我一個支點跟槓桿,我將撬開財富的大門:
IRR 21%的新光人壽美旺福利率變動型終身壽險
IRR更是高達21%
前兩集雖然很多人表達認同
但無奈沒有”無房貸”的房子
最後出現了第三集:
是以2.5%信用貸款
分七年本息平均攤提為例
儲蓄保險王自己也跟遠銀借了
每萬元月付15元利息的信用貸款
看來很多人也滿有興趣的
請加賴: @wvr5039s
傳訊1,即可索取本文的試算表
跟低利信貸聯絡資訊
軍公教的福利還真多,
除了1.6%低利信貸可借
還可以借60萬的急難救助金
利率1.07%
這個算都不用算了吧?
有多少借多少
澳幣已經處在近五年低點
澳幣保單利率又跟美金保單接近
有人要問槓桿投資新光澳富旺
參考鉅亨網貸款試算
貸款100萬,利率2.5%
分七年本息平均攤提
月繳12989 = 年繳15.5868萬
澳富旺的報酬率則參考此篇文章:
| 澳富旺 | 100 | 匯率: | 22.12 |
| 月 | 年 | IRR | 解約金 |
| 36 | 3 | 1.34% | 104.0821 |
| 48 | 4 | 2.21% | 109.1280 |
| 60 | 5 | 2.53% | 113.3059 |
| 72 | 6 | 2.90% | 118.7446 |
| 84 | 7 | 3.03% | 123.2769 |
| 96 | 8 | 3.13% | 127.9826 |
| 108 | 9 | 3.21% | 132.8691 |
| 120 | 10 | 3.27% | 137.9430 |
| 132 | 11 | 3.32% | 143.2114 |
| 144 | 12 | 3.36% | 148.6826 |
| 156 | 13 | 3.40% | 154.3630 |
| 168 | 14 | 3.43% | 160.2610 |
| 180 | 15 | 3.45% | 166.3877 |
| FB: 儲蓄保險王 | 部落格: | SavingKing.com.tw | ||
| 澳富旺 | 100 | 貸款利率: | 2.50% | 虧損匯率 |
| 月 | 年 | 貸款餘額 | 解約金-餘額 | |
| 36 | 3 | 59.2732 | 44.8089 | 22.53 |
| 48 | 4 | 45.0053 | 64.1227 | 21.76 |
| 60 | 5 | 30.3766 | 82.9293 | 21.14 |
| 72 | 6 | 15.3780 | 103.3666 | 20.29 |
| 84 | 7 | 0.0000 | 123.2769 | 19.58 |
| 96 | 8 | 0.0000 | 127.9826 | 18.86 |
| 108 | 9 | 0.0000 | 132.8691 | 18.16 |
| 120 | 10 | 0.0000 | 137.9430 | 17.50 |
| 132 | 11 | 0.0000 | 143.2114 | 16.85 |
| 144 | 12 | 0.0000 | 148.6826 | 16.23 |
| 156 | 13 | 0.0000 | 154.3630 | 15.63 |
| 168 | 14 | 0.0000 | 160.2610 | 15.06 |
| 180 | 15 | 0.0000 | 166.3877 | 14.51 |
最後統整在前,
現金流排列在後:
| 年 | IRR | 總本金 | 總利息 | 總報酬率 |
| 3 | -2.12% | 46.7604 | -1.9515 | -4.17% |
| 4 | 1.13% | 62.3472 | 1.7755 | 2.85% |
| 5 | 2.08% | 77.9340 | 4.9953 | 6.41% |
| 6 | 2.87% | 93.5208 | 9.8458 | 10.53% |
| 7 | 3.05% | 109.1076 | 14.1693 | 12.99% |
| 8 | 3.20% | 109.1076 | 18.8750 | 17.30% |
| 9 | 3.30% | 109.1076 | 23.7615 | 21.78% |
| 10 | 3.37% | 109.1076 | 28.8354 | 26.43% |
| 11 | 3.43% | 109.1076 | 34.1038 | 31.26% |
| 12 | 3.47% | 109.1076 | 39.5750 | 36.27% |
| 13 | 3.51% | 109.1076 | 45.2554 | 41.48% |
| 14 | 3.53% | 109.1076 | 51.1534 | 46.88% |
| 15 | 3.56% | 109.1076 | 57.2801 | 52.50% |
| 0 | -15.5868 | -15.5868 | -15.5868 |
| 1 | -15.5868 | -15.5868 | -15.5868 |
| 2 | -15.5868 | -15.5868 | -15.5868 |
| 3 | 44.8089 | -15.5868 | -15.5868 |
| 4 | 64.1227 | -15.5868 | |
| 5 | 82.9293 | ||
| IRR | -2.12% | 1.13% | 2.08% |
| 年 | 3 | 4 | 5 |
| 總本金 | 46.7604 | 62.3472 | 77.934 |
| 總利息 | -1.9515 | 1.7755 | 4.9953 |
| 總報酬率 | -4.17% | 2.85% | 6.41% |
| 滿n年 | Line: @wvr5039s | ||
| 0 | -15.5868 | -15.5868 | -15.5868 |
| 1 | -15.5868 | -15.5868 | -15.5868 |
| 2 | -15.5868 | -15.5868 | -15.5868 |
| 3 | -15.5868 | -15.5868 | -15.5868 |
| 4 | -15.5868 | -15.5868 | -15.5868 |
| 5 | -15.5868 | -15.5868 | -15.5868 |
| 6 | 103.3666 | -15.5868 | -15.5868 |
| 7 | 123.2769 | 0 | |
| 8 | 127.9826 | ||
| IRR | 2.87% | 3.05% | 3.20% |
| 年 | 6 | 7 | 8 |
| 總本金 | 93.5208 | 109.1076 | 109.1076 |
| 總利息 | 9.8458 | 14.1693 | 18.8750 |
| 總報酬率 | 10.53% | 12.99% | 17.30% |
| 0 | -15.5868 | -15.5868 | -15.5868 | -15.5868 |
| 1 | -15.5868 | -15.5868 | -15.5868 | -15.5868 |
| 2 | -15.5868 | -15.5868 | -15.5868 | -15.5868 |
| 3 | -15.5868 | -15.5868 | -15.5868 | -15.5868 |
| 4 | -15.5868 | -15.5868 | -15.5868 | -15.5868 |
| 5 | -15.5868 | -15.5868 | -15.5868 | -15.5868 |
| 6 | -15.5868 | -15.5868 | -15.5868 | -15.5868 |
| 7 | 0 | 0 | 0 | 0 |
| 8 | 0 | 0 | 0 | 0 |
| 9 | 132.8691 | 0 | 0 | 0 |
| 10 | 137.9430 | 0 | 0 | |
| 11 | 143.2114 | 0 | ||
| 12 | 148.6826 | |||
| IRR | 3.30% | 3.37% | 3.43% | 3.47% |
| 年 | 9 | 10 | 11 | 12 |
| 總本金 | 109.1076 | 109.1076 | 109.1076 | 109.1076 |
| 總利息 | 23.7615 | 28.8354 | 34.1038 | 39.5750 |
| 總報酬率 | 21.78% | 26.43% | 31.26% | 36.27% |
點讚加入儲蓄保險王粉絲團
點此加入賴: @wvr5039s
部落格: SavingKing.com.tw
| 滿n年 | Line: @wvr5039s | ||
| 0 | -15.5868 | -15.5868 | -15.5868 |
| 1 | -15.5868 | -15.5868 | -15.5868 |
| 2 | -15.5868 | -15.5868 | -15.5868 |
| 3 | -15.5868 | -15.5868 | -15.5868 |
| 4 | -15.5868 | -15.5868 | -15.5868 |
| 5 | -15.5868 | -15.5868 | -15.5868 |
| 6 | -15.5868 | -15.5868 | -15.5868 |
| 7 | 0 | 0 | 0 |
| 8 | 0 | 0 | 0 |
| 9 | 0 | 0 | 0 |
| 10 | 0 | 0 | 0 |
| 11 | 0 | 0 | 0 |
| 12 | 0 | 0 | 0 |
| 13 | 154.3630 | 0 | 0 |
| 14 | 160.2610 | 0 | |
| 15 | 166.3877 | ||
| IRR | 3.51% | 3.53% | 3.56% |
| 年 | 13 | 14 | 15 |
| 總本金 | 109.1076 | 109.1076 | 109.1076 |
| 總利息 | 45.2554 | 51.1534 | 57.2801 |
| 總報酬率 | 41.48% | 46.88% | 52.50% |
相關連結:
儲蓄保險王Line: @wvr5039s
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