手機下載”貸款計算機” APP即可試算
貸款金額: 1000000 (一百萬)
貸款期數: 240期 (20年)
貸款利率: 1.7
本息平均攤提月繳4917.98
*12個月
相當於年繳 5.9016萬
APP也會顯示每一期的貸款餘額
以下為儲蓄保險王同事
自己投資策略的思考邏輯
很可怕!不要問!不解釋!
任何想要跟隨此策略的投資人
均須自行負擔風險
儲蓄保險王不做任何背書
| 本金: | 100 | 匯率: | 29.5 | 貸款利率: | 1.70% | 虧損 匯率 |
| 月 | 年 | IRR | 解約金 | 貸款餘額 | 解約金-餘額 | |
| 36 | 3 | 1.83% | 105.5911 | 87.0777 | 18.5134 | 29.27 |
| 48 | 4 | 2.57% | 110.6831 | 82.6218 | 28.0613 | 28.31 |
| 60 | 5 | 2.83% | 114.9739 | 78.0896 | 36.8843 | 27.61 |
| 72 | 6 | 3.14% | 120.3823 | 73.4798 | 46.9025 | 26.68 |
| 84 | 7 | 3.24% | 125.0075 | 68.7909 | 56.2166 | 25.98 |
| 96 | 8 | 3.31% | 129.7594 | 64.0218 | 65.7376 | 25.29 |
| 108 | 9 | 3.37% | 134.7568 | 59.1709 | 75.5859 | 24.58 |
| 120 | 10 | 3.42% | 139.9733 | 54.2369 | 85.7364 | 23.87 |
| 132 | 11 | 3.46% | 145.3775 | 49.2183 | 96.1592 | 23.16 |
| 144 | 12 | 3.49% | 150.9318 | 44.1138 | 106.8180 | 22.46 |
| 156 | 13 | 3.51% | 156.5922 | 38.9218 | 117.6704 | 21.79 |
| 168 | 14 | 3.54% | 162.7475 | 33.6409 | 129.1066 | 21.07 |
| 180 | 15 | 3.56% | 168.9976 | 28.2695 | 140.7281 | 20.39 |
| FB: | 儲蓄保險王.正義真話侠 | ||
| 0 | -5.9016 | -5.9016 | -5.9016 |
| 1 | -5.9016 | -5.9016 | -5.9016 |
| 2 | -5.9016 | -5.9016 | -5.9016 |
| 3 | 18.5134 | -5.9016 | -5.9016 |
| 4 | 28.0613 | -5.9016 | |
| 5 | 36.8843 | ||
| IRR | 2.25% | 7.04% | 7.53% |
| 年 | 3 | 4 | 5 |
| 總本金 | 17.7047 | 23.6063 | 29.5079 |
| 利息 | 0.8087 | 4.4550 | 7.3764 |
| 總報酬率 | 4.57% | 18.87% | 25.00% |
| 虧損匯率 | 28.15 | 23.93 | 22.13 |
| FB: | 儲蓄保險王.正義真話侠 | Line: | @wvr5039s | ||
| 0 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 1 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 2 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 3 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 4 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 5 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 6 | 46.9025 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 7 | 56.2166 | -5.9016 | -5.9016 | -5.9016 | |
| 8 | 65.7376 | -5.9016 | -5.9016 | ||
| 9 | 75.5859 | -5.9016 | |||
| 10 | 85.7364 | ||||
| IRR | 8.09% | 7.71% | 7.32% | 6.99% | 6.69% |
| 年 | 6 | 7 | 8 | 9 | 10 |
| 總本金 | 35.4095 | 41.3110 | 47.2126 | 53.1142 | 59.0158 |
| 利息 | 11.4931 | 14.9055 | 18.5250 | 22.4717 | 26.7207 |
| 總報酬率 | 32.46% | 36.08% | 39.24% | 42.31% | 45.28% |
| 虧損匯率 | 19.92 | 18.86 | 17.92 | 17.02 | 16.14 |
| FB: | 儲蓄保險王.正義真話侠 | Line: | @wvr5039s | ||
| 0 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 1 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 2 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 3 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 4 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 5 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 6 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 7 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 8 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 9 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 10 | -5.9016 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 11 | 96.1592 | -5.9016 | -5.9016 | -5.9016 | -5.9016 |
| 12 | 106.8180 | -5.9016 | -5.9016 | -5.9016 | |
| 13 | 117.6704 | -5.9016 | -5.9016 | ||
| 14 | 129.1066 | -5.9016 | |||
| 15 | 140.7281 | ||||
| IRR | 6.42% | 6.18% | 5.95% | 5.77% | 5.60% |
| 年 | 11 | 12 | 13 | 14 | 15 |
| 總本金 | 64.9173 | 70.8189 | 76.7205 | 82.6221 | 88.5236 |
| 利息 | 31.2419 | 35.9991 | 40.9499 | 46.4845 | 52.2045 |
| 總報酬率 | 48.13% | 50.83% | 53.38% | 56.26% | 58.97% |
| 虧損匯率 | 15.30 | 14.50 | 13.75 | 12.90 | 12.10 |
相關連結:
儲蓄保險王Line: @wvr5039s
假如前兩年有寬限期的話，報酬率又要更高了
沒錯!使用寬限期的話,IRR會更高
沒錯!使用寬限期的話,IRR會更高