前傳是以本息平均攤提貸款試算
未使用寬限期,
文中的IRR是停售的新光美富旺
本篇採用五年寬限期
IRR為新光人壽美旺福的資料
(0.3%折扣,3.5萬美金以上~105萬台幣)
美旺福有提高過宣告利率，
該文資料略為低估美旺福的IRR
貸款: 100萬
貸款利率: 1.7%
貸款期限: 20年
寬限期: 5年
(彰銀,高雄銀,農業金庫,瑞興銀)
前五年,月繳1417
相當於年繳1.7004萬
五年寬限期過後,
月繳6298
相當於年繳7.5576萬
並有貸款餘額可參考
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
| FB: 儲蓄保險王.正義真話俠 | Line: @wvr5039s FB: 儲蓄保險王 | |||||
| 本金: | 100 | 匯率: | 30.7 | 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 | 1.88% | 105.7467 | 100 | 5.7467 | 30.51 |
| 48 | 4 | 2.64% | 110.9856 | 100 | 10.9856 | 29.54 |
| 60 | 5 | 2.91% | 115.4218 | 100 | 15.4218 | 28.86 |
| 72 | 6 | 3.24% | 121.0843 | 93.3328 | 27.7515 | 27.74 |
| 84 | 7 | 3.34% | 125.8575 | 86.6656 | 39.1919 | 26.90 |
| 96 | 8 | 3.42% | 130.8688 | 79.9984 | 50.8704 | 26.08 |
| 108 | 9 | 3.48% | 136.0529 | 73.3312 | 62.7217 | 25.29 |
| 120 | 10 | 3.52% | 141.3327 | 66.664 | 74.6687 | 24.54 |
| 132 | 11 | 3.56% | 146.9307 | 59.9968 | 86.9339 | 23.79 |
| 144 | 12 | 3.60% | 152.8682 | 53.3296 | 99.5386 | 23.04 |
| 156 | 13 | 3.62% | 158.7693 | 46.6624 | 112.1069 | 22.36 |
| 168 | 14 | 3.65% | 165.1849 | 39.996 | 125.1889 | 21.65 |
| 180 | 15 | 3.67% | 171.7104 | 33.33 | 138.3804 | 20.99 |
| FB: 儲蓄保險王.正義真話俠 Line: @wvr5039s | ||||
| 0 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 1 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 2 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 3 | 5.7467 | -1.7004 | -1.7004 | -1.7004 |
| 4 | 10.9856 | -1.7004 | -1.7004 | |
| 5 | 15.4218 | -7.5576 | ||
| 6 | 27.7515 | |||
| IRR | 6.08% | 20.13% | 20.55% | 20.62% |
| 年 | 3 | 4 | 5 | 6 |
| 總本金 | 5.1012 | 6.8016 | 8.5020 | 16.0596 |
| 利息 | 0.6455 | 4.1840 | 6.9198 | 11.6919 |
| 總報酬率 | 12.65% | 61.51% | 81.39% | 72.80% |
| FB: 儲蓄保險王.正義真話俠 Line: @wvr5039s | ||||
| 0 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 1 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 2 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 3 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 4 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 5 | -7.5576 | -7.5576 | -7.5576 | -7.5576 |
| 6 | -7.5576 | -7.5576 | -7.5576 | -7.5576 |
| 7 | 39.1919 | -7.5576 | -7.5576 | -7.5576 |
| 8 | 50.8704 | -7.5576 | -7.5576 | |
| 9 | 62.7217 | -7.5576 | ||
| 10 | 74.6687 | |||
| IRR | 17.79% | 15.39% | 13.44% | 11.86% |
| 年 | 7 | 8 | 9 | 10 |
| 總本金 | 23.6172 | 31.1748 | 38.7324 | 46.2900 |
| 利息 | 15.5747 | 19.6956 | 23.9893 | 28.3787 |
| 總報酬率 | 65.95% | 63.18% | 61.94% | 61.31% |
| FB: 儲蓄保險王.正義真話俠 Line: @wvr5039s | |||||
| 0 | -1.7004 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 1 | -1.7004 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 2 | -1.7004 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 3 | -1.7004 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 4 | -1.7004 | -1.7004 | -1.7004 | -1.7004 | -1.7004 |
| 5 | -7.5576 | -7.5576 | -7.5576 | -7.5576 | -7.5576 |
| 6 | -7.5576 | -7.5576 | -7.5576 | -7.5576 | -7.5576 |
| 7 | -7.5576 | -7.5576 | -7.5576 | -7.5576 | -7.5576 |
| 8 | -7.5576 | -7.5576 | -7.5576 | -7.5576 | -7.5576 |
| 9 | -7.5576 | -7.5576 | -7.5576 | -7.5576 | -7.5576 |
| 10 | -7.5576 | -7.5576 | -7.5576 | -7.5576 | -7.5576 |
| 11 | 86.9339 | -7.5576 | -7.5576 | -7.5576 | -7.5576 |
| 12 | 99.5386 | -7.5576 | -7.5576 | -7.5576 | |
| 13 | 112.1069 | -7.5576 | -7.5576 | ||
| 14 | 125.1889 | -7.5576 | |||
| 15 | 138.3804 | ||||
| IRR | 10.65% | 9.69% | 8.87% | 8.22% | 7.67% |
| 年 | 11 | 12 | 13 | 14 | 15 |
| 總本金 | 53.8476 | 61.4052 | 68.9628 | 76.5204 | 84.0780 |
| 利息 | 33.0863 | 38.1334 | 43.1441 | 48.6685 | 54.3024 |
| 總報酬率 | 61.44% | 62.10% | 62.56% | 63.60% | 64.59% |
可以索取以上試算表
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