算一下不就知道了
假設在台北買1200萬的房,貸款8成960萬,利率2趴,貸款20年
薪資算5萬好了...而且你的老闆也很有良心...每年幫你加薪2%
房屋稅,地價稅,房屋維修支出...這些支出忽略不計
我們來算算看你每個月繳完房貸還剩多少年可以生活
貸款結餘 還本金 還利息 每月償還 薪資 每月剩餘可支配餘額
9,600,000 0 0 0 50000 50,000
9,567,435 32,565 16,000 48,565 50,000 1,435
9,534,816 32,619 15,946 48,565 50,000 1,435
9,502,143 32,673 15,891 48,565 50,000 1,435
9,469,415 32,728 15,837 48,565 50,000 1,435
9,436,632 32,782 15,782 48,565 50,000 1,435
9,403,795 32,837 15,728 48,565 50,000 1,435
9,370,903 32,892 15,673 48,565 50,000 1,435
9,337,957 32,947 15,618 48,565 50,000 1,435
9,304,955 33,002 15,563 48,565 50,000 1,435
9,271,899 33,057 15,508 48,565 50,000 1,435
9,238,787 33,112 15,453 48,565 50,000 1,435
9,205,620 33,167 15,398 48,565 50,000 1,435
9,172,398 33,222 15,343 48,565 51,000 2,435
9,139,121 33,277 15,287 48,565 51,000 2,435
9,105,788 33,333 15,232 48,565 51,000 2,435
9,072,399 33,388 15,176 48,565 51,000 2,435
9,038,955 33,444 15,121 48,565 51,000 2,435
9,005,455 33,500 15,065 48,565 51,000 2,435
8,971,900 33,556 15,009 48,565 51,000 2,435
8,938,288 33,612 14,953 48,565 51,000 2,435
8,904,620 33,668 14,897 48,565 51,000 2,435
8,870,897 33,724 14,841 48,565 51,000 2,435
8,837,117 33,780 14,785 48,565 51,000 2,435
8,803,280 33,836 14,729 48,565 51,000 2,435
8,769,388 33,893 14,672 48,565 52,020 3,455
8,735,438 33,949 14,616 48,565 52,020 3,455
8,701,433 34,006 14,559 48,565 52,020 3,455
8,667,370 34,062 14,502 48,565 52,020 3,455
8,633,251 34,119 14,446 48,565 52,020 3,455
8,599,075 34,176 14,389 48,565 52,020 3,455
8,564,842 34,233 14,332 48,565 52,020 3,455
8,530,552 34,290 14,275 48,565 52,020 3,455
8,496,205 34,347 14,218 48,565 52,020 3,455
8,461,800 34,404 14,160 48,565 52,020 3,455
8,427,339 34,462 14,103 48,565 52,020 3,455
8,392,819 34,519 14,046 48,565 52,020 3,455
8,358,243 34,577 13,988 48,565 53,060 4,496
8,323,608 34,634 13,930 48,565 53,060 4,496
8,288,916 34,692 13,873 48,565 53,060 4,496
8,254,166 34,750 13,815 48,565 53,060 4,496
8,219,358 34,808 13,757 48,565 53,060 4,496
8,184,492 34,866 13,699 48,565 53,060 4,496
8,149,568 34,924 13,641 48,565 53,060 4,496
8,114,586 34,982 13,583 48,565 53,060 4,496
8,079,546 35,040 13,524 48,565 53,060 4,496
8,044,447 35,099 13,466 48,565 53,060 4,496
8,009,289 35,157 13,407 48,565 53,060 4,496
7,974,073 35,216 13,349 48,565 53,060 4,496
7,938,799 35,275 13,290 48,565 54,122 5,557
7,903,465 35,333 13,231 48,565 54,122 5,557
7,868,073 35,392 13,172 48,565 54,122 5,557
7,832,622 35,451 13,113 48,565 54,122 5,557
7,797,111 35,510 13,054 48,565 54,122 5,557
7,761,542 35,570 12,995 48,565 54,122 5,557
7,725,913 35,629 12,936 48,565 54,122 5,557
7,690,224 35,688 12,877 48,565 54,122 5,557
7,654,477 35,748 12,817 48,565 54,122 5,557
7,618,669 35,807 12,757 48,565 54,122 5,557
7,582,802 35,867 12,698 48,565 54,122 5,557
7,546,875 35,927 12,638 48,565 54,122 5,557
7,510,889 35,987 12,578 48,565 55,204 6,639
7,474,842 36,047 12,518 48,565 55,204 6,639
7,438,735 36,107 12,458 48,565 55,204 6,639
7,402,568 36,167 12,398 48,565 55,204 6,639
7,366,341 36,227 12,338 48,565 55,204 6,639
7,330,054 36,288 12,277 48,565 55,204 6,639
7,293,706 36,348 12,217 48,565 55,204 6,639
7,257,297 36,409 12,156 48,565 55,204 6,639
7,220,828 36,469 12,095 48,565 55,204 6,639
7,184,298 36,530 12,035 48,565 55,204 6,639
7,147,707 36,591 11,974 48,565 55,204 6,639
7,111,055 36,652 11,913 48,565 55,204 6,639
7,074,342 36,713 11,852 48,565 56,308 7,743
7,037,567 36,774 11,791 48,565 56,308 7,743
7,000,732 36,836 11,729 48,565 56,308 7,743
6,963,835 36,897 11,668 48,565 56,308 7,743
6,926,877 36,958 11,606 48,565 56,308 7,743
6,889,857 37,020 11,545 48,565 56,308 7,743
6,852,775 37,082 11,483 48,565 56,308 7,743
6,815,631 37,144 11,421 48,565 56,308 7,743
6,778,426 37,205 11,359 48,565 56,308 7,743
6,741,159 37,267 11,297 48,565 56,308 7,743
6,703,829 37,330 11,235 48,565 56,308 7,743
6,666,437 37,392 11,173 48,565 56,308 7,743
6,628,983 37,454 11,111 48,565 57,434 8,869
6,591,467 37,516 11,048 48,565 57,434 8,869
6,553,888 37,579 10,986 48,565 57,434 8,869
6,516,246 37,642 10,923 48,565 57,434 8,869
6,478,542 37,704 10,860 48,565 57,434 8,869
6,440,774 37,767 10,798 48,565 57,434 8,869
6,402,944 37,830 10,735 48,565 57,434 8,869
6,365,051 37,893 10,672 48,565 57,434 8,869
6,327,095 37,956 10,608 48,565 57,434 8,869
6,289,075 38,020 10,545 48,565 57,434 8,869
6,250,992 38,083 10,482 48,565 57,434 8,869
6,212,846 38,146 10,418 48,565 57,434 8,869
6,174,635 38,210 10,355 48,565 58,583 10,018
6,136,362 38,274 10,291 48,565 58,583 10,018
6,098,024 38,338 10,227 48,565 58,583 10,018
6,059,623 38,401 10,163 48,565 58,583 10,018
6,021,157 38,465 10,099 48,565 58,583 10,018
5,982,628 38,530 10,035 48,565 58,583 10,018
5,944,034 38,594 9,971 48,565 58,583 10,018
5,905,376 38,658 9,907 48,565 58,583 10,018
5,866,653 38,723 9,842 48,565 58,583 10,018
5,827,866 38,787 9,778 48,565 58,583 10,018
5,789,015 38,852 9,713 48,565 58,583 10,018
5,750,098 38,916 9,648 48,565 58,583 10,018
5,711,117 38,981 9,583 48,565 59,755 11,190
5,672,071 39,046 9,519 48,565 59,755 11,190
5,632,959 39,111 9,453 48,565 59,755 11,190
5,593,783 39,177 9,388 48,565 59,755 11,190
5,554,541 39,242 9,323 48,565 59,755 11,190
5,515,234 39,307 9,258 48,565 59,755 11,190
5,475,861 39,373 9,192 48,565 59,755 11,190
5,436,423 39,438 9,126 48,565 59,755 11,190
5,396,919 39,504 9,061 48,565 59,755 11,190
5,357,349 39,570 8,995 48,565 59,755 11,190
5,317,713 39,636 8,929 48,565 59,755 11,190
5,278,011 39,702 8,863 48,565 59,755 11,190
5,238,243 39,768 8,797 48,565 60,950 12,385
5,198,408 39,834 8,730 48,565 60,950 12,385
5,158,507 39,901 8,664 48,565 60,950 12,385
5,118,540 39,967 8,598 48,565 60,950 12,385
5,078,506 40,034 8,531 48,565 60,950 12,385
5,038,406 40,101 8,464 48,565 60,950 12,385
4,998,238 40,167 8,397 48,565 60,950 12,385
4,958,004 40,234 8,330 48,565 60,950 12,385
4,917,702 40,301 8,263 48,565 60,950 12,385
4,877,334 40,369 8,196 48,565 60,950 12,385
4,836,898 40,436 8,129 48,565 60,950 12,385
4,796,395 40,503 8,061 48,565 60,950 12,385
4,755,824 40,571 7,994 48,565 62,169 13,604
4,715,185 40,638 7,926 48,565 62,169 13,604
4,674,479 40,706 7,859 48,565 62,169 13,604
4,633,705 40,774 7,791 48,565 62,169 13,604
4,592,863 40,842 7,723 48,565 62,169 13,604
4,551,953 40,910 7,655 48,565 62,169 13,604
4,510,975 40,978 7,587 48,565 62,169 13,604
4,469,928 41,047 7,518 48,565 62,169 13,604
4,428,813 41,115 7,450 48,565 62,169 13,604
4,387,630 41,183 7,381 48,565 62,169 13,604
4,346,378 41,252 7,313 48,565 62,169 13,604
4,305,057 41,321 7,244 48,565 62,169 13,604
4,263,667 41,390 7,175 48,565 63,412 14,847
4,222,209 41,459 7,106 48,565 63,412 14,847
4,180,681 41,528 7,037 48,565 63,412 14,847
4,139,084 41,597 6,968 48,565 63,412 14,847
4,097,418 41,666 6,898 48,565 63,412 14,847
4,055,682 41,736 6,829 48,565 63,412 14,847
4,013,877 41,805 6,759 48,565 63,412 14,847
3,972,002 41,875 6,690 48,565 63,412 14,847
3,930,057 41,945 6,620 48,565 63,412 14,847
3,888,042 42,015 6,550 48,565 63,412 14,847
3,845,957 42,085 6,480 48,565 63,412 14,847
3,803,802 42,155 6,410 48,565 63,412 14,847
3,761,577 42,225 6,340 48,565 64,680 16,116
3,719,282 42,296 6,269 48,565 64,680 16,116
3,676,916 42,366 6,199 48,565 64,680 16,116
3,634,479 42,437 6,128 48,565 64,680 16,116
3,591,972 42,507 6,057 48,565 64,680 16,116
3,549,394 42,578 5,987 48,565 64,680 16,116
3,506,745 42,649 5,916 48,565 64,680 16,116
3,464,024 42,720 5,845 48,565 64,680 16,116
3,421,233 42,791 5,773 48,565 64,680 16,116
3,378,370 42,863 5,702 48,565 64,680 16,116
3,335,436 42,934 5,631 48,565 64,680 16,116
3,292,430 43,006 5,559 48,565 64,680 16,116
3,249,353 43,077 5,487 48,565 65,974 17,409
3,206,204 43,149 5,416 48,565 65,974 17,409
3,162,982 43,221 5,344 48,565 65,974 17,409
3,119,689 43,293 5,272 48,565 65,974 17,409
3,076,324 43,365 5,199 48,565 65,974 17,409
3,032,886 43,438 5,127 48,565 65,974 17,409
2,989,376 43,510 5,055 48,565 65,974 17,409
2,945,794 43,583 4,982 48,565 65,974 17,409
2,902,139 43,655 4,910 48,565 65,974 17,409
2,858,411 43,728 4,837 48,565 65,974 17,409
2,814,610 43,801 4,764 48,565 65,974 17,409
2,770,736 43,874 4,691 48,565 65,974 17,409
2,726,789 43,947 4,618 48,565 67,293 18,729
2,682,769 44,020 4,545 48,565 67,293 18,729
2,638,676 44,094 4,471 48,565 67,293 18,729
2,594,509 44,167 4,398 48,565 67,293 18,729
2,550,268 44,241 4,324 48,565 67,293 18,729
2,505,954 44,314 4,250 48,565 67,293 18,729
2,461,565 44,388 4,177 48,565 67,293 18,729
2,417,103 44,462 4,103 48,565 67,293 18,729
2,372,567 44,536 4,029 48,565 67,293 18,729
2,327,956 44,611 3,954 48,565 67,293 18,729
2,283,272 44,685 3,880 48,565 67,293 18,729
2,238,512 44,759 3,805 48,565 67,293 18,729
2,193,678 44,834 3,731 48,565 68,639 20,074
2,148,770 44,909 3,656 48,565 68,639 20,074
2,103,786 44,984 3,581 48,565 68,639 20,074
2,058,728 45,058 3,506 48,565 68,639 20,074
2,013,594 45,134 3,431 48,565 68,639 20,074
1,968,385 45,209 3,356 48,565 68,639 20,074
1,923,101 45,284 3,281 48,565 68,639 20,074
1,877,741 45,360 3,205 48,565 68,639 20,074
1,832,306 45,435 3,130 48,565 68,639 20,074
1,786,795 45,511 3,054 48,565 68,639 20,074
1,741,208 45,587 2,978 48,565 68,639 20,074
1,695,546 45,663 2,902 48,565 68,639 20,074
1,649,807 45,739 2,826 48,565 70,012 21,447
1,603,992 45,815 2,750 48,565 70,012 21,447
1,558,100 45,891 2,673 48,565 70,012 21,447
1,512,132 45,968 2,597 48,565 70,012 21,447
1,466,088 46,045 2,520 48,565 70,012 21,447
1,419,966 46,121 2,443 48,565 70,012 21,447
1,373,768 46,198 2,367 48,565 70,012 21,447
1,327,493 46,275 2,290 48,565 70,012 21,447
1,281,141 46,352 2,212 48,565 70,012 21,447
1,234,711 46,430 2,135 48,565 70,012 21,447
1,188,204 46,507 2,058 48,565 70,012 21,447
1,141,620 46,584 1,980 48,565 70,012 21,447
1,094,958 46,662 1,903 48,565 71,412 22,848
1,048,218 46,740 1,825 48,565 71,412 22,848
1,001,400 46,818 1,747 48,565 71,412 22,848
954,504 46,896 1,669 48,565 71,412 22,848
907,530 46,974 1,591 48,565 71,412 22,848
860,478 47,052 1,513 48,565 71,412 22,848
813,347 47,131 1,434 48,565 71,412 22,848
766,138 47,209 1,356 48,565 71,412 22,848
718,850 47,288 1,277 48,565 71,412 22,848
671,483 47,367 1,198 48,565 71,412 22,848
624,038 47,446 1,119 48,565 71,412 22,848
576,513 47,525 1,040 48,565 71,412 22,848
528,909 47,604 961 48,565 72,841 24,276
481,226 47,683 882 48,565 72,841 24,276
433,463 47,763 802 48,565 72,841 24,276
385,621 47,842 722 48,565 72,841 24,276
337,699 47,922 643 48,565 72,841 24,276
289,697 48,002 563 48,565 72,841 24,276
241,615 48,082 483 48,565 72,841 24,276
193,452 48,162 403 48,565 72,841 24,276
145,210 48,242 322 48,565 72,841 24,276
96,887 48,323 242 48,565 72,841 24,276
48,484 48,403 161 48,565 72,841 24,276
0 48,484 81 48,565 72,841 24,276
結論: 貸下去買,前面幾年你一個月可用來生活的錢大概不會超過5000塊
第一年更慘一個月只剩1千多。要撐過這20年,有四個前提
1. 假設利率保持2%,而且20年不會升息
2. 假設你不會失業,而且老闆給你年年加薪
3. 這邊已經忽略稅金和維修支出,如果有額外支出,假設你撐得住
4. 假設房價會繼續漲20年,不然苦了20年還是換來一場空
四個假設有任何一個不成立, 那......自己看著辦吧
要是買來賭房產會再漲個兩~三年後就脫手,這我不敢說
( 還是有可能會獲利。 但期望報酬不高,風險卻非常大 )
但如果是買來``自住``........那只能講施主請保重~~
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前陣子中國大媽瘋狂集體去買黃金, 報紙還大幅報導中國大媽打敗華爾街
結果現在金價再次跳水, 中國大媽全部被套在高點。
只能說不管在任何市場.......
散戶就是散戶,一百萬個散戶還是散戶。
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