tag:blogger.com,1999:blog-4754537257813163329.post7691705272540827873..comments2023-11-07T16:24:44.153+08:00Comments on Angel(Poi Woon)の健康|理财~ 分享博客 : 理财 | Car loan 汽车贷款真的是少于3%吗? Angelpoiwoonhttp://www.blogger.com/profile/08237098522780622925noreply@blogger.comBlogger17125tag:blogger.com,1999:blog-4754537257813163329.post-75135258528117369592019-07-18T02:19:02.869+08:002019-07-18T02:19:02.869+08:00公司angel 请问在哪裏。公司angel 请问在哪裏。Anonymoushttps://www.blogger.com/profile/12140568459077387129noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-67555164340951007422019-07-18T02:17:49.603+08:002019-07-18T02:17:49.603+08:00请问个人贷款买车需要什么资料 我是打工一族请问怎样联络你们电话请问个人贷款买车需要什么资料 我是打工一族请问怎样联络你们电话Anonymoushttps://www.blogger.com/profile/12140568459077387129noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-58056652416492215972015-05-08T12:24:18.517+08:002015-05-08T12:24:18.517+08:00雷门兄,考虑通膨的话,是投资经不起通膨。。除非投资获利也包括通膨率。。(毕竟贷款已经是绑死2.92%...雷门兄,考虑通膨的话,是投资经不起通膨。。除非投资获利也包括通膨率。。(毕竟贷款已经是绑死2.92% p.a了)Angelpoiwoonhttps://www.blogger.com/profile/08237098522780622925noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-28329479913945689152015-05-07T09:33:22.642+08:002015-05-07T09:33:22.642+08:00這樣的算法不考慮通膨率。如果考慮通膨了,貸款項目與投資項目,哪一個比較經不起通膨?這樣的算法不考慮通膨率。如果考慮通膨了,貸款項目與投資項目,哪一個比較經不起通膨?雷門https://www.blogger.com/profile/15103745470925482286noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-71101658516387435172015-04-29T20:30:32.137+08:002015-04-29T20:30:32.137+08:00说的也是,但是看会了上面的评论,利息应该是5.5%
所以如果只有5%的回酬投资是不划算的。
仔细检查...说的也是,但是看会了上面的评论,利息应该是5.5%<br />所以如果只有5%的回酬投资是不划算的。<br />仔细检查了一下才发现应该要每个月就要扣本金,而不是每年才扣一次,<br />所以重新算过是不太划算的。<br />简单的比较就是直接比较利息和回酬看哪个高就哪个划算了<br /><br />天地海天地海https://www.blogger.com/profile/11055772127254153584noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-37293972996552517512015-04-29T12:04:37.024+08:002015-04-29T12:04:37.024+08:00如果现金充裕,贷款+投资看来是比较划算,但如果只有2万现金,只能选择贷款或100%现金买下,哪个划算...如果现金充裕,贷款+投资看来是比较划算,但如果只有2万现金,只能选择贷款或100%现金买下,哪个划算?只要投资回率高过贷款利率都比较划算吧。Angelpoiwoonhttps://www.blogger.com/profile/08237098522780622925noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-66850723129060798912015-04-28T17:41:50.667+08:002015-04-28T17:41:50.667+08:00有点奇怪的计算,在数学上,车贷2.9%是属于单利,而房贷则是属于复利。
复利在增加上拥有优势,因为会...有点奇怪的计算,在数学上,车贷2.9%是属于单利,而房贷则是属于复利。<br />复利在增加上拥有优势,因为会有利上加利的情况出现。<br />单利则比较简单计算,但是用在贷款上面则银行会占有优势,因为利息的计算不会被本金的减少所影响。<br />但是,<br />如果回到最初的问题是,究竟选择贷款买车比较划算,还是直接现金买车比较划算的话,<br />就需要比较多的计算了,假设你拥有2万现金,<br />但是依然选择贷款买车,把2万现金投资,回酬就算普普通通的5% 好了,<br />那么第一年,<br />交付贷款 RM382*12 = RM4584<br />投资回酬 RM20000*5% = RM1000<br />本金剩余 RM20000 - 4584 + 1000 = RM 16416<br /><br />第二年<br />交付贷款 RM382*12 = RM4584<br />投资回酬 RM16416*5% = RM820.80<br />本金剩余 RM16416 - 4584 + 820.80 = RM 12652.80<br /><br />以此类推计算到第五年以后,<br />交清所有贷款,剩余RM196.14<br />而先进买车是不会有剩余的,<br />所以是不是代表贷款买车比较划算?<br /><br />但是又但是,<br />买车还是一种属于liability,<br />除非真的有需要和钱太多,否则还是别买,<br />直接拿2万投资更好。<br /><br />天地海天地海https://www.blogger.com/profile/11055772127254153584noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-90890649288902906482015-04-28T09:40:10.618+08:002015-04-28T09:40:10.618+08:00是不变的,2.9% p.a.是不变的,2.9% p.a.Angelpoiwoonhttps://www.blogger.com/profile/08237098522780622925noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-55864764367237438852015-04-28T09:39:50.202+08:002015-04-28T09:39:50.202+08:00哈哈哈,暂时没收到 :P哈哈哈,暂时没收到 :PAngelpoiwoonhttps://www.blogger.com/profile/08237098522780622925noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-10136646063501567382015-04-28T09:39:24.493+08:002015-04-28T09:39:24.493+08:00wow,5.5%比较符合银行逻辑~受教了~wow,5.5%比较符合银行逻辑~受教了~Angelpoiwoonhttps://www.blogger.com/profile/08237098522780622925noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-57288893694530531612015-04-28T08:19:24.943+08:002015-04-28T08:19:24.943+08:00對不起, 錯誤更正, =rate(NPER,PMT,Pv,Fv,type,guess)算出來是0....對不起, 錯誤更正, =rate(NPER,PMT,Pv,Fv,type,guess)算出來是0.458%, 因為這是monthly installment, 年利率需再剩予12, 答案是 5.5%<br /><br />NPER = Number Payment = 60<br />PMT = Payment amount = 382<br />Pv = - 20000 (minus indicate cash flow out)<br />Fv = 0<br />type = 0<br />guess = 1<br /><br />在Excel 打上 =rate,就會出現以上公式 =rate(NPER,PMT,Pv,Fv,type,guess)Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-72797503557700430712015-04-27T22:25:25.608+08:002015-04-27T22:25:25.608+08:00谢谢angel的分享,那个2.9%的利息是不变的吗?还是银行调整利息也会更着变动啊谢谢angel的分享,那个2.9%的利息是不变的吗?还是银行调整利息也会更着变动啊Rachel Tewhttps://www.blogger.com/profile/07133125125457891441noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-70444327440044402372015-04-27T22:04:53.073+08:002015-04-27T22:04:53.073+08:00車場的人會建議妳拿下這個文章 :) 車場的人會建議妳拿下這個文章 :) Thiam H.https://www.blogger.com/profile/09485846526266855689noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-67935922943616202642015-04-27T21:43:09.070+08:002015-04-27T21:43:09.070+08:00哇,谢谢解答!4.58% ,算是可以接受的范围,可惜就像雷门兄说的,花大钱给利息买会贬值的liabi...哇,谢谢解答!4.58% ,算是可以接受的范围,可惜就像雷门兄说的,花大钱给利息买会贬值的liability。。Angelpoiwoonhttps://www.blogger.com/profile/08237098522780622925noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-18979704632224498352015-04-27T21:39:58.802+08:002015-04-27T21:39:58.802+08:00哈哈,可是还是有人以为拿贷款赚便宜了哈哈,可是还是有人以为拿贷款赚便宜了Angelpoiwoonhttps://www.blogger.com/profile/08237098522780622925noreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-10435646832500765202015-04-27T19:06:03.804+08:002015-04-27T19:06:03.804+08:00到底我们是多付了多少%?
答案是 4.58%
=rate(NPER,PMT,Pv,Fv,type,...到底我们是多付了多少%? <br />答案是 4.58%<br />=rate(NPER,PMT,Pv,Fv,type,guess)Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-4754537257813163329.post-25475856001705690942015-04-27T17:29:36.442+08:002015-04-27T17:29:36.442+08:00这是由于car loan不是reducing balance啦~ 一直以来都是这样的,可是现在hon...这是由于car loan不是reducing balance啦~ 一直以来都是这样的,可是现在hong leong mach好像有offer reducing balance 的car loan了Vitamincqahttps://www.blogger.com/profile/07561244836452818638noreply@blogger.com