0-170萬利率1.6%的信貸,如何運用? - 股票
By Liam
at 2019-09-29T18:16
at 2019-09-29T18:16
Table of Contents
: 有推文說可以買金融股4-5%套利。這樣其實也只是一年3.4%的套利空間,
: 一百七十萬借滿,其實也只是一年賺5.78萬。
: 這樣跟你一開始就不要借,然後每個月原本要還貸款本利和的錢投入金融股,
: 這樣就可以穩賺4-5%的報酬,並沒有差很多。
: 借貸只有一種情況下可以借,就是貸款期間只要還利息,到期才一次還本金。
: 這樣才有套利的空間。
: 如果每期都要還本利和的話,那就把每期本利和的現金留下來投資就好了,
: 幹嘛還給銀行賺一筆利息。
: 當然,你說明天就發生2008/09金融風暴的話,那應該賣房子all in,而不是
: 借170萬的信貸。
信貸100萬 利率1.5% 獲利5% 不算複利
1.不貸款 每年存20萬 取平均值
第一年10萬*0.05=獲利0.5萬
5年共計獲利 0.5+1.5+2.5+3.5+4.5=12.5
2.貸款利息 90*0.015=1.35 累計1.35+1.05+0.75+0.45+0.15=3.8
3.信貸投資獲利 5+5+5+5+5=25
4.貸款可額外獲利 25-12.5-3.8=8.7
以上 可能請高手算真正獲利
--
: 一百七十萬借滿,其實也只是一年賺5.78萬。
: 這樣跟你一開始就不要借,然後每個月原本要還貸款本利和的錢投入金融股,
: 這樣就可以穩賺4-5%的報酬,並沒有差很多。
: 借貸只有一種情況下可以借,就是貸款期間只要還利息,到期才一次還本金。
: 這樣才有套利的空間。
: 如果每期都要還本利和的話,那就把每期本利和的現金留下來投資就好了,
: 幹嘛還給銀行賺一筆利息。
: 當然,你說明天就發生2008/09金融風暴的話,那應該賣房子all in,而不是
: 借170萬的信貸。
信貸100萬 利率1.5% 獲利5% 不算複利
1.不貸款 每年存20萬 取平均值
第一年10萬*0.05=獲利0.5萬
5年共計獲利 0.5+1.5+2.5+3.5+4.5=12.5
2.貸款利息 90*0.015=1.35 累計1.35+1.05+0.75+0.45+0.15=3.8
3.信貸投資獲利 5+5+5+5+5=25
4.貸款可額外獲利 25-12.5-3.8=8.7
以上 可能請高手算真正獲利
--
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