借錢投入股票的風險盲點? - 股票
By Megan
at 2020-03-28T12:17
at 2020-03-28T12:17
Table of Contents
每次看這版的推文都覺得是世界奇觀
本人在某銀行當信貸業務
服務了也不算短的時間
我是不知道多少人被銀行業務唬爛說
利息成本 = 實際利率啦
但看一堆信貸2%的就覺得很驚人
2%不是沒有,但很少,少到爆炸
百大公司配合的銀行信貸利率差不多在2.4%
一般信用好的客戶大概3-5
信貸平均利率大概座落在6
(這是有數據公布的)
而因為信貸是本利攤,實際利息成本大概是貸款利率的一半
https://i.imgur.com/IlyFuml.jpg
你去用繳的月付金*期數,扣掉借的本金多出的是利息
試算表得知借100萬4%,5年下來總利息是10萬
貸款是頭重腳輕,取平均即為一年2萬
但不代表利率是2%啊...
那回到貸款投資
一年2萬的利息,月付金不是問題狀況下
投報自己抓,多出來的就賺
建議貸款投資要丟穩定,波動不大
領的配息>繳的利息
簡單用5%來算,100萬這樣5年領25
等於多賺15萬
感覺不多啦沒錯,比較像另類的存錢
在於如果你夠早做這件事
假如30好了,35歲時你就有100萬
(不算賺的錢)
然後再跟銀行借100萬,到時候就有200可以領配息,同理5年後再繼續操作
會善用的人真的能早退休
以上
--
Tags:
股票
All Comments
By Connor
at 2020-03-29T00:23
at 2020-03-29T00:23
By Wallis
at 2020-04-02T05:17
at 2020-04-02T05:17
By Margaret
at 2020-04-02T13:24
at 2020-04-02T13:24
By Hardy
at 2020-04-03T11:25
at 2020-04-03T11:25
By Una
at 2020-04-07T08:20
at 2020-04-07T08:20
By Zora
at 2020-04-11T12:50
at 2020-04-11T12:50
By Noah
at 2020-04-15T14:13
at 2020-04-15T14:13
By Mia
at 2020-04-16T17:44
at 2020-04-16T17:44
By Robert
at 2020-04-20T14:40
at 2020-04-20T14:40
By Jessica
at 2020-04-20T16:00
at 2020-04-20T16:00
By Charlotte
at 2020-04-24T07:26
at 2020-04-24T07:26
By Eden
at 2020-04-29T02:53
at 2020-04-29T02:53
By Caroline
at 2020-05-04T00:47
at 2020-05-04T00:47
By Sierra Rose
at 2020-05-06T08:12
at 2020-05-06T08:12
By Robert
at 2020-05-07T17:50
at 2020-05-07T17:50
By Megan
at 2020-05-12T14:31
at 2020-05-12T14:31
By Irma
at 2020-05-15T13:17
at 2020-05-15T13:17
By Rachel
at 2020-05-20T09:56
at 2020-05-20T09:56
By Vanessa
at 2020-05-21T17:33
at 2020-05-21T17:33
By Donna
at 2020-05-23T18:03
at 2020-05-23T18:03
By Zanna
at 2020-05-28T06:15
at 2020-05-28T06:15
By Brianna
at 2020-06-01T14:05
at 2020-06-01T14:05
By Anthony
at 2020-06-03T06:31
at 2020-06-03T06:31
By Oliver
at 2020-06-07T20:19
at 2020-06-07T20:19
By Jacky
at 2020-06-10T22:01
at 2020-06-10T22:01
By Ethan
at 2020-06-12T11:18
at 2020-06-12T11:18
By Carolina Franco
at 2020-06-17T10:31
at 2020-06-17T10:31
By Zanna
at 2020-06-20T17:38
at 2020-06-20T17:38
By Hedy
at 2020-06-22T05:01
at 2020-06-22T05:01
By Todd Johnson
at 2020-06-26T15:58
at 2020-06-26T15:58
By Steve
at 2020-06-27T07:56
at 2020-06-27T07:56
By Carol
at 2020-06-28T09:13
at 2020-06-28T09:13
By Barb Cronin
at 2020-06-28T15:03
at 2020-06-28T15:03
By Jacky
at 2020-07-01T07:30
at 2020-07-01T07:30
By Harry
at 2020-07-04T13:45
at 2020-07-04T13:45
By Hazel
at 2020-07-05T18:36
at 2020-07-05T18:36
By Enid
at 2020-07-07T13:44
at 2020-07-07T13:44
By Franklin
at 2020-07-08T19:21
at 2020-07-08T19:21
By Harry
at 2020-07-09T03:21
at 2020-07-09T03:21
By Andrew
at 2020-07-09T10:02
at 2020-07-09T10:02
By Kama
at 2020-07-12T13:51
at 2020-07-12T13:51
By Necoo
at 2020-07-16T03:22
at 2020-07-16T03:22
By Bennie
at 2020-07-16T07:52
at 2020-07-16T07:52
By Elvira
at 2020-07-20T17:30
at 2020-07-20T17:30
By George
at 2020-07-23T06:01
at 2020-07-23T06:01
By Emma
at 2020-07-25T22:25
at 2020-07-25T22:25
By Catherine
at 2020-07-29T04:39
at 2020-07-29T04:39
By Joseph
at 2020-07-30T13:24
at 2020-07-30T13:24
By Queena
at 2020-08-01T23:43
at 2020-08-01T23:43
By Jacky
at 2020-08-06T14:54
at 2020-08-06T14:54
By Agatha
at 2020-08-09T17:34
at 2020-08-09T17:34
By Puput
at 2020-08-10T17:40
at 2020-08-10T17:40
By Isabella
at 2020-08-12T10:44
at 2020-08-12T10:44
By Elizabeth
at 2020-08-12T12:59
at 2020-08-12T12:59
By Ethan
at 2020-08-12T23:07
at 2020-08-12T23:07
By Emily
at 2020-08-15T17:54
at 2020-08-15T17:54
By Steve
at 2020-08-20T05:24
at 2020-08-20T05:24
By James
at 2020-08-22T16:03
at 2020-08-22T16:03
By Quanna
at 2020-08-26T15:25
at 2020-08-26T15:25
By Robert
at 2020-08-28T18:04
at 2020-08-28T18:04
By Freda
at 2020-09-02T12:58
at 2020-09-02T12:58
By Mia
at 2020-09-04T01:51
at 2020-09-04T01:51
By Lydia
at 2020-09-04T23:01
at 2020-09-04T23:01
By Delia
at 2020-09-08T10:40
at 2020-09-08T10:40
By Yedda
at 2020-09-11T14:09
at 2020-09-11T14:09
By Kristin
at 2020-09-13T00:53
at 2020-09-13T00:53
By Andy
at 2020-09-13T21:40
at 2020-09-13T21:40
By Irma
at 2020-09-14T12:06
at 2020-09-14T12:06
By Mia
at 2020-09-18T20:23
at 2020-09-18T20:23
By Ina
at 2020-09-19T15:02
at 2020-09-19T15:02
By Yuri
at 2020-09-19T22:35
at 2020-09-19T22:35
By Gilbert
at 2020-09-23T00:14
at 2020-09-23T00:14
By Caitlin
at 2020-09-25T20:40
at 2020-09-25T20:40
By Caitlin
at 2020-09-28T01:09
at 2020-09-28T01:09
By Delia
at 2020-09-28T10:45
at 2020-09-28T10:45
By Agnes
at 2020-10-02T02:04
at 2020-10-02T02:04
By Poppy
at 2020-10-05T19:17
at 2020-10-05T19:17
By Madame
at 2020-10-07T21:57
at 2020-10-07T21:57
By Donna
at 2020-10-12T03:03
at 2020-10-12T03:03
By Liam
at 2020-10-12T14:14
at 2020-10-12T14:14
By Carolina Franco
at 2020-10-14T07:57
at 2020-10-14T07:57
By Ina
at 2020-10-17T13:08
at 2020-10-17T13:08
By Audriana
at 2020-10-20T17:42
at 2020-10-20T17:42
By Dinah
at 2020-10-21T06:17
at 2020-10-21T06:17
By Thomas
at 2020-10-23T04:26
at 2020-10-23T04:26
By Ula
at 2020-10-24T19:59
at 2020-10-24T19:59
By Barb Cronin
at 2020-10-27T17:34
at 2020-10-27T17:34
By Lydia
at 2020-10-31T13:04
at 2020-10-31T13:04
By Harry
at 2020-11-03T00:44
at 2020-11-03T00:44
By Megan
at 2020-11-06T06:48
at 2020-11-06T06:48
By Zora
at 2020-11-10T02:02
at 2020-11-10T02:02
By Tristan Cohan
at 2020-11-13T00:35
at 2020-11-13T00:35
By Zanna
at 2020-11-16T00:57
at 2020-11-16T00:57
By Regina
at 2020-11-19T00:18
at 2020-11-19T00:18
By Tracy
at 2020-11-23T12:15
at 2020-11-23T12:15
By Poppy
at 2020-11-26T18:42
at 2020-11-26T18:42
By Emma
at 2020-11-29T11:51
at 2020-11-29T11:51
By Necoo
at 2020-12-04T11:23
at 2020-12-04T11:23
By Yuri
at 2020-12-05T04:24
at 2020-12-05T04:24
By Zanna
at 2020-12-09T02:38
at 2020-12-09T02:38
By Edith
at 2020-12-10T19:18
at 2020-12-10T19:18
By Erin
at 2020-12-15T18:40
at 2020-12-15T18:40
Related Posts
有沒有人區間盤跟趨勢盤同時做得很好的?
By Isla
at 2020-03-28T12:13
at 2020-03-28T12:13
元大S&P 500反一 00648R
By Margaret
at 2020-03-28T12:11
at 2020-03-28T12:11
公司賺錢 配現金股利 卻又增資發行新股
By John
at 2020-03-28T12:09
at 2020-03-28T12:09
這次死多死空都有盲點
By Una
at 2020-03-28T12:01
at 2020-03-28T12:01
台積電
By Dora
at 2020-03-28T11:54
at 2020-03-28T11:54