如何看待通膨數據與借款利率 - 房貸
By Skylar Davis
at 2021-07-18T16:21
at 2021-07-18T16:21
Table of Contents
板上各位先進大家好
最近在研究是否把真的有借款年限拉長,可以讓通膨把需要還的金額吃掉這回事
如果借款利率<通膨利率
理論上還款年限拉長可以讓資金運用更靈活(例:30-40年房貸)
但”主計處的通膨數據”卻低於1.31%
(註:核心消費者物價指數,CPI)
(不含能源及食品)
如下圖
https://i.imgur.com/ywrNMek.jpg
就算加上能源及食品通膨率一樣很低
https://i.imgur.com/t17gQgt.jpg
這種情形請問是
1.借款年限拉長讓通膨把錢吃掉的說法有誤
2.主計處的資料不準確,看看就好,實際通膨數據更高
又請教,如果答案是2,該如何得到正確的通膨數據呢?
感謝各位
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Sent from JPTT on my iPhone
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Tags:
房貸
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