就學貸款與財務規劃 - 投資
By John
at 2011-09-02T01:44
at 2011-09-02T01:44
Table of Contents
爬了一下文，關於就學貸款與投資兩者的拿捏，大多數板友建議先償還貸款，之後
再投資，目前就學貸款餘額大約還有36,5000元，還款期數156期(一期為一個月)，
現在年利息1.83%，依照台銀就學貸款網站試算，每個月應還本息約2631元，現在已
經進入計息還款的狀況。
目前個人每個月約有35000元可以自由運用，若全部投入投資，以複利公式來算，
FV＝PV×（1＋R）n次方，期末本利和＝期初本金×（1＋利率）期數次方，而就學
貸款本金會隨著期數慢慢變少，投資的金額也隨期數增加，若選擇全部投資，平均
利率要多少才不至於被就學貸款利息給吃掉？
感謝各位提供意見。
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投資
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