就貸一次還清比較划算嗎? - 理財
By Mary
at 2012-01-26T18:59
at 2012-01-26T18:59
Table of Contents
就學貸款在優惠期間之內免利息,
因此只要在出社會一年當中把就貸一次還完就結束了,
並不加計利息, 目前有一筆25萬元的現金可以用來直接清償貸款,
但是我的想法是目前就貸利率1.87% 年利率加碼0.55%
如果我用這筆錢來投資定存股,以6%現金殖利率計算,
而不一次還完就貸,那麼一年還可以賺到約一萬的利息(6%-1.87%*250000)
以機會成本的角度來說,一次還完就貸是不是不太聰明的作法?
但是很多人都建議理財之前要先理債,
因此想要了解各位看法,謝謝
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