※ 引述《Happylawyer (happy)》之銘言：
: 我最近覺得呢
: 每個月繳房租
: 還不如去買一房的小套房
: 如果房租月租是6000
: 我如果貸款200萬
: (不是房子的錢 如果房子250萬)
: 買小套房 這樣划算嗎??
: 請問一下過來人
: 感謝
你有250萬，貸200萬2%的利息20年還款
房價每年2%上漲，租金不漲
你的多餘資金報酬率假定為5%
租金6000/月
20年後 買房的你會擁有溫暖的空間及一棟價值3,714,868元
租房的你會擁有別人的空間及現金與投資報酬共3,023,377元
購 屋 方 案 租 屋 方 案
年 房價 貸款餘 稅 年支 期末 年租 租金差 前期獲利 期末
0 2,500,000 2,000,000 500,000 500,000 500,000
1 2,550,000 1,917,687 1,000 123,313 632,313 72,000 51,313 25,000 576,313
2 2,601,000 1,833,727 1,000 123,313 767,273 72,000 51,313 28,816 656,443
3 2,653,020 1,748,088 1,000 123,313 904,932 72,000 51,313 32,822 740,578
4 2,706,080 1,660,736 1,000 123,313 1,045,344 72,000 51,313 37,029 828,920
5 2,760,202 1,571,638 1,000 123,313 1,188,564 72,000 51,313 41,446 921,680
6 2,815,406 1,480,757 1,000 123,313 1,334,649 72,000 51,313 46,084 1,019,077
7 2,871,714 1,388,059 1,000 123,313 1,483,656 72,000 51,313 50,954 1,121,345
8 2,929,148 1,293,506 1,000 123,313 1,635,642 72,000 51,313 56,067 1,228,725
9 2,987,731 1,197,063 1,000 123,313 1,790,668 72,000 51,313 61,436 1,341,475
10 3,047,486 1,098,691 1,000 123,313 1,948,795 72,000 51,313 67,074 1,459,862
11 3,108,436 998,351 1,000 123,313 2,110,085 72,000 51,313 72,993 1,584,169
12 3,170,604 896,005 1,000 123,313 2,274,600 72,000 51,313 79,208 1,714,691
13 3,234,017 791,611 1,000 123,313 2,442,405 72,000 51,313 85,735 1,851,739
14 3,298,697 685,130 1,000 123,313 2,613,567 72,000 51,313 92,587 1,995,639
15 3,364,671 576,519 1,000 123,313 2,788,151 72,000 51,313 99,782 2,146,734
16 3,431,964 465,736 1,000 123,313 2,966,228 72,000 51,313 107,337 2,305,384
17 3,500,604 352,738 1,000 123,313 3,147,866 72,000 51,313 115,269 2,471,967
18 3,570,616 237,479 1,000 123,313 3,333,137 72,000 51,313 123,598 2,646,879
19 3,642,028 119,915 1,000 123,313 3,522,113 72,000 51,313 132,344 2,830,536
20 3,714,868 0 1,000 123,313 3,714,868 72,000 51,313 141,527 3,023,377
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http://www.wretch.cc/blog/aleeon
--
: 我最近覺得呢
: 每個月繳房租
: 還不如去買一房的小套房
: 如果房租月租是6000
: 我如果貸款200萬
: (不是房子的錢 如果房子250萬)
: 買小套房 這樣划算嗎??
: 請問一下過來人
: 感謝
你有250萬，貸200萬2%的利息20年還款
房價每年2%上漲，租金不漲
你的多餘資金報酬率假定為5%
租金6000/月
20年後 買房的你會擁有溫暖的空間及一棟價值3,714,868元
租房的你會擁有別人的空間及現金與投資報酬共3,023,377元
購 屋 方 案 租 屋 方 案
年 房價 貸款餘 稅 年支 期末 年租 租金差 前期獲利 期末
0 2,500,000 2,000,000 500,000 500,000 500,000
1 2,550,000 1,917,687 1,000 123,313 632,313 72,000 51,313 25,000 576,313
2 2,601,000 1,833,727 1,000 123,313 767,273 72,000 51,313 28,816 656,443
3 2,653,020 1,748,088 1,000 123,313 904,932 72,000 51,313 32,822 740,578
4 2,706,080 1,660,736 1,000 123,313 1,045,344 72,000 51,313 37,029 828,920
5 2,760,202 1,571,638 1,000 123,313 1,188,564 72,000 51,313 41,446 921,680
6 2,815,406 1,480,757 1,000 123,313 1,334,649 72,000 51,313 46,084 1,019,077
7 2,871,714 1,388,059 1,000 123,313 1,483,656 72,000 51,313 50,954 1,121,345
8 2,929,148 1,293,506 1,000 123,313 1,635,642 72,000 51,313 56,067 1,228,725
9 2,987,731 1,197,063 1,000 123,313 1,790,668 72,000 51,313 61,436 1,341,475
10 3,047,486 1,098,691 1,000 123,313 1,948,795 72,000 51,313 67,074 1,459,862
11 3,108,436 998,351 1,000 123,313 2,110,085 72,000 51,313 72,993 1,584,169
12 3,170,604 896,005 1,000 123,313 2,274,600 72,000 51,313 79,208 1,714,691
13 3,234,017 791,611 1,000 123,313 2,442,405 72,000 51,313 85,735 1,851,739
14 3,298,697 685,130 1,000 123,313 2,613,567 72,000 51,313 92,587 1,995,639
15 3,364,671 576,519 1,000 123,313 2,788,151 72,000 51,313 99,782 2,146,734
16 3,431,964 465,736 1,000 123,313 2,966,228 72,000 51,313 107,337 2,305,384
17 3,500,604 352,738 1,000 123,313 3,147,866 72,000 51,313 115,269 2,471,967
18 3,570,616 237,479 1,000 123,313 3,333,137 72,000 51,313 123,598 2,646,879
19 3,642,028 119,915 1,000 123,313 3,522,113 72,000 51,313 132,344 2,830,536
20 3,714,868 0 1,000 123,313 3,714,868 72,000 51,313 141,527 3,023,377
--
http://www.wretch.cc/blog/aleeon
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