舉多個例子比大家睇, 償還按揭利息同本金既計算方法
樓價都係用8,000,000, 首期都係一成.
即係你問銀行借左7,200,000 , 雖然每月供款額係一樣.
但償還既利息同本金係會有唔同, 我簡單D按年咁計算.
年期 支付利息 支付本金 總供款額 總本金欠結 (%)
1 189,000 158,028 347,028 7,041,972 (97.8%)
2 184,852 162,176 694,056 6,879,796 (95.6%)
3 180,595 166,433 1,041,084 6,713,363 (93.2%)
4 176,226 170,802 1,388,112 6,542,561 (90.9%)
5 171,742 175,285 1,735,140 6,367,276 (88.4%)
6 167,141 179,887 2,082,168 6,187,389 (85.9%)
7 162,419 184,609 2,429,196 6,002,780 (83.4%)
8 157,573 189,455 2,762,224 5,813,325 (80.7%)
9 152,600 194,428 3,123,252 5,618,897 (78.0%)
10 147,496 199,532 3,470,280 5,419,365 (75.3%)
點解要計回報率? 就因為自住買樓其實都係投資
銀行真金白銀借錢比你, 你亦真金白銀還緊息比佢.
