因此,2017年新出现的“只还息不还本”贷款,是比“30年期等额本息”更优异的贷款。
(4.9%) | 30年等额本息 | 只还息 | 相差 |
1 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
2 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
3 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
4 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
5 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
6 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
7 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
8 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
9 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
10 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
11 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
12 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
24 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 |
(4.9%) | 30年等额本息 | 只还息 | 相差 | 已还本金 | 投资收益 |
1 | ¥5,307 | ¥4,083 | ¥1,224 | ¥1,224 | ¥1,224 |
2 | ¥5,307 | ¥4,083 | ¥1,224 | ¥2,453 | ¥2,460 |
3 | ¥5,307 | ¥4,083 | ¥1,224 | ¥3,687 | ¥3,709 |
4 | ¥5,307 | ¥4,083 | ¥1,224 | ¥4,926 | ¥4,970 |
5 | ¥5,307 | ¥4,083 | ¥1,224 | ¥6,170 | ¥6,243 |
6 | ¥5,307 | ¥4,083 | ¥1,224 | ¥7,419 | ¥7,530 |
7 | ¥5,307 | ¥4,083 | ¥1,224 | ¥8,673 | ¥8,829 |
8 | ¥5,307 | ¥4,083 | ¥1,224 | ¥9,933 | ¥10,141 |
9 | ¥5,307 | ¥4,083 | ¥1,224 | ¥11,197 | ¥11,466 |
10 | ¥5,307 | ¥4,083 | ¥1,224 | ¥12,467 | ¥12,805 |
11 | ¥5,307 | ¥4,083 | ¥1,224 | ¥13,742 | ¥14,157 |
12 | ¥5,307 | ¥4,083 | ¥1,224 | ¥15,022 | ¥15,523 |
24 | ¥5,307 | ¥4,083 | ¥1,224 | ¥30,796 | ¥33,014 |
36 | ¥5,307 | ¥4,083 | ¥1,224 | ¥47,361 | ¥52,723 |
48 | ¥5,307 | ¥4,083 | ¥1,224 | ¥64,756 | ¥74,932 |
60 | ¥5,307 | ¥4,083 | ¥1,224 | ¥83,023 | ¥99,958 |
| 等额本息 | 只还息 |
1年期 | 4.90% | 4.952% |
2年期 | 4.90% | 5.003% |
3年期 | 4.90% | 5.053% |
4年期 | 4.90% | 5.103% |
5年期 | 4.90% | 5.153% |
10年期 | 4.90% | 5.386% |
20年期 | 4.90% | 5.768% |
30年期 | 4.90% | 6.027% |
值得注意的是:
如果拖长到30年,则“还息不还本”将远远跑赢“等额本息”。6.03%还息不还本 = 4.9%等额本息4.90%还息不还本 = 3.28%等额本息
12 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 | ¥15,021.59 | ¥15,522.55 |
24 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 | ¥30,795.99 | ¥33,013.74 |
36 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 | ¥47,360.94 | ¥52,723.25 |
48 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 | ¥64,756.05 | ¥74,932.42 |
60 | ¥5,307.27 | ¥4,083.33 | ¥1,223.93 | ¥83,022.92 | ¥99,958.28 |
(4.9%) | 30年等额本息 | 只还息 | 相差 | 已还本金 | 投资收益 |
120 | ¥5,307 | ¥4,083 | ¥1,224 | ¥189,042 | ¥281,552 |
240 | ¥5,307 | ¥4,083 | ¥1,224 | ¥497,310 | ¥1,210,783 |
360 | ¥5,307 | ¥4,083 | ¥1,224 | ¥1,000,000 | ¥4,277,605 |
《人民的敌人》---- 大风厂
中国的民营企业贷款,全部都是一年期的。到了年底就要还进去,过桥次年再借出来。
对于生产力是巨大的破坏,平白折腾,毁家败民无数。
多年顽疾,因为“不可说”的原因,始终不肯取消。
| 按揭贷款 | 抵押贷款 | 现金流 |
1 | ¥5,145.27 | ¥13,118.54 | ¥992,026.73 |
2 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
3 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
4 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
5 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
6 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
7 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
8 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
9 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
10 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
11 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
12 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
24 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
36 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
120 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
240 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
323 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
324 | ¥5,145.27 | ¥13,118.54 | ¥-7,973.27 |
325 | ¥13,118.54 | ¥-13,118.54 | |
360 | ¥13,118.54 | ¥-13,118.54 | |
0.762% | |||
9.53% |
假设某人从按揭贷款“截断”为抵押贷款。但是他不持有30年,预计5年左右就要抛售。而且还付了1.8%的“贷款手续费”。请问这种情况如何计算。
| 按揭贷款 | 剩余按揭 | 抵押贷款 | 剩余抵押 | 现金流 |
1 | ¥5,145 | ¥998,326 | ¥13,119 | ¥1,998,315 | ¥956,027 |
2 | ¥5,145 | ¥996,645 | ¥13,119 | ¥1,996,620 | ¥-7,973 |
3 | ¥5,145 | ¥994,959 | ¥13,119 | ¥1,994,915 | ¥-7,973 |
4 | ¥5,145 | ¥993,267 | ¥13,119 | ¥1,993,201 | ¥-7,973 |
5 | ¥5,145 | ¥991,570 | ¥13,119 | ¥1,991,477 | ¥-7,973 |
6 | ¥5,145 | ¥989,866 | ¥13,119 | ¥1,989,743 | ¥-7,973 |
7 | ¥5,145 | ¥988,156 | ¥13,119 | ¥1,987,999 | ¥-7,973 |
8 | ¥5,145 | ¥986,441 | ¥13,119 | ¥1,986,246 | ¥-7,973 |
12 | ¥5,145 | ¥979,519 | ¥13,119 | ¥1,979,129 | ¥-7,973 |
24 | ¥5,145 | ¥958,168 | ¥13,119 | ¥1,956,781 | ¥-7,973 |
36 | ¥5,145 | ¥935,911 | ¥13,119 | ¥1,932,851 | ¥-7,973 |
48 | ¥5,145 | ¥912,709 | ¥13,119 | ¥1,907,226 | ¥-7,973 |
60 | ¥5,145 | ¥888,522 | ¥13,119 | ¥1,879,788 | ¥-999,239 |
月率: | 0.88% | ||||
年化: | 11.11% |
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