Zi 字媒體
2017-07-25T20:27:27+00:00
首集的槓桿投資新光美旺福
以利率2.5%的本息平均攤提信貸為例
七年期信貸每萬元月付15元利息
(加賴: @wvr5039s,傳訊1,會回覆相關資料)
則說明2%以下的信貸並非憑空想像
甚至軍公教都還可以借1.6%的信貸
美鑫則是中國人壽今年一月新推出的商品
(請私訊已幫粉絲團點讚的截圖,
便會回覆給您閱讀密碼)
中壽美鑫跟新光美旺福比起來
可以說是旗鼓相當,難分軒輊
本篇要用更低的2%信貸利率計算
槓桿投資中國人壽美鑫(0.3%折扣)的結果
貸款試算參考三信商銀網站
貸款: 1000000 (100萬)
利率: 2%
期數: 84個月 (7年)
月付本息=12768
相當於年付本息15.3216萬
以下很可怕!不要問!不解釋!
連我自己都不知道在算什麼 XD
欲索取槓桿投資的原始Excel檔
請加賴: @wvr5039s,傳訊1
@wvr5039s
FB:
儲蓄保險王
賴:
@wvr5039s
本金:
100
匯率:
30.7
貸款利率:
2.00%
虧損
匯率
月
年
美鑫IRR
解約金
貸款餘額
解約金-餘額
36
3
2.0700%
106.3394
58.8474
47.4920
30.26
48
4
2.7118%
111.2964
44.5724
66.7240
29.20
60
5
2.9784%
115.8062
30.0094
85.7968
28.26
72
6
3.3099%
121.5768
15.1523
106.4245
27.04
84
7
3.4142%
126.4913
0
126.4913
26.03
96
8
3.4924%
131.6032
0
131.6032
25.02
108
9
3.5530%
136.9192
0
136.9192
24.05
120
10
3.6022%
142.4591
0
142.4591
23.11
132
11
3.6414%
148.2058
0
148.2058
22.22
144
12
3.6745%
154.1931
0
154.1931
21.35
156
13
3.7023%
160.4156
0
160.4156
20.53
168
14
3.7264%
166.8974
0
166.8974
19.73
180
15
3.7475%
173.6464
0
173.6464
18.96
192
16
3.7657%
180.6599
0
180.6599
18.23
204
17
3.7815%
187.9473
0
187.9473
17.52
216
18
3.7960%
195.5470
0
195.5470
16.84
228
19
3.8087%
203.4426
0
203.4426
16.18
240
20
3.8202%
211.6578
0
211.6578
15.56
統整在前:
FB:
儲蓄保險王
@wvr5039s
年
IRR
總報酬率
3
1.64%
3.32%
4
3.43%
8.87%
5
3.80%
11.99%
6
4.20%
15.77%
7
4.13%
17.94%
8
4.11%
22.71%
9
4.10%
27.66%
10
4.09%
32.83%
11
4.08%
38.19%
12
4.08%
43.77%
13
4.07%
49.57%
14
4.07%
55.61%
15
4.07%
61.91%
16
4.07%
68.45%
17
4.06%
75.24%
18
4.06%
82.33%
19
4.06%
89.69%
20
4.06%
97.35%
年
FB:
儲蓄保險王
賴:
@wvr5039s
儲蓄保險王
0
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
1
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
2
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
3
47.4920
-15.3216
-15.3216
-15.3216
-15.3216
4
66.7240
-15.3216
-15.3216
-15.3216
5
85.7968
-15.3216
-15.3216
6
106.4245
-15.3216
7
126.4913
IRR
1.64%
3.43%
3.80%
4.20%
4.13%
年
3
4
5
6
7
總本金
45.9648
61.2864
76.6080
91.9296
107.2512
總利息
1.5272
5.4376
9.1888
14.4949
19.2401
總報酬率
3.32%
8.87%
11.99%
15.77%
17.94%
年
儲蓄保險王
賴:
@wvr5039s
0
-15.3216
-15.3216
-15.3216
1
-15.3216
-15.3216
-15.3216
2
-15.3216
-15.3216
-15.3216
3
-15.3216
-15.3216
-15.3216
4
-15.3216
-15.3216
-15.3216
5
-15.3216
-15.3216
-15.3216
6
-15.3216
-15.3216
-15.3216
7
0
0
0
8
131.6032
0
0
9
136.9192
0
10
142.4591
IRR
4.11%
4.10%
4.09%
年
8
9
10
總本金
107.2512
107.2512
107.2512
總利息
24.3520
29.6680
35.2079
總報酬率
22.71%
27.66%
32.83%
年
FB:
儲蓄保險王
賴:
@wvr5039s
儲蓄保險王
0
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
1
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
2
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
3
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
4
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
5
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
6
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
7
0
0
0
0
0
8
0
0
0
0
0
9
0
0
0
0
0
10
0
0
0
0
0
11
148.2058
0
0
0
0
12
154.1931
0
0
0
13
160.4156
0
0
14
166.8974
0
15
173.6464
IRR
4.08%
4.08%
4.07%
4.07%
4.07%
年
11
12
13
14
15
總本金
107.2512
107.2512
107.2512
107.2512
107.2512
總利息
40.9546
46.9419
53.1644
59.6462
66.3952
總報酬率
38.19%
43.77%
49.57%
55.61%
61.91%
年
FB:
儲蓄保險王
賴:
@wvr5039s
儲蓄保險王
0
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
1
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
2
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
3
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
4
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
5
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
6
-15.3216
-15.3216
-15.3216
-15.3216
-15.3216
7
0
0
0
0
0
8
0
0
0
0
0
9
0
0
0
0
0
10
0
0
0
0
0
11
0
0
0
0
0
12
0
0
0
0
0
13
0
0
0
0
0
14
0
0
0
0
0
15
0
0
0
0
0
16
180.6599
0
0
0
0
17
187.9473
0
0
0
18
195.5470
0
0
19
203.4426
0
20
211.6578
IRR
4.07%
4.06%
4.06%
4.06%
4.06%
年
16
17
18
19
20
總本金
107.2512
107.2512
107.2512
107.2512
107.2512
總利息
73.4087
80.6961
88.2958
96.1914
104.4066
總報酬率
68.45%
75.24%
82.33%
89.69%
97.35%
欲索取槓桿投資的原始Excel檔
請加賴: @wvr5039s,傳訊1
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