假设你借 RM 500k 的房屋贷款.
这房贷的年利息是 4.5%. 它的供期是 35 年. 请问在这 35 年里, 你支付的利息开销是多少? 答案是 RM 494k.
若你现在觉得借贷买房很贵, 不划算, 甚至是觉得银行就是以高昂的利息赚钱发财的话, 这观点是不太对的. 那是因为今日 RM 1 的价值比明年, 10年后, 甚至是 35 年后的 RM 1 比较高. 因此, 我们借房贷的利息开销不应该单纯的以 RM 数字来计算, 而是要考虑到 Time Value of Money (TVM).
你会学习到:
– 如何用 TVM 计算机?
– 如何计算储蓄保单的真正回报率?
– 为什么车贷的真正利息比房贷高?
– 如何用 TVM 计算一项投资的真正回报率?
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