房價要開始跌了嗎!?
Edited by Huei-Wen Teng on 2021/12/16.
前提
今天的新聞: 財經大師不嘴砲:謝金河內湖豪宅轉手獲利2千萬。
中年不惑的我現在就會發揮思辯精神:這樣真的賺很大嗎?實際年報酬率是多少?
如果是現金買房投資?
算了一下: 其實沒有很多,複利計算大約只有年報酬率1.978%。
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如果是貸款買房投資?
但是,你可能會說,誰買房子是用現金呢? 所以如果我們假設,他是2成(豪宅等級的可能要三成吧?) 的頭期款,沒有寬限期,再加上30年,每年約1.3%的房貸利率。
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九年總報酬率22.043%,年化報酬率約2.238%。大約比長年期儲蓄型保單好一點,卻承受了很高的房地產投資風險。
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結論
- 想投資賺錢真難
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