30万, 5%的利息,30 年后是¥123万,60年后是5,34万,长期看,还是存钱好。
1 ?300,000.00
2 ?315,000.00
3 ?330,750.00
4 ?347,287.50
5 ?364,651.88
6 ?382,884.47
7 ?402,028.69
8 ?422,130.13
9 ?443,236.63
10 ?465,398.46
11 ?488,668.39
12 ?513,101.81
13 ?538,756.90
14 ?565,694.74
15 ?593,979.48
16 ?623,678.45
17 ?654,862.38
18 ?687,605.50
19 ?721,985.77
20 ?758,085.06
21 ?795,989.31
22 ?835,788.78
23 ?877,578.22
24 ?921,457.13
25 ?967,529.98
26 ?1,015,906.48
27 ?1,066,701.81
28 ?1,120,036.90
29 ?1,176,038.74
30 ?1,234,840.68
31 ?1,296,582.71
32 ?1,361,411.85
33 ?1,429,482.44
34 ?1,500,956.56
35 ?1,576,004.39
36 ?1,654,804.61
37 ?1,737,544.84
38 ?1,824,422.08
39 ?1,915,643.19
40 ?2,011,425.35
41 ?2,111,996.61
42 ?2,217,596.44
43 ?2,328,476.27
44 ?2,444,900.08
45 ?2,567,145.08
46 ?2,695,502.34
47 ?2,830,277.45
48 ?2,971,791.33
49 ?3,120,380.89
50 ?3,276,399.94
51 ?3,440,219.94
52 ?3,612,230.93
53 ?3,792,842.48
54 ?3,982,484.60
55 ?4,181,608.83
56 ?4,390,689.27
57 ?4,610,223.74
58 ?4,840,734.93
59 ?5,082,771.67
60 ?5,336,910.26
61 ?5,603,755.77
62 ?5,883,943.56
63 ?6,178,140.73
64 ?6,487,047.77
65 ?6,811,400.16
66 ?7,151,970.17
67 ?7,509,568.68
68 ?7,885,047.11
69 ?8,279,299.47
70 ?8,693,264.44
71 ?9,127,927.66
72 ?9,584,324.04
73 ?10,063,540.25
74 ?10,566,717.26
75 ?11,095,053.12
76 ?11,649,805.78
77 ?12,232,296.07
78 ?12,843,910.87
79 ?13,486,106.41
80 ?14,160,411.73
81 ?14,868,432.32
82 ?15,611,853.94
83 ?16,392,446.63
84 ?17,212,068.96
85 ?18,072,672.41
86 ?18,976,306.03
87 ?19,925,121.34
88 ?20,921,377.40
89 ?21,967,446.27
90 ?23,065,818.59
91 ?24,219,109.51
92 ?25,430,064.99
93 ?26,701,568.24
94 ?28,036,646.65
95 ?29,438,478.98
96 ?30,910,402.93
97 ?32,455,923.08
98 ?34,078,719.23
99 ?35,782,655.20
100 ?37,571,787.96
xlgong 发表于 2011-9-3 12:51
既然想拿数字说话就要有起码的严谨
1. 现在四大银行的利息是2.2%, 小银行2%, 不是你假想的5%.
2. 按2.2%的息, 30万月供息约600刀, 但房租收入不包水电汽至少约1200+, 净赚多少你自已算
3. 通胀3%不含房价和油价, 实际通胀7%左右,房屋作为实物资产看长期与实际通胀同步, 减2.2%的息, 实际帐面净赚多少你也自已算。
你也可以反着算, 你有30万现金不买房存银行, 月税后净息收入200刀, 你可以问问200刀可租到什么样的房子,我指的是整栋房。 200刀再减去30万每年7%的通胀缩水
你可以不去算帐, 因为你损失的钱并没有消失, 你丢了就有人白捡了,捡钱的途径就是对货币收支, 政府鼓励你支, 你偏要收, 结果怎样可想而知。 |