[請益] 450萬的投資規劃
想請問
房子抵押貸款450萬分20年還清
利率2.25% 本金攤還
每個月還本$15170
每個月還息$8126
總計$23296
目前已經還了一年
投對胎家人出錢贈與現金還貸款
於是出現幾個選項
1.直接還清,房子三年內不塗銷抵押沒有違約金的問題
2.定存,利率較低但隨時要用可解,相當於每年用不到五千就可
留有一百萬現金使用
3.ETF
4.還一半本金,剩下定存或ETF
30歲,月收65k,名下有房(貸款就是拿來裝修的)
謝謝
--
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09/04 17:37,
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09/04 17:42,
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09/04 17:43,
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09/04 17:52,
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09/04 17:56,
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09/04 17:58,
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還有 32 則推文
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09/04 18:43,
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09/04 18:44,
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09/04 18:49,
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09/04 18:56,
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09/04 18:58,
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09/04 19:05,
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09/04 19:06,
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09/04 21:34,
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09/04 21:43,
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09/04 21:58,
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09/04 22:34,
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09/04 22:51,
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09/04 22:57,
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09/04 23:09,
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09/05 00:35,
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09/05 08:10,
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09/05 08:10,
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09/05 08:15,
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09/05 12:57,
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09/05 12:57, 109F
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09/05 13:41,
1周前
, 110F
09/05 13:41, 110F
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09/05 13:42,
1周前
, 111F
09/05 13:42, 111F
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