銀行貸款問題

(1) 想問下,係唔係拉長還款期個利息都唔變?如果係借2年,年利率為10.91,每月供$1,397,如果3年,年利率為10.87%,每月供980.33將d data 入落excel度就計到。
樓上嗰位嘅計法無考慮到要還本金,如果$30,000係到期先本利清還,咁就係啱,不過銀行一般應該都係要每個月還本付息。
由於嗰$100係手續費,冇計入去你個貨款,因為借幾多都要比啦。

(2)至於你問平唔平就好難講,你個plan同出面做緊d銀行廣告都差唔多,因為你借嘅錢唔係好多,如果唔怕煩,你都可以試下問下其他銀行。

for 1 yr loan

loan = HK$30,000
monthly payment = HK$30,000/12+HK$49+HK$100/12=HK$2,655.33
no. of payment = 12
effective annual interest rate = 11.88%


for 2 yrs loan

loan = HK$30,000
monthly payment = HK$30,000/24+HK$49+HK$100/12=HK$1,405.33
no. of payment = 24
effective annual interest rate = 12.14%

for 3 yrs loan

loan = HK$30,000
monthly payment = HK$30,000/36+HK$49+HK$100/12=HK$988.67
no. of payment = 36
effective annual interest rate = 12.08%


Comments

1: for personal loan, the rate is not very high, still acceptable
2: however, the rate should be decrease with the time. The longer one should have lower rate. The case, is however, reversed.

簡單地計算:

一年10,000 蚊的利息 49 X 12 + 100 = 688

688/10,000 = 6.88% 不太高

之后2年不用俾手續費, 所以 588/10,000 = 5.88% 更加唔貴。

remark: 咁計雖不最準，但同真正數字只會差少少~