✔ 最佳答案
1．而家一般銀行利率係幾多？
Generally speaking, either H+0.7% (i.e. ~1%) or P- 3% (i.e. = 2.25%)
Of course H has higher fluctation than P
Since you loan amount < $0.5m and the loan tenor is only 3 - 10 yrs, the actual offer rate would be much higher.
2．請問最短可以分幾年還？
Normally is 10yrs, but this could be neogotiable.
3．如果我想用3年還哂所有款項，我想問實質要俾出既錢係幾多呢？
For H + 0.7% = 1%
effective monthly rate = 0.083%
Monthly Repayment = $11,283.24
Total Interest Expense in 3yrs = $6,196.63
For P - 3% = 2.25%
effective monthly rate = 0.1875%
Monthly Repayment = $11,500.74
Total Interest Expense in 3yrs = $14,026.60
4．我之前聽朋友講話做50萬按揭分10年去還，最後要俾成100萬，其實係咪真，會真係多成倍咁多咩？
It seems it is not possible. The required interest rate would be 15.8%. this may be due to it is a personal loan without property.
loan = HK$0.5m
loan tenor = 10yrs = 120months
interest rate = 15.86%
effective monthly interest = 1.32%
Montly Repayment = HK$8,333.33
2010-07-16 13:40:41 補充：
咁我想問如果我真係分左10年還，咁實際上既利息同我3年還既利息係差幾遠？
P = original loan amount = HK$400,000.00
i = effective monthly interest
loan tenor = 3 yrs = 3 x 12months = 36months
= 10 yrs = 10 x 12months = 120months
2010-07-16 13:40:52 補充：
Monthly Repayment for 3yr-loan
P x i / {1 – [(1 + i)^-36]}
Total Interest Expense in 3yrs
36 x P x i / {1 – [(1 + i)^-36]} - P
Monthly Repayment for 10yr-loan
P x i / {1 – [(1 + i)^-120]}
Total Interest Expense in 10yrs
120 x P x i / {1 – [(1 + i)^-120]} – P
2010-07-16 13:41:14 補充：
Difference in Interest Expense
120 x P x i / {1 – [(1 + i)^-120]} – 36 x P x i / {1 – [(1 + i)^-36]}
= 12 x P x i x {10 / {1 – [(1 + i)^-120]} – 3 / {1 – [(1 + i)^-36]}}
= 12 x P x i x [(1 + i)^36] x { 10 x [(1 + i)^84] / {[(1 + i)^120] – 1} – 3 / {[(1 + i)^36] – 1}}
2010-07-16 13:41:21 補充：
= HK$4,800,000.00 x i x [(1 + i)^36] x { 10 x [(1 + i)^84] / {[(1 + i)^120] – 1} – 3 / {[(1 + i)^36] – 1}}
2010-07-16 13:42:13 補充：
For nominal annual rate = H + 0.7% = 1.03% (H = 0.33% today), i = 1.03% / 12 = 0.0858%, difference in interest = HK$14,741.61 = 3.685% of loan amount
For nominal annual rate = P - 3% = 2.25% (P = 5.25%), i = 2.25% / 12 = 0.1875%, difference in interest = HK$33,032.78 = 8.258% of loan amount
2010-07-16 13:42:27 補充：
For nominal annual rate = 3%, i = 3% / 12 = 0.25%, difference in interest = HK$44,722.16 = 11.181% of loan amount
2010-07-16 13:42:33 補充：
Please note that, for loan tenor less than 10yrs, the interest rate offered by bank would be higher, and should not be as same as that for 10yrs. Hence, the actual difference in interest should be smaller than the values above.
2010-07-16 13:42:41 補充：
我首先想問既係我唔理有無優惠利率，3％利率係咪一般銀行已經好易做到？
For fixed interest rate mortgage (定息按揭), 3% is reasonable now because the HIBOR must go up in the coming future. The remaining question is only “when”.
2010-07-16 13:42:46 補充：
If you are risk adverse person, I think 3% is ok. If you are a risk seeker, you could choose HIBOR plan from bank. The HIBOR plan interest rate must be below 3%.
