x******n
发帖数: 1328 | 1 每个月有些多余的钱，拿去投资这些钱又太零散，存银行的话利率又只有0.7%
若在每个月的房贷上多还些的话，能省多少利息？
具体一些，假设是这样的情况：
40万美元，30年固定利率贷款，利率4.5%
若是正常情况，每个月还款$2026.74，第一个月付利息$1500，
即$400000*(0.045%/12)=$1500 （真黑，这时候就不来1.045开12次方了）
还本金526.74；
第二个月付利息$1498.02，还本金$528.72。。。
但如果我第一个月就付$5000，那么第二个月的利息是$1498.02还是要按照
当时欠的钱来重新算利息，即($400000-$3500)*(0.045%/12)=$1486.875的利
息，而还的本金比例就更大了？
上面两种算法的差异到最后挺大的。若是每月利息都是在最开始就算好，那
在能付清贷款之前没有意义多付一分钱；若是每月利息根据欠款数量来动态
计算，那么有点闲钱而有没有收益更高的投资手段时就可以来多还些贷款来
省利息。
给我贷款的人自己也没搞清楚这个问题或者没给我解释清楚。 | i**********o
发帖数: 5993 | 2 按照当时欠的钱来重新算利息, so 还的本金比例就更大了 | X****r
发帖数: 3557 | 3 对
【在 i**********o 的大作中提到】
: 按照当时欠的钱来重新算利息, so 还的本金比例就更大了
| x******n
发帖数: 1328 | 4 那就好。那么除了救急的钱和回报率更好的投资外，普通存款帐号上的
钱就尽量拿来还贷款了。
【在 i**********o 的大作中提到】
: 按照当时欠的钱来重新算利息, so 还的本金比例就更大了
| s********y
发帖数: 3811 | 5 just remember to put the extra into the principal part of ur loan.
【在 x******n 的大作中提到】
: 那就好。那么除了救急的钱和回报率更好的投资外，普通存款帐号上的
: 钱就尽量拿来还贷款了。
| r****m
发帖数: 1204 | 6 If your mortgage's interest rate is 4.5%, because it's tax-deductible, your
effective cost is only ~3%.
Do NOT prepay your mortgage!
Instead, invest your little extra money every month in index funds (pick
funds with no trading commission cost, super low expense, super efficient -
low turnover), don't overlook such little money each month, because after 10
-20 years, you will have sizable amount of investment, and over the long
term, market return should better double of 3%, if not more! | x******n
发帖数: 1328 | 7 你这个就是我的前提里面说的“回报率更高的投资”
但如果一个人已经有很大的类似的投资了，从分散风险的角度，可能会避免
相关系数很大的投资。
还有就是这不是退休帐号上的钱，投资收益也是要交税的，所以还是要和4.5%
而不是和3%比较
your
-
10
【在 r****m 的大作中提到】
: If your mortgage's interest rate is 4.5%, because it's tax-deductible, your
: effective cost is only ~3%.
: Do NOT prepay your mortgage!
: Instead, invest your little extra money every month in index funds (pick
: funds with no trading commission cost, super low expense, super efficient -
: low turnover), don't overlook such little money each month, because after 10
: -20 years, you will have sizable amount of investment, and over the long
: term, market return should better double of 3%, if not more!
| j*e
发帖数: 1987 | 8 风险不同没法比。还贷是零风险里面最高的了，比CD，money market都高。index有亏
的可能。
your
-
10
★ 发自iPhone App: ChineseWeb 7.7
【在 r****m 的大作中提到】
: If your mortgage's interest rate is 4.5%, because it's tax-deductible, your
: effective cost is only ~3%.
: Do NOT prepay your mortgage!
: Instead, invest your little extra money every month in index funds (pick
: funds with no trading commission cost, super low expense, super efficient -
: low turnover), don't overlook such little money each month, because after 10
: -20 years, you will have sizable amount of investment, and over the long
: term, market return should better double of 3%, if not more!
| i**********o
发帖数: 5993 | 9 2 issues in your idea
1. not everyone can deduct mortgage interest
2. investment income is subject to income tax
your
-
10
【在 r****m 的大作中提到】
: If your mortgage's interest rate is 4.5%, because it's tax-deductible, your
: effective cost is only ~3%.
: Do NOT prepay your mortgage!
: Instead, invest your little extra money every month in index funds (pick
: funds with no trading commission cost, super low expense, super efficient -
: low turnover), don't overlook such little money each month, because after 10
: -20 years, you will have sizable amount of investment, and over the long
: term, market return should better double of 3%, if not more!
| l******g
发帖数: 6771 | 10 +1
【在 X****r 的大作中提到】
: 对
| c**********0
发帖数: 624 | 11 buy a financial calculator | a*****n
发帖数: 5158 | 12 如果你不指定将多的钱用到还本金上,
default是提前还清吧，而不是调整本金
比如你第一个月还两个月的，相当于你早一个月还清
【在 i**********o 的大作中提到】
: 按照当时欠的钱来重新算利息, so 还的本金比例就更大了
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