40年房貸利息 比20年多1倍
2017/8/10
<p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly; tab-stops: 6.0cm;"><span style="mso-bidi-font-size: 12.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">聯合晚報【游智文】</span></p>
<p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly; tab-stops: 6.0cm;"><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">為搶房貸戶，近期不少銀行推出</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">5</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年寬限期、</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">40</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年房貸專案，住商不動產企劃研究室主任徐佳馨指出，</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">40</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年房貸雖然可讓人輕鬆購屋，但其累計下來的利息要比</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">20</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年房貸多出一倍以上，十分驚人，不一定划算。</span></p>
<p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly; tab-stops: 6.0cm;"><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">台北富邦銀行這兩年趁房市低迷，各銀行房貸放款保守，逆勢操作，大舉進軍整批房貸，日前擠下華南銀行，成為前五大房貸銀行後，掀起新一波公民營銀行搶房貸戶大戰，推出</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">5</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年寬限期、</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">40</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年房貸專案。</span></p>
<p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly; tab-stops: 6.0cm;"><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">徐佳馨表示，</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">40</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年房貸由於拉長還款年限，可大幅降低每月房貸負擔，買屋的確更容易。以借</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">1000</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">萬、固定利息</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">2%</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">計算，如果</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">20</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年本利攤還，每月要給銀行</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">5</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">萬</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">0588</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">元，但用</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">40</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年房貸每月僅需</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">3</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">萬</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">0283</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">元。</span></p>
<p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly; tab-stops: 6.0cm;"><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">不過，天下沒有白吃的午餐，借</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">1000</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">萬元，</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">20</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年房貸總利息約</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">214</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">萬元，</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">40</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年總利息則將達</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">453</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">萬元，將多繳給銀行</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">239</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">萬元。</span></p>
<p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly; tab-stops: 6.0cm;"><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">徐佳馨指出，</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">40</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年房貸在房價上漲的波段中，對短時間內換屋的民眾，因為每月負擔少，若房子能順利轉手，由於持有成本比較低，確實有利。但在目前房地產價格向下修正的過程中，</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">40</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年房貸除了利息成本外，房價修正成本可能更為驚人，購屋者不可不注意。</span></p>
<p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly; tab-stops: 6.0cm;"><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">瑞普萊坊市場研究部副總監黃舒衛表示，目前房貸市場的確有利率超低、成數高、寬限期長、貸款年數長等四大特殊環境，買方會有先進場再說，反正住不了多久就賣掉，不會有太多利息負擔的心態。但如果房價不漲、利率不跌，屋主很可能掉進賣屋賠錢還加利息的窘境，而且本利攤提的繳法，前面</span><span style="font-size: 13.5pt; font-family: Arial, sans-serif;" lang="EN-US">15</span><span style="font-size: 13.5pt; font-family: 微軟正黑體, sans-serif;">年的月付金有超過三分之一是在繳息，其實不如想像的輕鬆。</span></p>
<p class="MsoNormal" style="margin-top: 9pt; line-height: 23pt; text-align: center;"><img src="https://pgw.udn.com.tw/gw/photo.php?u=https://uc.udn.com.tw/photo/2017/08/10/6/3860221.jpg&x=0&y=0&sw=0&sh=0&sl=W&fw=1050&exp=3600" alt="各銀行搶食房貸大餅狀況資料來源／內政部不動產資訊平台資料彙整／屋比趨勢研..." /></p>
