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日付50元專案 到底是小資族方案還是高利貸方案?
Jun 23rd 2014, 14:45

1.年利率=4.92%
2.首年月付低於利息(換句話說首年越繳餘額越多)
3.攤銷表如下
期數 60 
利率(年)4.92%
月利率0.41%
借款總額 499,000 

24,713 <=一年滿期已繳利息
-6,713 <=一年滿期已還本金
18,000 <=一年滿期合計本利和
505,713 <=一年滿期一筆還清金額

期數月付(期末)當期利息當期本金貸款餘額(期末繳款後)
11500 2,047 -547 499,547 
21500 2,049 -549 500,096 
31500 2,051 -551 500,647 
41500 2,054 -554 501,201 
51500 2,056 -556 501,757 
61500 2,058 -558 502,315 
71500 2,060 -560 502,876 
81500 2,063 -563 503,438 
91500 2,065 -565 504,004 
101500 2,067 -567 504,571 
111500 2,070 -570 505,141 
121500 2,072 -572 505,713 
137850 2,074 5,776 499,937 
147850 2,051 5,799 494,138 
157850 2,027 5,823 488,315 
167850 2,003 5,847 482,468 
177850 1,979 5,871 476,597 
187850 1,955 5,895 470,702 
197850 1,931 5,919 464,783 
207850 1,907 5,943 458,839 
217850 1,882 5,968 452,871 
227850 1,858 5,992 446,879 
237850 1,833 6,017 440,862 
247850 1,808 6,042 434,821 
257850 1,784 6,066 428,754 
267850 1,759 6,091 422,663 
277850 1,734 6,116 416,547 
287850 1,709 6,141 410,405 
297850 1,683 6,167 404,239 
307850 1,658 6,192 398,047 
317850 1,633 6,217 391,830 
327850 1,607 6,243 385,587 
337850 1,582 6,268 379,319 
347850 1,556 6,294 373,025 
357850 1,530 6,320 366,705 
367850 1,504 6,346 360,359 
377850 1,478 6,372 353,987 
387850 1,452 6,398 347,589 
397850 1,426 6,424 341,165 
407850 1,399 6,451 334,715 
417850 1,373 6,477 328,238 
427850 1,346 6,504 321,734 
437850 1,320 6,530 315,204 
447850 1,293 6,557 308,647 
457850 1,266 6,584 302,063 
467850 1,239 6,611 295,452 
477850 1,212 6,638 288,814 
487850 1,185 6,665 282,148 
497850 1,157 6,693 275,456 
507850 1,130 6,720 268,736 
517850 1,102 6,748 261,988 
527850 1,075 6,775 255,213 
537850 1,047 6,803 248,410 
547850 1,019 6,831 241,579 
557850 991 6,859 234,720 
567850 963 6,887 227,832 
577850 935 6,915 220,917 
587850 906 6,944 213,973 
597850 878 6,972 207,001 
607850 849 7,001 200,000 

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