沒還房貸的一年
收到章魚銀行2022年的房貸年結單,水星熊還是第一次收到全年都沒有還過房貸、只有利息和保險的statement 😋
因為之前把大部分的本金都提前還完了,剩下的幾千元欠款雖然已經準備好了資金,不過打算回國退休有時間處理手續時才清還。2022年雖然昇了幾次息,欣慰房貸的利息還能保持在每天1元以下。
提到房貸,總會分成應該和不應該提早償還的兩派人,一派認為無債一身輕、有餘力的話越早清還越好;另一派則認為不必把資金都拿去還利率相對低的房貸,只要有能力找到回酬率高過房貸利息的投資項目,就把錢拿去投資會更好。
兩派的說法其實都有其道理,也沒有對錯之分。個人比較傾向前者,也是艾爾文的做法,因為除了數字上的單純比較,看不到的心理層面的因素也是必需考慮的,拿還房貸的錢去投資,基本上就是借錢投資的一種,有沒有能力駕馭,在有借貸負擔的壓力下,長期維持高於利息的回酬率,就見仁見智了。
自己或許是被傳統思想影響,也可能是習慣了打工族而非老闆的思維,不想退休後還得每個月為龐大的貸款操心,所以選擇了提早清還。
不算最後這筆故意等待不還的欠款,可以在5-6年的時間解除35年的房貸負擔,期間還可以保留投資的餘力,讓股息薪水持續增加,或許沒有最大化的使用資金,但個人已經心滿意足。
做隻知足常樂熊 🐻
著作網購鏈接(馬來西亞):《打工族股息路》
著作網購鏈接(新加坡):《打工族股息路》SG
大眾書局網購鏈接 :大眾書局網購鏈接
http://mercurychong.blogspot.com/2023/01/blog-post_11.html
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