【2018銀行個人房屋貸款比較】房貸別傻傻還!學有錢人這樣做,讓銀行從你的債主變金主

【2018銀行個人房屋貸款比較】房貸別傻傻還!學有錢人這樣做,讓銀行從你的債主變金主

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想創業、買房、修繕老屋,還是買車、結婚,甚至資金周轉、投資理財,常常感覺手邊現金不足,跟親友借錢、等存夠了錢,好像都不是辦法;向銀行申請貸款,產品又琳瑯滿目,不知道哪家的利率最低、最好貸、能貸多少?

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鉅軒代書幫你整理主要銀行的房貸產品,從貸小額的10萬元到大額的300萬元,絕對有符合你的方案,有時候產品名稱跟你的八字很合,說不定真的能讓你度過難關、成功創業或娶得美嬌娘。凡是沒有不可能,也不要輕易說不,多比較、多精打細算,小心謹慎理財,成為富爸爸不會永遠只是做夢。

很多人在比較房貸的時候,都以最低利率為主,讓自己要付出的借貸成本盡可能降到最低。這樣也沒錯,但其實這並不是每個人都適用這個房貸選擇標準,對於有資金需求的人來說,最好的房貸方案可能是「理財型房貸」。

當然,理財型房貸適用的人不多,所以知道的人也就比較少,但是因為這種房貸對於有資金調度需求的人而言,是一個不錯的工具,所以還是介紹給大家,至於適不適合你自己,或是要不要使用這種房貸,就由讀者們自己做決定了。

什麼叫做理財型房貸呢?簡單來說,就是你可以把已經還掉的本金部份,再借出來用。大家都知道,銀行最主要的功能並不是讓你存錢,而是讓你借錢,但是一般的消費性貸款,利率又很高,而且還有作業成本,甚至每次都還要把所得資料讓銀行做信用評分,分數太低的話能借的額度也很低。

不過,如果你申請的是理財型房貸,假設你原本借了1千萬,目前已經還了3百萬,這3百萬的部份會變成一個循環額度,你可以隨時動用,而且按日計算利息,用存摺到銀行或用金融卡在ATM就可以直接提領。

為什麼可以這麼方便?因為你當初申請房貸的時候,借的1千萬,其實是拿至少等於1千萬價值的房子去抵押的,而在你還掉了3百萬之後,你的抵押物有1千萬的價值,但是卻只剩下7百萬的借款,這時候再借你3百萬,對銀行來說風險並不算太大,反而還可以賺利息。

只知道存錢不會變成有錢人,但是有錢人大多知道知道怎麼利用槓桿(融資、借貸、質押…)讓自己的資產成長。

所以假設台股腰斬,從現在的近萬點跌到剩下5千點,你該怎麼做呢?

你可以透過理財型房貸,去借出3百萬,拿去買台灣五十的ETF,等到台股漲回到8千點,你已經有六成的獲利了。而你的借貸有利息(大約3-5%左右),不過台股一向是一個高殖利率的市場,所以你真正要承擔的利息並不高,甚至股息拿來付利息都還有剩。

當然,投資一定有風險,沒有人能保證5千點不會再跌到2千點,也沒有人能保證5千點漲回8千點要花多少的時間,像是金融海嘯就從9千多點跌到4千點以下,而從谷底爬回4千點以上則花了一年,這種情節在未來不會重演,而會有另一套劇本。

只能買股票嗎?當然不是,理財房貸的額度,可以拿來買車子、可以拿來當成第二間房子的頭期款、可以在想換一套好傢俱但是年終獎金還沒入帳之前就領錢可以先買。換句話說,你擁有一個利率不會太高、動用很簡便的資金來源,而這就是理財型房貸的特點。

如果你決定要使用理財型房貸,也要留意以下風險或成本:

1、理財型房貸的房貸利率比一般優惠房貸還要高。(約1%~1.25%)
2、理財型房貸的額度來自你已經還款的本金,加上你額外提前還款的本金,所以如果你還款的金額少,這個額度就會小到跟沒有一樣。
3、理財型房貸動用額度的利息可能低於大多數消費型貸款和信用貸款,但是如果借款金額高、利率也不算低,累積下來也很可觀,最好不要動用太久。
4、動用的額度其實是來自房貸抵押物的價值,所以請不要拿去做沒有把握的運用,以免還不出錢反而造成抵押物被拍賣才還得起錢。
5、留意升息之後,理財型房貸現在看起來很不錯的利率,將來會變得沒那麼有吸引力。
6、留意銀行的特殊規定,例如有的銀行要求不得將理財型房貸的貸款拿來投資房地產。
7、應該先確認自己是否有足夠的還款能力,因為會有原本的房貸,以及你所動用的新貸款,兩者都需要償還。

理財型房貸是一種進階的貸款行為,可以讓你在資金運用上更有彈性,甚至讓你在機會來臨的時候,例如股災來臨、朋友創業想入股,也可以跟巴菲特一樣喊著:「我還有點錢。」然而,槓桿使用妥當固然可以讓資產增加,但也不得不提醒你,一定要先檢視自己的風險承受度。

★最為現實的薪水管理方法?職場過來人告訴你:「把自己當提款機用才是最笨的!」


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CORAL Position Statement- International Panel on Climate Change (IPCC) Releases Special Report on the Impacts of Global Warming of 1.5° C Background: On October 8th, the IPCC issued its special report on the impacts of global climate change on nature and society. Specifically, the IPCC examined the results of warming of 1.5°C above pre-industrial levels in the context of the global response to the threat of climate change, sustainable development, and efforts to eradicate poverty. The report can be found at http://www.ipcc.ch/report/sr15/. The report paints a grim picture of the consequences of climate change if the earth’s temperature rises by even 0.5°C and further states that rising temperatures will result in food shortages, more wildfires, and—of particular interest to us at the Coral Reef Alliance (CORAL)—a mass die-off of coral reefs as soon as 2040. Additionally, the report points out that the effects of climate change will not be disbursed uniformly across the globe. Rising temperatures will have a disproportionate impact on the poor as well as developing and island nations. CORAL works closely with many such communities around the world to implement solutions that are win-wins for both reefs and people. Many media outlets have covered the release of this report, and many have focused on the predictions of devastating effects to coral reefs. Some of the reports have shared inaccurate data about the current state of coral reefs and very few media outlets have publicized the work being done by CORAL and countless other conservation organizations around the world to save coral reefs. Statement from Madhavi Colton, Ph.D., Program Director of the Coral Reef Alliance (CORAL): The IPCC’s special report is an urgent wake-up call for action. To save coral reefs, we must act on two fronts: we must swiftly and drastically lower greenhouse emissions while simultaneously effectively reducing local stresses to reefs, such as from land-based sources of pollution and overfishing. Without effective action on both fronts in the next 20 years, we could be facing a world without functional coral reefs. CORAL has developed innovative, scientific solutions to meet this challenge. The effects of losing an entire ecosystem would be devastating. A quarter of all marine life depends on coral reefs, and over 500 million people around the world rely on coral reefs for food security, economic well-being, and cultural identity. Goods and services—like tourism and fishing—derived from coral reefs have an estimated value of US$375 billion a year. Coral reefs are also critical for protecting coastal communities from wave action, erosion, and tropical storms. The world needs coral reefs, and decisive action will help ensure that we do not face a future without them. Many coral reefs around the globe are in a state of decline. Some recent reports in the media have stated that we have lost 50 percent of the world’s reefs already. The truth is more complicated. The combination of rising ocean temperatures and local reef threats has resulted in the loss of 50 percent of reef-building corals (as opposed to coral reefs) over the past 30 years and placed an estimated one-third of reef-building corals at risk of extinction. The good news is that there is hope for corals and coral reefs. A growing body of scientific research shows that corals and their algal symbionts can adapt to warming oceans, but little is known about whether corals can adapt fast enough to keep up with the pace of climate change. Without this crucial information, pessimism can prevail, undermining motivation to implement effective conservation actions and governmental policies. CORAL is developing a new, scalable solution to meet the crisis facing our reefs, as described in the IPCC report, that will fill this knowledge gap. In partnership with world-class researchers, we are spearheading a multidisciplinary research project that is improving our understanding of how corals evolve in response to rising temperatures. We are using this scientific information to develop regional-scale conservation plans that we are implementing in collaboration with local communities in Fiji, Honduras, Indonesia and Hawai‘i. Our scientific research shows that the best way to give corals a fighting chance is by facilitating the natural process of evolutionary rescue. Evolutionary rescue happens when a population in decline is able to survive because individuals that are naturally better suited to deal with new conditions breed to regrow the population. In essence, evolution rescues the population before it goes extinct. We have used our scientific research to define the attributes of networks that increase the probability of evolutionary rescue. We call these networks “Adaptive Reefscapes”. An Adaptive Reefscape is a network of healthy reefs that is diverse, connected, and large.  To learn more about Adaptive Reefscapes go to: https://coral.org/adapt/. A key element of Adaptive Reefscapes is that they are based on portfolio theory—the idea that investing in a diverse range of options for the future increases the chances for success. This contrasts with other approaches that use inherently uncertain forecasts to focus conservation efforts on particular geographic locations and/or species. Such strategies are intrinsically risky. Adaptive Reefscapes also contrasts with approaches that are over-reliant on technology which, given the short window of time and resource constraints, are unlikely to achieve meaningful results for reefs at a global scale. Given the rapid pace of climate change and its drastic effects, we can no longer rely on standard approaches to conservation that assume we know what the future will bring or that strive to return systems to the way they once were. We need innovative solutions that instead embrace the idea of change and harness evolutionary power. To address the crisis we face, we need a solution that can scale globally in a relatively short period and with limited resources. At CORAL, we have that solution. Find out how you can get involved and learn more at www.coral.org. [caption id="attachment_1008" align="alignnone" width="1000"] A yellow clownfish (Amphiprion sandaracinos) peeks out from within a Merten's carpet sea anenome (Stichodactyla mertensii) in Indonesia. Photo by: Jeff Yonover[/caption] About Dr. Madhavi Colton: As CORAL’s Program Director, Dr. Madhavi Colton oversees an international portfolio of community-driven conservation programs that are addressing local threats to reefs, including over-fishing, poor water quality, sedimentation, and habitat destruction. Madhavi is also spearheading new scientific research into how ecosystems adapt to the effects of anthropogenic climate change and is applying this knowledge to develop innovative approaches to coral conservation around the world. Her expertise lies in building partnerships between academic researchers, conservation organizations, governments and local communities to implement durable solutions to conservation. She has worked in California, Hawai‘i, the Mesoamerican region, Indonesia, Fiji and Australia. Dr. Colton has a Ph.D. in Marine Ecology from the University of Melbourne, Australia. About the Coral Reef Alliance (CORAL) Headquartered in Oakland, California with field offices in Hawai‘i, Fiji, Indonesia and Honduras, CORAL unites communities to save coral reefs. Working with local people, communities, and partners—from fishermen and government leaders to divers to scientists—CORAL protects one of our most valuable and threatened ecosystems. International teams design long-term and lasting conservation programs that reduce local threats to coral reefs and are replicated across the globe. For more information about CORAL or to donate to protect coral reefs, visit www.coral.org. FILED UNDER: PRESS RELEASES TAGGED WITH: CLIMATE CHANGE, CORAL,CORAL REEFS, INTERNATIONAL PANEL ON CLIMATE CHANGE, IPCC REPORT Working with people around the world—from fishermen to government leaders, divers to scientists, Californians to Fijians—the Coral Reef Alliance protects our most valuable and threatened ecosystem. We lead holistic conservation programs that improve coral reef health and resilience and are replicated across the globe.