只付"利息"房屋贷款融资

偷菜高手

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   for what i know , after 5 year , we service interests and pay back the princ ...
tescopuchong 发表于 10-3-2011 10:38 AM

所以，银行成为大赢家，稳赚5年利息(fixed rate)，再赚25年利息（reducing balance)。

这个配套是这样吗：例 ：贷款RM300k，利率6%，偿还期30年。头5年只供利息共90k，5年后本金还欠RM300k，等于没供到，只白白付银行利息，然后再以25年偿还，每月供RM1933。

tescopuchong

90000 / 12 mth / 5 years = 1500 / mths @ 6%
rent jalan ampang apartment RM3000/mths fully furnished

so
2000 rental -1500 installment = 500 profit/mth x 12mx5y= 30k rental received
appreciation of property 300k x 130% = 390k - 300k = 90k

actual profit 90k+30k = 120k is just estimation, don't forget your
lawyer fees and loan lawyer fees come to 5% of 300k = 15k

but make sure the location is very very good location, otherwise it is
nightmare to buyer, i did joined Axxx, the proposed property in klcc is
a very "bad" property.

tescopuchong

银行 always is the winner, from developer,land,contractor until buyer,
who don't want to borrow money.

tigerbank

嘻， 其实不能说bank赢完啦。。bank借你钱，你才有钱去投资啊。
如果你买一间 500k的屋子， 拿FLEXI OD PACKAGE， 先还五年利息，手头上有５００k cash ，头期如果给５０k的话，拿就可以买十间500K的屋子咯。。如果是DIBS SCHEME， 你根本不用还利息，当屋子起好了，然后卖出去。。你都赚了啦。。
就好象犹太人所说的，要会尽量利用借。。借人家的钱去帮你赚更多的钱。。其实是双方都赢。。