我感觉贷款买投资房是给银行打工

我感觉贷款买投资房是给银行打工

比如说贷款44万买个房，每年扣除费用后赚1万，
那大家看看每年银行从你身上赚多少

如果贷款利息是6% 30 Year，从今天开始，到2021年，银行已经赚了24.2万($242,934.82)，

还剩$369,010.16要付

每年从你身上赚了2万多。

结论是，还不如先把存钱当投资，存够了再用现金买

                                                                                    

$2,638.02  $789.03  $1,849.00  $242,934.82  $369,010.16  Jan. 2021

所有跟帖： 

• 是这么回事，岂止是投资房？ -五分店- ♀ (137 bytes) () 01/10/2011 postreply 09:34:10

• 回复：我感觉贷款买投资房是给银行打工 -blocked- ♂ (267 bytes) () 01/10/2011 postreply 09:36:27

• You got the concept wrong -JR98- ♂ (76 bytes) () 01/10/2011 postreply 09:46:09

• Please do correct me. which part is wrong? -win963852741- ♂ (0 bytes) () 01/10/2011 postreply 09:47:54

• You are using -JR98- ♂ (566 bytes) () 01/10/2011 postreply 09:57:24

• I feel bank is not making "some" money -win963852741- ♂ (212 bytes) () 01/10/2011 postreply 10:18:09

• I know what you meant. -JR98- ♂ (221 bytes) () 01/10/2011 postreply 10:42:10

• why would anyone pay 440K cash for one rental property? -黎明新生- ♀ (0 bytes) () 01/10/2011 postreply 19:12:15

• in this case, save money instead of buying a rental -win963852741- ♂ (136 bytes) () 01/10/2011 postreply 10:20:18

• You forgot "money has cost" -JR98- ♂ (32 bytes) () 01/10/2011 postreply 10:44:06

• Let me tell you which part is wrong? :) -天下无马- ♂ (1245 bytes) () 01/10/2011 postreply 10:07:40

• 回复：Let me tell you which part is wrong? :) -blocked- ♂ (152 bytes) () 01/10/2011 postreply 10:21:51

• Many people have cash flows. -天下无马- ♂ (744 bytes) () 01/10/2011 postreply 13:14:36

• 回复：Let me tell you which part is wrong? :) -win963852741- ♂ (80 bytes) () 01/10/2011 postreply 10:22:16

• let us see it in different way -hmo- ♂ (207 bytes) () 01/10/2011 postreply 09:49:47

• Haha. What money would you put in the bank? -sunskitehomes- ♂ (359 bytes) () 01/10/2011 postreply 10:13:29

• sorry, I forgot to say I need to put down 110k up front for down -win963852741- ♂ (79 bytes) () 01/10/2011 postreply 10:15:07

• Then you need to evaluate the return on chosen investment vehicl -sunskitehomes- ♂ (263 bytes) () 01/10/2011 postreply 10:25:11

• that is the cost of doing business... -jy101- ♂ (34 bytes) () 01/10/2011 postreply 10:31:10

• "Double Edge" -JR98- ♂ (90 bytes) () 01/10/2011 postreply 10:45:26

• haha, typing on my phone is bit hard... -jy101- ♂ (0 bytes) () 01/10/2011 postreply 11:18:01

• Do you think that US mortgage system is a fraud? -越王剑- ♂ (280 bytes) () 01/10/2011 postreply 10:35:40

• :) if, only if -天下无马- ♂ (310 bytes) () 01/10/2011 postreply 12:01:16

• He borrowed 440K, earns 10K after interest -sunskitehomes- ♂ (222 bytes) () 01/10/2011 postreply 11:00:52

• I totally agree with you!! -东施爱美- ♀ (0 bytes) () 01/10/2011 postreply 15:29:17

• 幸好李嘉诚当年不是这样想的 -VanSmallLandlord- ♂ (0 bytes) () 01/10/2011 postreply 11:03:47

• 你的时机不好 -深圳拼命- ♂ (503 bytes) () 01/10/2011 postreply 11:07:22

• levered and unlevered return -wisdom101- ♂ (1015 bytes) () 01/10/2011 postreply 11:30:13

• That's more like it! -温馨收租婆- ♀ (83 bytes) () 01/10/2011 postreply 12:02:02

• yes, tax benefit -Wisdom101- ♂ (239 bytes) () 01/10/2011 postreply 12:20:05

• agree, it's all about return on investment! -life_beautiful- ♀ (0 bytes) () 01/10/2011 postreply 12:45:30

• 其实你和银行是Partnership关系， 缺一不可。 -RE8888- ♂ (53 bytes) () 01/10/2011 postreply 12:18:25

• 就是这么回事儿,... -thornbird888- ♂ (0 bytes) () 01/10/2011 postreply 22:31:46

• RE return不是这么算的。 你要加上最后卖出的收入。那部分银行没份。 -wxc1894- ♀ (0 bytes) () 01/10/2011 postreply 13:34:22

• 算术有问题，结论不正确 -关键字- ♂ (545 bytes) () 01/10/2011 postreply 14:03:13

• 要不人家开银行干什么？！ 你慢慢存钱也开个银行。 -sushi63- ♂ (0 bytes) () 01/11/2011 postreply 18:59:10

• 贪心不足蛇吞象 -texastrader- ♂ (67 bytes) () 01/11/2011 postreply 19:26:21

• 存20年,带着白发搬进去?儿女的成长在apartment?读那里的学校?交那里的朋友? -chinanemo- ♀ (78 bytes) () 01/11/2011 postreply 22:46:36

• 我是用银行的钱，等着房子升值。出租的钱只是外快。 -sevenfish- ♂ (0 bytes) () 01/12/2011 postreply 00:11:45

• 等升值到何時? -*x*- ♀ (0 bytes) () 01/14/2011 postreply 10:03:51