为什么买房要贷款?越贷款就会越赚钱吗?
也许,在大家的潜意识里,当没有能力全款买房的情况下,才会选择贷款买房。但是,聪明的人即使钱再多,也会选择贷款,利用银行的政策创造更多的价值。 今天小编就带您解读一下,为什么买房一定要贷款?贷款其实就是在变相的给您增加收益。
首先,我们要了解两个概念,财务杠杆和现金流。
财务杠杆
总体来看,杠杆的产生是由于固定性成本费用的存在,导致收入的一个微小变化引起利润一个巨大变化。通俗一点来说就是,用比较少的钱买比较贵的东西。在使用杠杆计算投资回报率的时候,我们的分母都是投资的成本。比如,假设一套房100万澳元,全额付款的投资成本就是100万澳元,而首付20%的话,投资成本就是20万澳元。
假设十年后,房产涨到200万澳币,那么全额的投资回报就是100% 即(200-100)/100, 而贷款买房的投资回报率是900% 即(200-20)/20,这就是9倍的差距。这里只是做一个很直观的简单对比,当然贷款买房还要考虑计算利息支出和其他杂费支出的问题。
因为资金有时间价值,它会随着时间的变化而变化。澳洲的通货膨胀率每年平均在1.5%到2%左右,也就是说每年澳币会以1.5%到2%左右的数值贬值,钱会越来越不值钱。房屋的价值会随着市场变化,但当初你所贷的资金是不变的。
即使是通胀也不会变化,这就就能在有通胀的预期下,通过贷一部分款,对冲掉一部分通胀的压力。
现金流
第二个概念就是现金流。贷款能带给你更多的现金流,从而把剩余的钱进行投资或用到更多的地方中去。大多数申请人都是受薪人士,靠着工资收入生活,房贷是一种很好的分配工资收入的支付方式。
申请人可以用于全额买房的钱就可以做一些投资,把更多的钱合理分配在不同的投资产品中,这样申请人就可以有更多的机会参与到不同的理财产品中去。
所以我们可以看出来,其实负债也是一种机遇。买房永远都不晚,也永远都不早。而贷款买房更是可以让您在负债中占得先机的一种投资形式。
利好的贷款政策
现在澳洲本地贷款利息已经低至2.1X%,最高贷款比例高达98%。TR489和491等签证也可以享受本地利息贷款,海外贷款更能享受30年全程低利息。
心动不如行动,如果您对贷款买房感兴趣的话,请及时咨询专业的唯品信贷顾问。
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