我的資金夠買房(自住)嗎？ 該早點買還是晚一點買？ 自己來算算看吧

第一步：輸入基本資料 結果1. 有買房的情況，退休時

在黃色的格子可以填入數字 65歲退休時共存下
自己的現狀
開始投資年紀 30 年齡 每年投入 開支
初始資金 0
每年可投資的資金 600000 30 0 0
報酬率 5% 31 600000 0
預計退休年齡 65 32 600000 0
33 600000 0
買房設定 34 600000 0
幾歲開始買房 35 35 600000 -3000000
房價總金額 10000000 36 600000 -424942
頭期款(通常是3成) 3000000 37 600000 -424942
貸款金額 7000000 38 600000 -424942
貸款利率 2% 39 600000 -424942
還款年 20 40 600000 -424942
每月還款(固定本+息) $35,412 41 600000 -424942
每年還款 $424,942 42 600000 -424942
注意：房價太高存的錢太少會入不敷出哦 43 600000 -424942
44 600000 -424942
晚幾年買房設定 45 600000 -424942
晚幾年買房?(先用租的) 5 46 600000 -424942
租一個月多少的房子? 15000 47 600000 -424942
備註：頭幾年先用租房取代買房 48 600000 -424942
49 600000 -424942
資料整理：Mr.Market市場先生 50 600000 -424942
部落格 看更多投資好文 http://www.rich01.com/ 51 600000 -424942
追蹤FB粉絲團最新文章 粉絲團連結 52 600000 -424942
有問題可以加Line討論 我的Line連結 53 600000 -424942
54 600000 -424942
提醒幾個實務操作會遇到的問題： 55 600000 -424942
1. 實務上資金不可能100%全部都投資在市場中 56 600000 0
2. 實務上報酬率每年會高低起伏，不會每年相同 57 600000 0
58 600000 0
希望這份資料能幫你早日達成財務目標 :) 59 600000 0
60 600000 0
61 600000 0
62 600000 0
63 600000 0
64 600000 0
65 600000 0
66 0 0
 67 0 0
68 0 0
69 0 0
70 0 0
71 0 0
72 0 0
73 0 0
74 0 0
75 0 0
76 0 0
77 0 0
78 0 0
79 0 0
80 0 0
81 0 0
82 0 0
83 0 0
84 0 0
85 0 0
86 0 0
87 0 0
88 0 0
89 0 0
90 0 0
91 0 0
92 0 0
93 0 0
94 0 0
95 0 0
96 0 0
97 0 0
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99 0 0
100 0 0
101 0 0
102 0 0
103 0 0
104 0 0
105 0 0
106 0 0
107 0 0
108 0 0
109 0 0
110 0 0
111 0 0
112 0 0
113 0 0
114 0 0
115 0 0
116 0 0
117 0 0
118 0 0
119 0 0
120 0 0
121 0 0
122 0 0
123 0 0
來算算看吧

房的情況，退休時會存下多少錢？ 結果2. 晚5年買房，多存多少錢？(

歲退休時共存下1834萬元 65歲退休時共存下2256
晚5年買房，多存422
累積資金 實存金額 累積開支 年齡 每年投入 開支 累積資金

0 0 0 30 0 0 0
600000 600000 0 31 600000 0 600000
1230000 1200000 0 32 600000 0 1230000
1891500 1800000 0 33 600000 0 1891500
2586075 2400000 0 34 600000 0 2586075
315379 3000000 -3000000 35 600000 -180000 3135379
506206 3600000 -3424942 36 600000 -180000 3712148
706574 4200000 -3849884 37 600000 -180000 4317755
916961 4800000 -4274826 38 600000 -180000 4953643
1137867 5400000 -4699768 39 600000 -180000 5621325
1369818 6000000 -5124710 40 600000 -3000000 3502391
1613367 6600000 -5549652 41 600000 -424942 3852569
1869093 7200000 -5974594 42 600000 -424942 4220255
2137606 7800000 -6399536 43 600000 -424942 4606326
2419544 8400000 -6824478 44 600000 -424942 5011700
2715579 9000000 -7249420 45 600000 -424942 5437343
3026416 9600000 -7674362 46 600000 -424942 5884268
3352795 10200000 -8099304 47 600000 -424942 6353540
3695493 10800000 -8524246 48 600000 -424942 6846275
4055326 11400000 -8949188 49 600000 -424942 7363647
4433150 12000000 -9374130 50 600000 -424942 7906887
4829865 12600000 -9799072 51 600000 -424942 8477289
5246417 13200000 -10224014 52 600000 -424942 9076212
5683796 13800000 -10648956 53 600000 -424942 9705080
6143043 14400000 -11073898 54 600000 -424942 10365392
6625253 15000000 -11498840 55 600000 -424942 11058720
7556516 15600000 -11498840 56 600000 -424942 11786714
8534342 16200000 -11498840 57 600000 -424942 12551108
9561059 16800000 -11498840 58 600000 -424942 13353721
10639112 17400000 -11498840 59 600000 -424942 14196465
11771068 18000000 -11498840 60 600000 -424942 15081346
12959621 18600000 -11498840 61 600000 0 16435414
14207602 19200000 -11498840 62 600000 0 17857184
15517982 19800000 -11498840 63 600000 0 19350044
16893881 20400000 -11498840 64 600000 0 20917546
18338575 21000000 -11498840 65 600000 0 22563423
19255504 21000000 -11498840 66 0 0 23691594
 20218279 21000000 -11498840 67 0 0 24876174
21229193 21000000 -11498840 68 0 0 26119983
22290653 21000000 -11498840 69 0 0 27425982
23405186 21000000 -11498840 70 0 0 28797281
24575445 21000000 -11498840 71 0 0 30237145
25804217 21000000 -11498840 72 0 0 31749002
27094428 21000000 -11498840 73 0 0 33336452
28449149 21000000 -11498840 74 0 0 35003275
29871607 21000000 -11498840 75 0 0 36753438
31365187 21000000 -11498840 76 0 0 38591110
32933446 21000000 -11498840 77 0 0 40520666
34580119 21000000 -11498840 78 0 0 42546699
36309125 21000000 -11498840 79 0 0 44674034
38124581 21000000 -11498840 80 0 0 46907736
40030810 21000000 -11498840 81 0 0 49253123
42032350 21000000 -11498840 82 0 0 51715779
44133968 21000000 -11498840 83 0 0 54301568
46340666 21000000 -11498840 84 0 0 57016646
48657700 21000000 -11498840 85 0 0 59867478
51090585 21000000 -11498840 86 0 0 62860852
53645114 21000000 -11498840 87 0 0 66003895
56327370 21000000 -11498840 88 0 0 69304090
59143738 21000000 -11498840 89 0 0 72769294
62100925 21000000 -11498840 90 0 0 76407759
65205971 21000000 -11498840 91 0 0 80228147
68466270 21000000 -11498840 92 0 0 84239554
71889583 21000000 -11498840 93 0 0 88451532
75484062 21000000 -11498840 94 0 0 92874109
79258266 21000000 -11498840 95 0 0 97517814
83221179 21000000 -11498840 96 0 0 102393705
87382238 21000000 -11498840 97 0 0 107513390
91751350 21000000 -11498840 98 0 0 112889059
96338917 21000000 -11498840 99 0 0 118533512
101155863 21000000 -11498840 100 0 0 124460188
106213656 21000000 -11498840 101 0 0 130683197
111524339 21000000 -11498840 102 0 0 137217357
117100556 21000000 -11498840 103 0 0 144078225
122955584 21000000 -11498840 104 0 0 151282136
129103363 21000000 -11498840 105 0 0 158846243
135558531 21000000 -11498840 106 0 0 166788555
142336458 21000000 -11498840 107 0 0 175127983
149453281 21000000 -11498840 108 0 0 183884382
156925945 21000000 -11498840 109 0 0 193078601
164772242 21000000 -11498840 110 0 0 202732531
173010854 21000000 -11498840 111 0 0 212869158
181661397 21000000 -11498840 112 0 0 223512616
190744466 21000000 -11498840 113 0 0 234688247
200281690 21000000 -11498840 114 0 0 246422659
210295774 21000000 -11498840 115 0 0 258743792
220810563 21000000 -11498840 116 0 0 271680982
231851091 21000000 -11498840 117 0 0 285265031
243443646 21000000 -11498840 118 0 0 299528282
255615828 21000000 -11498840 119 0 0 314504696
268396619 21000000 -11498840 120 0 0 330229931
281816450 21000000 -11498840 121 0 0 346741428
295907273 21000000 -11498840 122 0 0 364078499
310702636 21000000 -11498840 123 0 0 382282424
多少錢？(前幾年以租代買)
存下2256萬元
多存422萬元
實存金額 累積開支

0 0
600000 0
1200000 0
1800000 0
2400000 0
3000000 -180000
3600000 -360000
4200000 -540000
4800000 -720000
5400000 -900000
6000000 -3900000
6600000 -4324942
7200000 -4749884
7800000 -5174826
8400000 -5599768
9000000 -6024710
9600000 -6449652
10200000 -6874594
10800000 -7299536
11400000 -7724478
12000000 -8149420
12600000 -8574362
13200000 -8999304
13800000 -9424246
14400000 -9849188
15000000 -10274130
15600000 -10699072
16200000 -11124014
16800000 -11548956
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18600000 -12398840
19200000 -12398840
19800000 -12398840
20400000 -12398840
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21000000 -12398840
21000000 -12398840
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21000000 -12398840
21000000 -12398840
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21000000 -12398840
21000000 -12398840
21000000 -12398840
21000000 -12398840
21000000 -12398840