财务自由 Escape The Rat Race
Thursday, August 06, 2009
昨天在诊所的时候读了我报。我觉得其中一篇文章很有教育价值，所以决定把它发表在这里。
无债一身轻？
相信很多人都以为贷款不是好事，而且许多人都有着应该尽早还清贷款的观念，对吧？然而，很多人都不知道，贷款有分“良好贷款”和“不良贷款”。
任何与消费有关的贷款都不是良的。因为消费品的价值会随着时间减少，如果你为了买消费品而贷款，并支付利息，你其实已蒙受金钱损失。例如，4年前一台平面电视机的售价可能是$8000，如果你以4年分期付款购买那台电视机，当你付清款项时，同样款式的电视机的售价可能已下跌到$2000。
为了促销产品，分期付款是商家惯用的促销手段。所以，要做的精明的消费者，你就必须记住，任何与消费有关的贷款都是不良的。如果你没钱，那就先别买。
相反的，任何贷款如果能让你赚取超过贷款利息的款项，便是良好贷款。最常见的良好贷款是企业贷款和房屋贷款。当企业要扩充业务时需要额外资金，就会贷款。如果扩充生意所赚取的钱比贷款的利息来的多，那么这笔到款便是良好的。同样地，如果你想买房子，却没有足够的现金和公积金，你也可通过房屋贷款实现拥有房子的梦想。
30年前，一间5方式的祖屋售价约$100,000，如果当时你因为没有足够的钱而不买祖屋，那么30年后，同样的祖屋，售价可能已涨到$400,000了。如果当初你选择房屋贷款80%，也就是$80,000，假设年利息是5%，30年贷款期，你所支付的利息总额是$74,604。那么你所还给银行的款项连本带利为$154,604。与目前的售价相比，你是“赚到”了。
一般人可能认为房屋贷款利息高，因此要尽快偿还。然而，如果你懂得将多余的钱留在手上，用作适当的投资，让钱生钱，你也许会更早达到财务自由。
I bought my papers from home and read it while at the polyclinic yesterday. Came by an article which has educational value and decided to blog on it.
Does having no loan equates a good finanical health?
A lot of people think that taking up loans is something shameful and many people have the mentality that it is best to repay the loan as soon as possible, right? However, what many people don't know is that loans can be categorised into "good loans" and "bad loans".
What are bad loans? Any loan that is related to consumer goods is bad. Because the value of consumer goods depreciates with time, so if you take up a loan just to buy that "camera" or "LCD tv", you are actually making a loss already. For example, a flat screen tv set costs $8000 4 years ago. If you take up a 4-year installment plan for it, when you finally finished repaying the loan, the price of the same tv model would have dropped to $2000.
To market and promote their products, payment by installments is the most well-known marketing strategy used by sellers. Hence, to be a well-informed consumer, you must bear in mind that any loan related to consumer goods is bad. If you don't have the cash, then don't buy now.
On the other hand, loans that allow you to earn more than what you need to pay for interest are good loans. The most common good loans are cooperate loans and housing loans. It requires additonal capital when businesses are to be expanded, this is when cooperate loan comes in. If the expected revenue from the business expansion is more than the interest of the loan, then it is a good loan. Similarly, if you would like to buy a flat but you do not have enough cash and CPF, you should take up a housing loan to fulfill your dream of owning a flat.
30 years ago, a 5-room flat would cost around $100,000. If you didn't buy the flat because you didn't have enough money, then 30 years later, which is now, the same flat would have probably risen to $400,000. Had you taken up a housing loan for 80% for the flat, which would be $80,000, and assuming the interest to be 5% and the loan period to be 30 years, the interest you would have paid is $74,604. Then the entire sum you would need to repay to the bank would be $154,604. Comparing with the market value now, you would have "earned" a lump sum already.
Most people probably think that the interest for housing loan is high, so the sooner the repayment the better. However, if you know how to utilise excess money you have with you; use it for wise investments and let the sum of money grow and multiply, you can look forward to escape the rat race earlier.Labels: Dailys, Rat race
It was a love story @ 09:59
baby,just say yes.
