|
회차 | 상환금(원금+이자) | 납입원금 | 이자 | 납입원금누계 | 잔금 |
---|---|---|---|---|---|
1 | 1,350,000 | - | 1,350,000 | - | 300,000,000 |
2 | 1,356,900 | 6,900 | 1,350,000 | 6,900 | 299,993,100 |
3 | 1,363,800 | 13,831 | 1,349,969 | 20,731 | 299,979,269 |
4 | 1,370,700 | 20,793 | 1,349,907 | 41,524 | 299,958,476 |
5 | 1,377,600 | 27,787 | 1,349,813 | 69,311 | 299,930,689 |
6 | 1,384,500 | 34,812 | 1,349,688 | 104,123 | 299,895,877 |
7 | 1,391,400 | 41,869 | 1,349,531 | 145,992 | 299,854,008 |
8 | 1,398,300 | 48,957 | 1,349,343 | 194,949 | 299,805,051 |
9 | 1,405,200 | 56,077 | 1,349,123 | 251,026 | 299,748,974 |
10 | 1,412,100 | 63,230 | 1,348,870 | 314,256 | 299,685,744 |
11 | 1,419,000 | 70,414 | 1,348,586 | 384,670 | 299,615,330 |
12 | 1,425,900 | 77,631 | 1,348,269 | 462,301 | 299,537,699 |
13 | 1,432,800 | 84,880 | 1,347,920 | 547,181 | 299,452,819 |
14 | 1,439,700 | 92,162 | 1,347,538 | 639,343 | 299,360,657 |
15 | 1,446,600 | 99,477 | 1,347,123 | 738,820 | 299,261,180 |
16 | 1,453,500 | 106,825 | 1,346,675 | 845,645 | 299,154,355 |
17 | 1,460,400 | 114,205 | 1,346,195 | 959,850 | 299,040,150 |
18 | 1,467,300 | 121,619 | 1,345,681 | 1,081,470 | 298,918,530 |
19 | 1,474,200 | 129,067 | 1,345,133 | 1,210,536 | 298,789,464 |
20 | 1,481,100 | 136,547 | 1,344,553 | 1,347,084 | 298,652,916 |
21 | 1,488,000 | 144,062 | 1,343,938 | 1,491,146 | 298,508,854 |
22 | 1,494,900 | 151,610 | 1,343,290 | 1,642,756 | 298,357,244 |
23 | 1,501,800 | 159,192 | 1,342,608 | 1,801,948 | 298,198,052 |
24 | 1,508,700 | 166,809 | 1,341,891 | 1,968,757 | 298,031,243 |
25 | 1,515,600 | 174,459 | 1,341,141 | 2,143,216 | 297,856,784 |
26 | 1,522,500 | 182,144 | 1,340,356 | 2,325,361 | 297,674,639 |
27 | 1,529,400 | 189,864 | 1,339,536 | 2,515,225 | 297,484,775 |
28 | 1,536,300 | 197,619 | 1,338,681 | 2,712,844 | 297,287,156 |
29 | 1,543,200 | 205,408 | 1,337,792 | 2,918,251 | 297,081,749 |
30 | 1,550,100 | 213,232 | 1,336,868 | 3,131,483 | 296,868,517 |
31 | 1,557,000 | 221,092 | 1,335,908 | 3,352,575 | 296,647,425 |
32 | 1,563,900 | 228,987 | 1,334,913 | 3,581,562 | 296,418,438 |
33 | 1,570,800 | 236,917 | 1,333,883 | 3,818,479 | 296,181,521 |
34 | 1,577,700 | 244,883 | 1,332,817 | 4,063,362 | 295,936,638 |
35 | 1,584,600 | 252,885 | 1,331,715 | 4,316,247 | 295,683,753 |
36 | 1,591,500 | 260,923 | 1,330,577 | 4,577,170 | 295,422,830 |
37 | 1,598,400 | 268,997 | 1,329,403 | 4,846,167 | 295,153,833 |
38 | 1,605,300 | 277,108 | 1,328,192 | 5,123,275 | 294,876,725 |
39 | 1,612,200 | 285,255 | 1,326,945 | 5,408,530 | 294,591,470 |
40 | 1,619,100 | 293,438 | 1,325,662 | 5,701,968 | 294,298,032 |
41 | 1,626,000 | 301,659 | 1,324,341 | 6,003,627 | 293,996,373 |
42 | 1,632,900 | 309,916 | 1,322,984 | 6,313,543 | 293,686,457 |
43 | 1,639,800 | 318,211 | 1,321,589 | 6,631,754 | 293,368,246 |
44 | 1,646,700 | 326,543 | 1,320,157 | 6,958,297 | 293,041,703 |
45 | 1,653,600 | 334,912 | 1,318,688 | 7,293,210 | 292,706,790 |
46 | 1,660,500 | 343,319 | 1,317,181 | 7,636,529 | 292,363,471 |
47 | 1,667,400 | 351,764 | 1,315,636 | 7,988,293 | 292,011,707 |
48 | 1,674,300 | 360,247 | 1,314,053 | 8,348,541 | 291,651,459 |
49 | 1,681,200 | 368,768 | 1,312,432 | 8,717,309 | 291,282,691 |
50 | 1,688,100 | 377,328 | 1,310,772 | 9,094,637 | 290,905,363 |
51 | 1,695,000 | 385,926 | 1,309,074 | 9,480,563 | 290,519,437 |
52 | 1,701,900 | 394,563 | 1,307,337 | 9,875,126 | 290,124,874 |
53 | 1,708,800 | 403,238 | 1,305,562 | 10,278,364 | 289,721,636 |
54 | 1,715,700 | 411,953 | 1,303,747 | 10,690,316 | 289,309,684 |
55 | 1,722,600 | 420,706 | 1,301,894 | 11,111,023 | 288,888,977 |
56 | 1,729,500 | 429,500 | 1,300,000 | 11,540,522 | 288,459,478 |
57 | 1,736,400 | 438,332 | 1,298,068 | 11,978,855 | 288,021,145 |
58 | 1,743,300 | 447,205 | 1,296,095 | 12,426,059 | 287,573,941 |
59 | 1,750,200 | 456,117 | 1,294,083 | 12,882,177 | 287,117,823 |
60 | 1,757,100 | 465,070 | 1,292,030 | 13,347,247 | 286,652,753 |
61 | 1,764,000 | 474,063 | 1,289,937 | 13,821,309 | 286,178,691 |
62 | 1,770,900 | 483,096 | 1,287,804 | 14,304,405 | 285,695,595 |
63 | 1,777,800 | 492,170 | 1,285,630 | 14,796,575 | 285,203,425 |
64 | 1,784,700 | 501,285 | 1,283,415 | 15,297,859 | 284,702,141 |
65 | 1,791,600 | 510,440 | 1,281,160 | 15,808,300 | 284,191,700 |
66 | 1,798,500 | 519,637 | 1,278,863 | 16,327,937 | 283,672,063 |
67 | 1,805,400 | 528,876 | 1,276,524 | 16,856,813 | 283,143,187 |
68 | 1,812,300 | 538,156 | 1,274,144 | 17,394,969 | 282,605,031 |
69 | 1,819,200 | 547,477 | 1,271,723 | 17,942,446 | 282,057,554 |
70 | 1,826,100 | 556,841 | 1,269,259 | 18,499,287 | 281,500,713 |
71 | 1,833,000 | 566,247 | 1,266,753 | 19,065,534 | 280,934,466 |
72 | 1,839,900 | 575,695 | 1,264,205 | 19,641,229 | 280,358,771 |
73 | 1,846,800 | 585,186 | 1,261,614 | 20,226,414 | 279,773,586 |
74 | 1,853,700 | 594,719 | 1,258,981 | 20,821,133 | 279,178,867 |
75 | 1,860,600 | 604,295 | 1,256,305 | 21,425,428 | 278,574,572 |
76 | 1,867,500 | 613,914 | 1,253,586 | 22,039,342 | 277,960,658 |
77 | 1,874,400 | 623,577 | 1,250,823 | 22,662,920 | 277,337,080 |
78 | 1,881,300 | 633,283 | 1,248,017 | 23,296,203 | 276,703,797 |
79 | 1,888,200 | 643,033 | 1,245,167 | 23,939,236 | 276,060,764 |
80 | 1,895,100 | 652,827 | 1,242,273 | 24,592,062 | 275,407,938 |
81 | 1,902,000 | 662,664 | 1,239,336 | 25,254,726 | 274,745,274 |
82 | 1,908,900 | 672,546 | 1,236,354 | 25,927,273 | 274,072,727 |
83 | 1,915,800 | 682,473 | 1,233,327 | 26,609,745 | 273,390,255 |
84 | 1,922,700 | 692,444 | 1,230,256 | 27,302,189 | 272,697,811 |
85 | 1,929,600 | 702,460 | 1,227,140 | 28,004,649 | 271,995,351 |
86 | 1,936,500 | 712,521 | 1,223,979 | 28,717,170 | 271,282,830 |
87 | 1,943,400 | 722,627 | 1,220,773 | 29,439,797 | 270,560,203 |
88 | 1,950,300 | 732,779 | 1,217,521 | 30,172,576 | 269,827,424 |
89 | 1,957,200 | 742,977 | 1,214,223 | 30,915,553 | 269,084,447 |
90 | 1,964,100 | 753,220 | 1,210,880 | 31,668,773 | 268,331,227 |
91 | 1,971,000 | 763,509 | 1,207,491 | 32,432,282 | 267,567,718 |
92 | 1,977,900 | 773,845 | 1,204,055 | 33,206,128 | 266,793,872 |
93 | 1,984,800 | 784,228 | 1,200,572 | 33,990,355 | 266,009,645 |
94 | 1,991,700 | 794,657 | 1,197,043 | 34,785,012 | 265,214,988 |
95 | 1,998,600 | 805,133 | 1,193,467 | 35,590,144 | 264,409,856 |
96 | 2,005,500 | 815,656 | 1,189,844 | 36,405,800 | 263,594,200 |
97 | 2,012,400 | 826,226 | 1,186,174 | 37,232,026 | 262,767,974 |
98 | 2,019,300 | 836,844 | 1,182,456 | 38,068,870 | 261,931,130 |
99 | 2,026,200 | 847,510 | 1,178,690 | 38,916,380 | 261,083,620 |
100 | 2,033,100 | 858,224 | 1,174,876 | 39,774,604 | 260,225,396 |
101 | 2,040,000 | 868,986 | 1,171,014 | 40,643,590 | 259,356,410 |
102 | 2,046,900 | 879,796 | 1,167,104 | 41,523,386 | 258,476,614 |
103 | 2,053,800 | 890,655 | 1,163,145 | 42,414,041 | 257,585,959 |
104 | 2,060,700 | 901,563 | 1,159,137 | 43,315,604 | 256,684,396 |
105 | 2,067,600 | 912,520 | 1,155,080 | 44,228,124 | 255,771,876 |
106 | 2,074,500 | 923,527 | 1,150,973 | 45,151,651 | 254,848,349 |
107 | 2,081,400 | 934,582 | 1,146,818 | 46,086,233 | 253,913,767 |
108 | 2,088,300 | 945,688 | 1,142,612 | 47,031,922 | 252,968,078 |
109 | 2,095,200 | 956,844 | 1,138,356 | 47,988,765 | 252,011,235 |
110 | 2,102,100 | 968,049 | 1,134,051 | 48,956,815 | 251,043,185 |
111 | 2,109,000 | 979,306 | 1,129,694 | 49,936,120 | 250,063,880 |
112 | 2,115,900 | 990,613 | 1,125,287 | 50,926,733 | 249,073,267 |
113 | 2,122,800 | 1,001,970 | 1,120,830 | 51,928,703 | 248,071,297 |
114 | 2,129,700 | 1,013,379 | 1,116,321 | 52,942,082 | 247,057,918 |
115 | 2,136,600 | 1,024,839 | 1,111,761 | 53,966,922 | 246,033,078 |
116 | 2,143,500 | 1,036,351 | 1,107,149 | 55,003,273 | 244,996,727 |
117 | 2,150,400 | 1,047,915 | 1,102,485 | 56,051,188 | 243,948,812 |
118 | 2,157,300 | 1,059,530 | 1,097,770 | 57,110,718 | 242,889,282 |
119 | 2,164,200 | 1,071,198 | 1,093,002 | 58,181,916 | 241,818,084 |
120 | 2,171,100 | 1,082,919 | 1,088,181 | 59,264,835 | 240,735,165 |
121 | 2,178,000 | 1,094,692 | 1,083,308 | 60,359,526 | 239,640,474 |
122 | 2,184,900 | 1,106,518 | 1,078,382 | 61,466,044 | 238,533,956 |
123 | 2,191,800 | 1,118,397 | 1,073,403 | 62,584,442 | 237,415,558 |
124 | 2,198,700 | 1,130,330 | 1,068,370 | 63,714,772 | 236,285,228 |
125 | 2,205,600 | 1,142,316 | 1,063,284 | 64,857,088 | 235,142,912 |
126 | 2,212,500 | 1,154,357 | 1,058,143 | 66,011,445 | 233,988,555 |
127 | 2,219,400 | 1,166,452 | 1,052,948 | 67,177,896 | 232,822,104 |
128 | 2,226,300 | 1,178,601 | 1,047,699 | 68,356,497 | 231,643,503 |
129 | 2,233,200 | 1,190,804 | 1,042,396 | 69,547,301 | 230,452,699 |
130 | 2,240,100 | 1,203,063 | 1,037,037 | 70,750,364 | 229,249,636 |
131 | 2,247,000 | 1,215,377 | 1,031,623 | 71,965,741 | 228,034,259 |
132 | 2,253,900 | 1,227,746 | 1,026,154 | 73,193,486 | 226,806,514 |
133 | 2,260,800 | 1,240,171 | 1,020,629 | 74,433,657 | 225,566,343 |
134 | 2,267,700 | 1,252,651 | 1,015,049 | 75,686,309 | 224,313,691 |
135 | 2,274,600 | 1,265,188 | 1,009,412 | 76,951,497 | 223,048,503 |
136 | 2,281,500 | 1,277,782 | 1,003,718 | 78,229,279 | 221,770,721 |
137 | 2,288,400 | 1,290,432 | 997,968 | 79,519,711 | 220,480,289 |
138 | 2,295,300 | 1,303,139 | 992,161 | 80,822,849 | 219,177,151 |
139 | 2,302,200 | 1,315,903 | 986,297 | 82,138,752 | 217,861,248 |
140 | 2,309,100 | 1,328,724 | 980,376 | 83,467,476 | 216,532,524 |
141 | 2,316,000 | 1,341,604 | 974,396 | 84,809,080 | 215,190,920 |
142 | 2,322,900 | 1,354,541 | 968,359 | 86,163,621 | 213,836,379 |
143 | 2,329,800 | 1,367,536 | 962,264 | 87,531,157 | 212,468,843 |
144 | 2,336,700 | 1,380,590 | 956,110 | 88,911,747 | 211,088,253 |
145 | 2,343,600 | 1,393,703 | 949,897 | 90,305,450 | 209,694,550 |
146 | 2,350,500 | 1,406,875 | 943,625 | 91,712,325 | 208,287,675 |
147 | 2,357,400 | 1,420,105 | 937,295 | 93,132,430 | 206,867,570 |
148 | 2,364,300 | 1,433,396 | 930,904 | 94,565,826 | 205,434,174 |
149 | 2,371,200 | 1,446,746 | 924,454 | 96,012,572 | 203,987,428 |
150 | 2,378,100 | 1,460,157 | 917,943 | 97,472,729 | 202,527,271 |
151 | 2,385,000 | 1,473,627 | 911,373 | 98,946,356 | 201,053,644 |
152 | 2,391,900 | 1,487,159 | 904,741 | 100,433,515 | 199,566,485 |
153 | 2,398,800 | 1,500,751 | 898,049 | 101,934,266 | 198,065,734 |
154 | 2,405,700 | 1,514,404 | 891,296 | 103,448,670 | 196,551,330 |
155 | 2,412,600 | 1,528,119 | 884,481 | 104,976,789 | 195,023,211 |
156 | 2,419,500 | 1,541,896 | 877,604 | 106,518,684 | 193,481,316 |
157 | 2,426,400 | 1,555,734 | 870,666 | 108,074,419 | 191,925,581 |
158 | 2,433,300 | 1,569,635 | 863,665 | 109,644,053 | 190,355,947 |
159 | 2,440,200 | 1,583,598 | 856,602 | 111,227,652 | 188,772,348 |
160 | 2,447,100 | 1,597,624 | 849,476 | 112,825,276 | 187,174,724 |
161 | 2,454,000 | 1,611,714 | 842,286 | 114,436,990 | 185,563,010 |
162 | 2,460,900 | 1,625,866 | 835,034 | 116,062,856 | 183,937,144 |
163 | 2,467,800 | 1,640,083 | 827,717 | 117,702,939 | 182,297,061 |
164 | 2,474,700 | 1,654,363 | 820,337 | 119,357,302 | 180,642,698 |
165 | 2,481,600 | 1,668,708 | 812,892 | 121,026,010 | 178,973,990 |
166 | 2,488,500 | 1,683,117 | 805,383 | 122,709,127 | 177,290,873 |
167 | 2,495,400 | 1,697,591 | 797,809 | 124,406,718 | 175,593,282 |
168 | 2,502,300 | 1,712,130 | 790,170 | 126,118,849 | 173,881,151 |
169 | 2,509,200 | 1,726,735 | 782,465 | 127,845,583 | 172,154,417 |
170 | 2,516,100 | 1,741,405 | 774,695 | 129,586,989 | 170,413,011 |
171 | 2,523,000 | 1,756,141 | 766,859 | 131,343,130 | 168,656,870 |
172 | 2,529,900 | 1,770,944 | 758,956 | 133,114,074 | 166,885,926 |
173 | 2,536,800 | 1,785,813 | 750,987 | 134,899,887 | 165,100,113 |
174 | 2,543,700 | 1,800,749 | 742,951 | 136,700,637 | 163,299,363 |
175 | 2,550,600 | 1,815,753 | 734,847 | 138,516,390 | 161,483,610 |
176 | 2,557,500 | 1,830,824 | 726,676 | 140,347,214 | 159,652,786 |
177 | 2,564,400 | 1,845,962 | 718,438 | 142,193,176 | 157,806,824 |
178 | 2,571,300 | 1,861,169 | 710,131 | 144,054,345 | 155,945,655 |
179 | 2,578,200 | 1,876,445 | 701,755 | 145,930,790 | 154,069,210 |
180 | 2,585,100 | 1,891,789 | 693,311 | 147,822,578 | 152,177,422 |
181 | 2,592,000 | 1,907,202 | 684,798 | 149,729,780 | 150,270,220 |
182 | 2,598,900 | 1,922,684 | 676,216 | 151,652,464 | 148,347,536 |
183 | 2,605,800 | 1,938,236 | 667,564 | 153,590,700 | 146,409,300 |
184 | 2,612,700 | 1,953,858 | 658,842 | 155,544,558 | 144,455,442 |
185 | 2,619,600 | 1,969,551 | 650,049 | 157,514,109 | 142,485,891 |
186 | 2,626,500 | 1,985,313 | 641,187 | 159,499,422 | 140,500,578 |
187 | 2,633,400 | 2,001,147 | 632,253 | 161,500,570 | 138,499,430 |
188 | 2,640,300 | 2,017,053 | 623,247 | 163,517,622 | 136,482,378 |
189 | 2,647,200 | 2,033,029 | 614,171 | 165,550,651 | 134,449,349 |
190 | 2,654,100 | 2,049,078 | 605,022 | 167,599,729 | 132,400,271 |
191 | 2,661,000 | 2,065,199 | 595,801 | 169,664,928 | 130,335,072 |
192 | 2,667,900 | 2,081,392 | 586,508 | 171,746,320 | 128,253,680 |
193 | 2,674,800 | 2,097,658 | 577,142 | 173,843,979 | 126,156,021 |
194 | 2,681,700 | 2,113,998 | 567,702 | 175,957,977 | 124,042,023 |
195 | 2,688,600 | 2,130,411 | 558,189 | 178,088,388 | 121,911,612 |
196 | 2,695,500 | 2,146,898 | 548,602 | 180,235,285 | 119,764,715 |
197 | 2,702,400 | 2,163,459 | 538,941 | 182,398,744 | 117,601,256 |
198 | 2,709,300 | 2,180,094 | 529,206 | 184,578,838 | 115,421,162 |
199 | 2,716,200 | 2,196,805 | 519,395 | 186,775,643 | 113,224,357 |
200 | 2,723,100 | 2,213,590 | 509,510 | 188,989,234 | 111,010,766 |
201 | 2,730,000 | 2,230,452 | 499,548 | 191,219,685 | 108,780,315 |
202 | 2,736,900 | 2,247,389 | 489,511 | 193,467,074 | 106,532,926 |
203 | 2,743,800 | 2,264,402 | 479,398 | 195,731,476 | 104,268,524 |
204 | 2,750,700 | 2,281,492 | 469,208 | 198,012,967 | 101,987,033 |
205 | 2,757,600 | 2,298,658 | 458,942 | 200,311,626 | 99,688,374 |
206 | 2,764,500 | 2,315,902 | 448,598 | 202,627,528 | 97,372,472 |
207 | 2,771,400 | 2,333,224 | 438,176 | 204,960,752 | 95,039,248 |
208 | 2,778,300 | 2,350,623 | 427,677 | 207,311,375 | 92,688,625 |
209 | 2,785,200 | 2,368,101 | 417,099 | 209,679,476 | 90,320,524 |
210 | 2,792,100 | 2,385,658 | 406,442 | 212,065,134 | 87,934,866 |
211 | 2,799,000 | 2,403,293 | 395,707 | 214,468,427 | 85,531,573 |
212 | 2,805,900 | 2,421,008 | 384,892 | 216,889,435 | 83,110,565 |
213 | 2,812,800 | 2,438,802 | 373,998 | 219,328,238 | 80,671,762 |
214 | 2,819,700 | 2,456,677 | 363,023 | 221,784,915 | 78,215,085 |
215 | 2,826,600 | 2,474,632 | 351,968 | 224,259,547 | 75,740,453 |
216 | 2,833,500 | 2,492,668 | 340,832 | 226,752,215 | 73,247,785 |
217 | 2,840,400 | 2,510,785 | 329,615 | 229,263,000 | 70,737,000 |
218 | 2,847,300 | 2,528,983 | 318,317 | 231,791,983 | 68,208,017 |
219 | 2,854,200 | 2,547,264 | 306,936 | 234,339,247 | 65,660,753 |
220 | 2,861,100 | 2,565,627 | 295,473 | 236,904,874 | 63,095,126 |
221 | 2,868,000 | 2,584,072 | 283,928 | 239,488,946 | 60,511,054 |
222 | 2,874,900 | 2,602,600 | 272,300 | 242,091,546 | 57,908,454 |
223 | 2,881,800 | 2,621,212 | 260,588 | 244,712,758 | 55,287,242 |
224 | 2,888,700 | 2,639,907 | 248,793 | 247,352,665 | 52,647,335 |
225 | 2,895,600 | 2,658,687 | 236,913 | 250,011,352 | 49,988,648 |
226 | 2,902,500 | 2,677,551 | 224,949 | 252,688,903 | 47,311,097 |
227 | 2,909,400 | 2,696,500 | 212,900 | 255,385,403 | 44,614,597 |
228 | 2,916,300 | 2,715,534 | 200,766 | 258,100,938 | 41,899,062 |
229 | 2,923,200 | 2,734,654 | 188,546 | 260,835,592 | 39,164,408 |
230 | 2,930,100 | 2,753,860 | 176,240 | 263,589,452 | 36,410,548 |
231 | 2,937,000 | 2,773,153 | 163,847 | 266,362,605 | 33,637,395 |
232 | 2,943,900 | 2,792,532 | 151,368 | 269,155,136 | 30,844,864 |
233 | 2,950,800 | 2,811,998 | 138,802 | 271,967,134 | 28,032,866 |
234 | 2,957,700 | 2,831,552 | 126,148 | 274,798,687 | 25,201,313 |
235 | 2,964,600 | 2,851,194 | 113,406 | 277,649,881 | 22,350,119 |
236 | 2,971,500 | 2,870,924 | 100,576 | 280,520,805 | 19,479,195 |
237 | 2,978,400 | 2,890,744 | 87,656 | 283,411,549 | 16,588,451 |
238 | 2,985,300 | 2,910,652 | 74,648 | 286,322,201 | 13,677,799 |
239 | 2,992,200 | 2,930,650 | 61,550 | 289,252,851 | 10,747,149 |
240 | 10,795,512 | 10,747,149 | 48,362 | 300,000,000 | - |
첫댓글 답이 안 나오네요~~소득이 두배로 오르던지, 집 값이 절반으로 내리지 않으면 평생 은행 빨대 노릇해야겠죠.
글고보면.. 앞으로 일터로 나갈 서민의 자식세대들은 현상태로는 진짜 답없을듯..
연애를 잘해야 해요. 꽃뱀이나 제비라면 좀 그렇구, 가방끈과 혼인은 그나마 남아 있는 신분상승의 유효한 방법이라구. 쩝!
ㅋㅋㅋ.. 1%에 쏠림이 커지는데.. 경쟁이..ㅋㅋ
아, 기시끼들... 지들은 그리 살라 하죠, 뭐. 난중에 수 틀리면 콱 테러 해버리면 되는 거죠, 뭐. 로빈훗도 윌리엄텔로 홍길동도 임꺽정도 있었더랬는데... 요즘은 무기도 좋더만요.^^
ㅋㅋ..자식 교육부터.."사랑이면 된다. 다 필요없다" 라고하면서 ... 더내려갈수도..확율상 이게 높을지도..
생각만해도 피곤하긴하네요.. 딸딸이 아빠라서 더 긍가..ㅋㅋㅋ
지가 알아서 살아야제..
요즘은 공부로도 답 찾기가 어렵다네요 ㅎㅎ
수능응시 인원대비 상위 20개 대학 정원비가 7.4%
스카이는 1.4%.
대기업 취업 경쟁률 57:1
임원승진 비율 0.96%
공부가 젤 쉬웠어요~가 아니라
젤 어려운 방법이에요~~라고 하고 싶네요 ㅠㅠ
고런공부말고..ㅋㅋ
쩝...아직까지는 월세가 너무 세서,
집주인에게 빨대 꽂히는 것이 나은지
은행에게 빨대 꽂히는 것이 나은지 계산해보면
은행이 더 낫다는 결론이 나오기도 한답니다...ㅡㅡ;
어서 빨리 월세 수준을 주택담보대출금리에 연동시키는 정책이 시행되어야 할텐데...
정치권에서는 집 가진 사람들만 위해주고, 집 없는 사람들에 대해서는 그저 생색내기 정도만 하고 있으니 암담합니다.
이자를 은행에 내면 우야둥둥 나중에 내 집은 생기는거고
임대인에게 내면 녹아서 없어지는거죠. 보증금 빼고 완전히 녹아서 없어지는 돈이 월세죠.
가격 상승이 없다면 안전한 전세가 정답이고
가격 상승이 있다면 내 집 마련이 정답인거고..상황에 따라 행동하면 될듯..
참... 사람들이 그리 단순할까요? 사람들이 Rent Vs Buy를 비교할 때는, 원리금 적립효과까지 다 감안한답니다. 은행에 원금상환하는 부분만큼, 월세 살며 남는 돈으로 은행에 적금 든다는 거죠. Rent Vs Buy를 비교할 때, Buy의 비용으로는 '대출이자상환비용 + 유지/수선시 + 보험비 + 보유세' 등이 고려됩니다. 원금상환분은 고려가 되지 않아요. 잘못하면 은행에 정말로 코 꿰일 수가 있어요. 미국에는 아직도 1천만 가구가 깡통상태랍니다. 지난 기간 겨우 3백만 가구쯤 줄었을 거래요.^^
물론 전제조건이 있죠.
구매한 집이 20년 후에도 동일한 가치를 유지하거나 거의 가치 하락이 없다는 전제죠.
그럴경우 원금 불입에 따른 손해보는 적금이자는 상쇄되니까
월세vs 대출이자의 한판 승부가 되는건데 이자율에 의해 승부는 뻔한거죠.
3억짜리 집을 오로지 월세만으로 산다면 10%잡으면 1년 3천... 월2백5십이니까.... 집 값 오르면 매년 더 오를테고..출발이 250이지 20년 평균이면 월370쯤?
3억짜리를 100% 대출로 집을 샀을경우 이자가 100쯤이 되겠죠. 120번째 이자가 20년 평균일테니...
꾸준히 오르다가 20년 끝날때 집 값이 빵원되면 비용이 비슷해질것 같은데요? 월세 무섭네...흠...
복잡하게 따질 필요도 없네요. 모든 기회비용 생각하느라 헷갈렸음. 너무 압도적 차이라 계산 필요없네요.
3억100% 대출vs100% 월세= 20년 원리금 평균이 120번째가 220vs 월세 최저금액 출발 250 게임이 안됨. 대출 우세.
나중에 집은 남는거고...빵원 되어도 계속 살면 되니까... 20년 후 월세는 또다시 월세 다시 시작이니까.... 대출 완전 승.
압도적 이자 차이에 의해 극복 불가능. 이러면 대출 인생이 월세 인생보다 낫죠 완전히....
미국처럼 집으로 퉁치고 끝나면 월세나 마찬가지니 위험부담도 없고.... 원리금 내다 정 힘들면 던지면 되니까...
부동산 부양하려면 미국처럼 집으로 퉁? 그럴듯한데요? 은행 부도?ㅎ
아, 전세가 있다니까 그러시네요.^^ 울 나라, 만약 전세가 없었다면 집값이 이따지로 미친 척 오르지도 못했어요. 이건 제가 장담하죠.^^
그렇죠. 동감합니다. 전세가 아파트 폭등의 주범이죠.
그렇다구 전세가 폭등의 주범이라고 하면 어떡합니까. 그린스펀이 아직 살아 있는데, 넘 무시하면 그 늙은이 삐지는 수가 있을 듯.^^