你知道貸款的利息可以顛覆你的生活嗎？
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- Опубліковано 5 лис 2024
- 算好好來，說不定可以改變你的人生～
xxx
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hi 會員們！純粹和大家say hi！
真的。我的honda 2011年买的。。。供五年。。。中间是不是手痒会想换一台mercedes, BMW, volvo。。。甚至有申请到了loan我决定不买的情形。。。
到现在我还在用着我的honda。13年多的车了。。。然后自从开头五年供车之后，就没有再供车了。。。没有车贷的感觉是很爽的。。。
重点是我的honda 13年了。除了冷气有出问题有花了一笔钱换parts之外。。。完全没有别的大问题。。。所以也真的不需要换。。。车子讲道理也是主要用来代步而已。。只要没问题就很好了。。。有时候你会希望你的车子不要给你问题，就谢天谢地得了。。。
這也是日本車價值的所在---真的很耐用~😊
@@鄭崇聖 真的。完全找不到理由換車。
同感，我很喜歡其我12年的toyota. 還是上山下海，每個月不用給銀行錢，很爽。
有字幕更好
我喜欢peter上你节目。他很会说话简单明白让我们学到许多。
一个人的智慧和台面的说话智商大于开什么车住什么屋，在聚餐聚会时候车开不到身边来炫，但你的说话礼貌和态度胜过一切，就算你看不出来有不有钱别人还是喜欢跟你谈话，觉得你更有实力。
沒有錯，我在以前的公司看過很多有錢人，最有錢又好幾個房子的那些都Tshirt拖鞋，不過還是看得出來氣質不一樣。我在想會不會太有錢反而有安全疑慮？關於車子的部分有些人是真的被洗腦覺得車子要好的，當我說我不覺得車子要很好反而被罵😅
其实买一辆好车，不只是为了面子，是买它的安全性，舒适性，有些人每天跑sales见顾客，长时间在路上的那种疲惫感根本不是坐在office就能体会到的，偶尔还要去机场接送客户，载顾客到处游玩。
需要和想要的差别
又是你！😂 我不敢推subaru出来做例子。怕被人家打。🤭
也对的，旧款车没有很多safety feature，如果发生意外，这些救命的配备就会派上用场。换车刚刚好就好，不用太好。
馬來西亞真的很少有理財投資的中文節目，希望心怡可以做多一些這樣類型的節目～
真的好喜欢好喜欢这个系列❤ 最喜欢两位主持人擦出的知识性火花而且浅显易懂，真的完全可以感受到两位的用心良苦
谢谢欣怡和peter的分享。发现之前自己好像用错方式还房贷了。但也从这里学到了新的东西。另外想说，之前是因为peter用中文在这里分享被吸引过来的。也喜欢你们俩位所产生的火花😊
Bank Negara just announce refinance cash out capped at 10 years tenure......no more 35 years....
Yes
做自己，人本來什麼都沒有. We leave this world with nothing..
請加字幕 謝謝❤
Another way is refinance your house, get the cash out from the bank and paid the car in cash. housing loan interest rate is cheaper, repayment also spread over 30 yrs.
我第一辆车二手kancil
第二辆车二手vios
新车虽然有warranty，但是service就一定要回原厂，然后怎样便宜都比外面的修车店贵
所以新车成本贵太多了 所以新车真的没必要
Peter讲回自己的专业就滔滔不绝了😂
Quality Content :) . Thanks
租别人房子5年，5年后租客搬出去后，单是重整费用都可能多过5年的租金。再来的就是租人之前也是需要花一笔钱去装修。到最后能够拿回装修费都很好了。之后还有一堆quit rent, assessment，买房也有stamp duty和律师费要给，公寓也有management fee等等等。现时代下，完全没有看到可以赚到钱的房产。
以前隔天涨价的房子真的买到赚到 现在是agent求着你买，供的屋子难赚 除非是现金王全款买黄金地段
@@jinglingyap6093 现代来说，还是别听人忽悠说买房保值，就算用现金买，把同等的现金放在回馈率只有4%的储蓄都胜过一切买房的心烦事。
@@chenghoryap1106 同
@@chenghoryap1106 同意。
Really appreciate the effort from both of you sharing the precious knowledge and wisdom regarding housing loan and car loan. I really learnt so much. I introduced your channel to my friends and children. Best wishes to both of you!!!
有podcast吗 很可以内容
干货满满，自己赚的辛苦钱，自己去衡量花钱的价值。如果在意外界因素，永无止尽。
这集干货满满！期待分享很多 Personal loan 的知识。
看到了很多不一样的观点
优质100% ！
租金除了要cover供期，其实也要cover maintenance 和quit rent，不然这些也是白白给的..
I see Peter, straight like it. Very articulate and finance savvy.
喜欢这个系列，很informative
我很幸运，当年买车，offer rate才1.88％
车对于有些人，只是个代步工具. 但对于有些人却是乐趣和生活方式. 就像女孩喜欢买包包，十几二十块的包包 VS 几万块的包包.
需要和想要😂😂😂
哦哦哦，原来你是那个带头网络霸凌李梓嘉的myfm dj。马上unsubsribe 😅😅😅
Hi you sure your facts are right ?
1) hire purchase if credit scoring good and document good should be around 3% +-
(you 5% hire purchase your credit scoring bad is it ?)
2) full flexi and semi Flexi every bank have different terms
3)the monthly repayment is to knock off profit rate / interest rate before your principle
4)if your way of saying
Hire purchase and home loan also is bad better buy both cash
House selling for 500k u buy 500k only 😂
Other things kena from government don’t complain troublesome
Give an example my car cost 250k @2.8% p/a
I have 250k I put fd for now around 3.5% PA
I still making 0.7% pa better than buying cash so what’s the issue with loan ? So somehow don’t always enlarge things u wanna show audience be fair and show whole picture
@@Billy-m7m the guest mentioned buying a car is a depreciation asset, nothing wrong buying with a loan. He just gave an example on the interest rate for easier understanding😅
Actually what he said is very layman. That's a lot more behind the things he said on the housing loan, example how to use loans to make money.
可以知道更详细的主题关于 买房是真的等于投资吗？我想知道。我不太理解。会算interest. 但是投资在哪里？我要上一课！谢谢你
人家怎樣看駕什麼車是看做什麼行業😊比較重要
我一路来都是用二手车，十多二十千的车，没借loan 买车。现在36岁了，今年借钱买特斯拉，真的很痛一下，我以为用公司买车好一点，其实也是没什么差别
Peter 讲的我有个朋友是不是 Sean，这样的话 Xin Yi 也认识啦
很棒的一集! 但是感觉需要字幕 哈哈
如果不要放在Flexi loan 用来投资有信心超过这个FD率，也是另外一个方法。
the extra RM 300 / Monthly example, is it correct ? Because I rmb watch a video which Sean Property interview with Banker, the monthly extra payment just parking and wont save the interest , unless you pay a big amount (eg RM 10k) and mention to the bank counter its advance payment for principle. Please correct me if i m wrong, let’s learning tgt.
for this, you have to look at your loan agreement.
As i know for RHB got option to advance payment for principle with min 1k
For conventional housing loan, you would need to instruct the additional payment to pay for your principal. Else it would be regards as advance payment only. For semi-flexi or full-flexi loan, it will be automatically offset the principal.
所以。。。我只用现金买车买房， 虽然很笨（可以把现金拿来投资），但感觉比较实在。
老实说，多少人投资真的赚钱😂
如果是借gov loan买房子，也可以每个月给多点，早还完吗？要去哪里还？因为都是每个月固定扣薪水的了...每一州都有lppsa代表是吗？可以去那里问？有收费的吗？
感謝分享
其实我觉得他说车的供期前面只是还利息是不正确的
就如他说的车的本金是固定的所以每个月还款都是固定的，我不理为什么会先还利息再还本金
他是用房貸利息的算法，不是很對。車貸是fix了每個月必須還的amount，（本金+利息）／年數
画面有点暗 peter 是背光吗 建议打光？
Why not you consider to do subtitle with Chatgpt
车房别只看利息要看原价，原价都供不起就算了吧。凡事量力而行尤其是花钱。
懂錢的人，不會亂花錢。我知道有一個有多個房產，股票的人，駕輛舊myvi到處走。他不供車的
最近看到news，抵押refinance 好像是减到10年期
很好的理财节目。继续加油。
If whole loan 500k, u put 500k into flexi acc, bank will absorb the money isnt it? Or this applicable for semi flexi?
Dont put 100%, it will settle the entire loan. i think max is 99% of the disbursed loan amount to save the loan interest....flexi and semi flexi basically work the same....Only difference is the monthly charges applied to full flexi. whereas semi-flexi charged certain fee per withdrawal of cash amount....
@@djdoodooyeah7538 thanks friend.
所以买车，建议用cash？
买了Axia, 选了7年来供 :')
有钱了还是买好一点的车。不为炫耀而为生命。不管你保险买多少，生命大过一切
買一輪tank怎樣？除非飛彈打到你不然你很安全
讲真，除非你拿来飙车，被撞的话旧车还硬过现在的车。lol
很好👍🏾
Mortgage 500k, if you pump in 500k, some bank will auto settlement= no more cash flow. Hahahaha.
I dont get that part when Peter said free money..
Lets say u got 100k cash, go loan 100k from bank with 4% interest for 10yrs.
So u park all 100k inside the flexi loan, questions:
1. then the bank cant charge u interest anymore?
2. so u pay bck the 100k in 10yrs with 0 interest, then why on earth u wanto do that??
In the end u and bank get bck the 100k respectively. Both sides gained nothing, WHAT FOR? No free money as he said.
Please help, i cant brain this haha.
@@davidmok108
Hi, hope that I could help a little. First thing first, we'll have to understand that there are 2 accounts in Flexi loan: 1) Housing Loan Acc and 2) Prepayment acc that linked to Housing Loan.
If you have cash on hand that you normally wouldn't use (like savings and FD), it is advisable to transfer all of these to Prepayment account. It is because the housing loan interest is about 4% while FD is about 3.6% only. No point earning 3.6% of FD while you can save 4% of your housing loan interest. Moreover, you able to cash out anytime just like a normal savings account. For FD, you have tenure so if you withdraw before your tenure ends, you lose interest, but for prepayment account, you save interest every single day because it is calculated in daily term.
Plus, the more you put into this account, the more you have flexibility on your asking rental. For example if your installment is 2k, your neighbours too. Even if you rent much lower than your neighbours, most likely you still earn more than your neighbours who rent at normal market rental rate (as long as you put the right amount of money). So property game is kinda a 99% winning game for you in terms of rental if you play this right.
Moreover, to answer your 2nd question. Why people who have cash still want to get loan from bank even if they already plan to put the exact amount of money in the prepayment account. With this, they are able to get free 10 years interest installments instead of striaghtaway putting 100k to buy out the property. 10 years is a long time leh.. with this method, they can cash out anytime and continue with normal interest if they got any financial issues in future, but if they don't, free 10 years interest installments leh. Some even sell in the 5th year, nett 100% earning even if the selling price is just RM1 higher than the original selling price.
To summarise, there is no better way but to transfer these to the prepayment account as it is just another version of saving account (since even if you don't do this, you also put in your own savings account only) but able to save you tons of money and cut short your housing loan tenure, while able to withdraw anytime you want. This is why rich is getting richer, because with assets, you have more options, games and flexibility to gain more than others.
Hope this helps, cheers.
You didn't pay any interest over the 10 years, still owns the property after 10 years, and if you need the cash you can always withdraw it for emergencies.
Free money comes when you rent out the house. So whatever rent you collect is free money paid by tenant.
@@ws4412 not 100% free money from rent! Collection from your rental is taxable (unless you don't declare 😊).
However, you could offset your rental income from your deductible for your expenses that earn your rental by doing some calculation in HK-4. Interest incurred from your home loan is part of your expenses.
Yes. My understanding is auto settle. So cannot put all.
車貸：越短越好
房貸：越長越好
500k屋子 30年 利息400k左右. 你的屋子就算妳賣900k 未必賺.
@@lastthe9882 賺錢是其次，重要房貸數額是不會膨脹的，但是錢會越來越不值錢，如果是自住的話賺不賺沒關係，如果是出租個話30年的租金應該只會上不會跌
房貸越長越好，條件是可以在短時間內高價賣掉。又或者房貸利息很低，但在大馬不是很可行，都大概4%左右，日本和台灣利息就低很多
很好啊，越多人崇拜买名车就越多人借钱，经济才会有增长啊。每个人都那么会算，不舍得花，国家经济就惨了咯
一辆saga从大学用到现在12年 漆掉了也不换 谁比我厉害
有没有可能小鸟会飞是因为它有翅膀呢？
请share你用的那个loan calculator 🙏🏼
用Google
题外话
最近在看电视剧 赤热
王鸥演的林希....我以为是你呢！哈哈
你好。要是我买的房子买假大概是280千供30年利息是4.2左右。刚刚查了最后一期是在2035年。算一下都差不多有10年。像你们说前期都是供利息是那样（现在手上有多余的闲钱大概100千）我是否该把这笔钱放进去压着利息？
我的话我会找利息比较高的地方先放着先
剩下10年的话 多数都是本金 不是利息了
先看看你的房贷是不是Flexi loan!
@@f4fong我把部分放在fd以便不时之需（2.4%+_)部分买maybank 股票(6.0%+_)。
@@sakaiTCG我下载了待会打去银行问问看。
满满的干货❤
可是二手车利息不会更高吗 而且二手车行也很多隐藏费用
比起新车落地亏的数目，所以买二手便宜的咯
@@terryterry3987 还要看车龄和未可预测的额外维修费用。
哇这个不是之前吐槽什么的😂
要求字幕，不然听得很辛苦呀！😢
如果没有等到35， 中途就卖掉。这样怎么算？
谁买车为了面子谁就傻，巴菲特都用toyota sibeh久
沒字幕😵💫
你的车价八万，利息2.5% pa. 一年利息两千。供七年就一万四。你一万四可以买什么车？摩托车吗？
贷款买房至70岁是资本设计的陷阱。
gen z nowadays are more on flex humble💩
For exp: My bunglow outside so big donno how to manage oh.
换车思维： 舒服，长途开车》稳， 安全（够硬） ？
原来我不是怪胎
原来多付一点可以省那么多😮
不怪的两位都只穿 tshirt
吃不到的 🍇 always sour
买好车 可以车震 换女友也快 不用酒店
haloo❤
给现金
hhahahahahahhaha 第一次听mr money 讲华语！
放Bcoin 输掉咩😂
8万 3% 7年 总利息不就16800 ？
一台2007vios买得到
Peter是真的有料，不像那条吹水佬iherng 很厉害讲话可是其实没有重点。
这是金钱flow,
买东西前先了解，《你需要》和《你想要》。这个是真的，以前我很想要买iPhone，到你买了，你会发现只不过如此，很多功能你真的用不到。我们生活在一个消费主义至上的时代，我们会被身边的广告营销到你，有些东西我们用到更好的spec，但往往我们的购买决策会被影响。
他的朋友就是 Iherng 😂😂😂