A down payment of 140,000, a loan of 320,000, a house sold in 5 years, and a monthly payment of 2,315 yuan. The interest in the monthly payment in the first three years accounted for 70% and the interest in the next two years accounted for 60%.
First of all, the cost of the house is After repaying 460,000 yuan for five years, the remaining principal is 272,669 yuan. Five years of *** repayment is 138,900 yuan, of which 47,331 yuan has been paid back to the principal and 91,569 yuan has been paid back to the interest. In other words, when you sell the house after five years, you will have to add interest, which is 460,000 yuan. 91569 = 551569 yuan. That is to say, you buy 551569 yuan to protect your capital. Assume that you sell it for 570,000 yuan in five years and only earn 18,431 yuan. Assume that you have to pay an agency fee of 5,000 yuan to sell the house, and you only earn 13,431 yuan. If you deposit 140,000 yuan in the bank for a period of 5 years. Calculate the deposit interest of about 16,000 yuan. If you calculate it like this, you will still lose 2,569 yuan
Of course, my later calculation is a bit extreme, but it doesn’t matter too much to the idea