稅貸

一年一度既稅貸又黎啦, 各大銀行標榜 APR 1.8x 厘甚至 1.7x 厘都有, 不過請睇清楚, 一般要借成百粒同埋一年還款期至可以 enjoy 到如此低息, 即係每個月要還八萬幾, 一般人應該無褔消受.

獅子銀行借 30 個分兩年還, 月還 $12,740, 實收 $298,160, 總成本都只係 $7,800. (註: 個別客戶可以更低)

12,740 x 24 - 300,000 = $5,760 (全期利息回贈)
300,000 x 1.3% x 2 = $7,800 (兩年手續費)
$200 (網上申請回贈)
300,000 - 7,800 + 5,760 + 200 = $298,160 (實收, 現金回贈部分下年六月至收到)

https://www.hsbc.com.hk/1/2/chinese/hk/loans/special/prom001?WT.ac=AMH_RBWM_PWS_1410_HPB_M_PTL_51_C

月供 2800 盈富基金 Jul 2013 - Oct 2014

Date	Cost	Share Price	No. of Shares	HSI PE / Yield
2013-07-11	$4,988.10	$21.85	226	10.42 / 3.48
2013-08-13	$4,984.25	$22.95	215	10.96 / 3.31
2013-09-11	$4,990.00	$23.75	208	11.22 / 3.25
2013-10-11	$4,980.25	$24.05	205	11.36 / 3.21
2013-11-12	$4,979.00	$23.25	212	11.21 / 3.26
2013-11-29	-$495.00	$0.058 (Fin Div)
2013-12-11	$4,976.60	$23.80	207	11.44 / 3.2
2014-01-13	$4,980.95	$23.15	213	11.22 / 3.26
2014-02-11	$4,988.75	$21.95	225	10.78 / 3.4
2014-03-11	$5,000.00	$22.50	220	10.73 / 3.43
2014-04-11	$4,997.95	$23.45	211	10.74 / 3.55
2014-05-13	$4,999.40	$22.60	219	10.43 / 3.66
2014-05-30	-$321.00	0.015 (Int Div)
2014-06-11	$4,926.60	$23.70	208	10.81 / 3.54
2014-07-11	$4,944.00	$24.00	206	10.80 / 3.68
2014-08-12	$4,983.50	$25.30	195	11.48 / 3.47
2014-09-11	$4,981.15	$25.55	193	11.49 / 3.46
2014-10-13	$4,990.00	$23.75	208	10.9 / 3.7
		Unit Cost
Total	$78,874.50	$23.40	3371