提前还贷,还是投资?

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Kathy Wang

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大多数有房贷的人常会自问一个问题:如果有了多余的资金,我是应该选择用它来投资,还是应该提前还清房贷?这是一个很难凭经验来回答的问题,因为适合你的选择未必会适合其他人。

你的风险承受力和偏好在对这个问题的选择上举足轻重。选择提前还清贷款,就相当于你进行了没有风险并且回报等于未来贷款利息的投资。如果是在贷款摊销期的最初几年选择提前付清,那么节省下来的利息也会很可观。然而这个回报率跟投资组合产品的回报率比起来,就显得没那么有吸引力了。

对于非常保守的投资者来说,回报有保障无疑很有重要。但是,如果房贷利息是2.7%,而组合投资产品的回报率是5-6%的话,投资显然优于提前还贷。当然,投资者要做好长期投资的打算,不被投资回报率暂时的上下浮动所影响,否则还不如选择提前还贷。

关于提前还贷和投资组合的优缺点,请见下表:

优点

缺点

提前还贷

节省利息、无风险、房子属于自己

所有资金全在房子上(另有应急资金的除外)、如果房价下跌资产会减值、可能需要卖房养老

投资组合

回报率较高、分散资产、用RRSP帐户投资可以节税、不需要卖房养老

回报没有保障(GIC除外)、可能有投资成本(如投资费等)

如果还是不确定该如何选择,可以问自己几个问题:

1、你有足够存款吗?(相当于六个月生活费用的存款,以应付万一的失业等状况)

如果答案是“YES”,则

2、你的雇主Match你的RRSP存款吗?

如果答案是“YES”,请最大化你的RRSP存款;

如果答案是“NO”,则

3、你有比房贷利息更高的其它债务吗?

如果答案是“YES”,请先把利息更高的债务付清;

如果答案是“NO”,则

4、还清房贷能让你晚上睡得更香吗?

如果答案是“YES”,请提前还贷;

如果答案是“NO”,则

5、你的房贷利息高于4%吗?

如果答案是“YES”,请提前还贷;

如果答案是“NO”,请进行投资。

我在前面的文章里将投资暂时简化为投资组合产品了,以方便比较。其实能让你的资产回报率高过贷款利息的投资方式还有很多,例如:投资物业、分红保险、联合地产投资项目、股票市场,等等。具体选择哪种投资方式,还是要根据自己的风险承受力和偏好来决定。

没有哪种选择是适应所有人的。就个人偏好而言,我可能会更倾向于多种投资组合,不要把资金都集中在房产上,也不要都选择过高风险的投资产品。合理分配好各类资产的占比,这样才不至于在某些风险发生时,损失过大;也不至于因为一味求稳,而错失赚取高回报的机会。由于目前贷款利率很低,利用多余的资金作其它投资赚到更高收益的可能性很高。当然,如果你觉得人生存款目标已经完成了,那么就赶紧把房贷还清了吧。

如果您还是不能决定,那就提前还贷和投资都进行吧,合理分配资金比例就好啦。

(本文仅代表个人观点)

如有问题欢迎随时致电Scotiabank房贷专家Kathy(王雷)647- 291-7958,或加微信kathywl


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