钱包鼓鼓的砂糖
发表于 2022-8-5 09:37
【早十点话题】房贷族的经济账，闲钱该理财还是提前还贷？（8.5）
<section class="" style="max-width: 100%; box-sizing: border-box; list-style: revert; color: rgb(62, 62, 62); font-family: "Microsoft YaHei", -apple-system-font, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", sans-serif; font-size: 17px; text-align: center; width: 3.2em;"><img src="http://newcdn.96weixin.com/mmbiz.qlogo.cn/mmbiz_gif/Ljib4So7yuWjCxDqYSDjJr5GUuqf2AKfTjnia2jBdqG3SkCicHDHZib0B8HIJ2LbLwoeqRDDwZzibgkeyrbibFicZiafuA/0?wx_fmt=gif" data-width="100%" alt="" style="display: block; vertical-align: middle; border: 0px none; max-width: 100%; box-sizing: border-box; list-style: revert; z-index: -1; cursor: pointer; width: 54.3906px; height: auto !important;"></section><section class="" style="max-width: 100%; box-sizing: border-box; list-style: revert; color: rgb(62, 62, 62); font-family: "Microsoft YaHei", -apple-system-font, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", sans-serif; font-size: 17px; margin-top: -20px; margin-left: 5px; text-align: center;"><section class="" style="max-width: 100%; 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height: auto !important;"></ignore_js_op></div><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em; font-size: 14px; color: rgb(113, 113, 113); letter-spacing: 2px;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; color: rgb(255, 41, 65); font-weight: 700; font-size: 12px;">（温馨提示：下载客户端参与每晚8点红包互动话题，你就有钱拿！）</span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em; font-size: 14px; color: rgb(113, 113, 113); letter-spacing: 2px;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; color: rgb(255, 41, 65); font-weight: 700; font-size: 12px;"><br style="max-width: 100%; box-sizing: border-box; list-style: revert;"></span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em; font-size: 14px; color: rgb(113, 113, 113); letter-spacing: 2px;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; font-weight: 700;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; color: rgb(0, 0, 0); font-size: 16px;">每天</span><span style="box-sizing: border-box; max-width: 100%; list-style: revert; color: rgb(255, 41, 65); font-size: 26px;">10点</span><span style="box-sizing: border-box; max-width: 100%; list-style: revert; color: rgb(0, 0, 0); font-size: 16px;">福利红包抢不停！</span></span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em; font-size: 16px; font-family: "PingFang SC", Helvetica, Arial, "Hiragino Sans GB", "Microsoft Yahei", STHeiTi, sans-serif; text-size-adjust: 100%; -webkit-font-smoothing: antialiased; cursor: pointer; border: 0px; letter-spacing: 1.5px; color: rgb(107, 104, 112); vertical-align: inherit; line-height: normal;"><br style="max-width: 100%; box-sizing: border-box; list-style: revert;"></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em; text-align: left;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; font-size: 16px;">8月1日，交通银行发布了关于调整个人按揭类贷款、个人线上抵押贷（消费）提前还款补偿金的收费标准。8月2日下午，上述公告被撤销。<br style="max-width: 100%; box-sizing: border-box; list-style: revert; text-align: center; color: rgb(51, 51, 51); font-family: Arial, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", sans-serif; font-size: 14px;"><br style="max-width: 100%; box-sizing: border-box; list-style: revert; text-align: center; color: rgb(51, 51, 51); font-family: Arial, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", sans-serif; font-size: 14px;">业内人士认为，近两年，提前还房贷现象增多的主要原因是投资市场景气度不高，尤其是在高点入市的房贷人受到影响，不得不选择还贷当理财。有投资人告诉时代周报记者，当下股票市场震荡，“索性把预备投资的钱拿出来提前还房贷，省下的利息相当于是理财回报。”</span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em; font-size: 16px; font-family: "PingFang SC", Helvetica, Arial, "Hiragino Sans GB", "Microsoft Yahei", STHeiTi, sans-serif; text-size-adjust: 100%; -webkit-font-smoothing: antialiased; cursor: pointer; border: 0px; letter-spacing: 1.5px; color: rgb(107, 104, 112); vertical-align: inherit; line-height: normal; text-align: left;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; color: rgb(51, 51, 51); font-family: Arial, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", sans-serif; font-size: 14px;"><br style="max-width: 100%; box-sizing: border-box; list-style: revert;"></span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; font-family: 微软雅黑, "Microsoft YaHei"; color: rgb(255, 41, 65); font-size: 16px; font-weight: 700; letter-spacing: 2px;">【今 日 话 题】</span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em;"><strong style="max-width: 100%; box-sizing: border-box; list-style: revert;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; font-size: 16px;">房贷族的经济账</span></strong></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em;"><strong style="max-width: 100%; box-sizing: border-box; list-style: revert;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; font-size: 16px;">闲钱该理财还是提前还贷？</span></strong></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em;"><strong style="max-width: 100%; box-sizing: border-box; list-style: revert;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; font-size: 16px;"><img src="http://img.96weixin.com/ueditor/20220805/1659662783597716.png" title="1659662783597716.png" alt="image.png" style="max-width: 100%; font-size: 17px; font-weight: 400; display: inline-block; vertical-align: bottom; border: 0px none; box-sizing: border-box; list-style: revert; height: auto !important;"></span></strong></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em; text-align: left; line-height: normal;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; font-size: 15px;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; color: rgb(0, 0, 0); font-weight: 700; letter-spacing: 2px; font-family: 微软雅黑, "Microsoft YaHei";">砂糖先说：<span style="box-sizing: border-box; max-width: 100%; list-style: revert; color: rgb(51, 51, 51); font-family: Arial, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", sans-serif; font-size: 14px;">在收入预期不明朗的前提下，无债一身轻，即使不能够做到零负债，但尽可能降低自己的负债率水平，这也是提升自己的财务灵活性，减轻了不少包袱。</span></span></span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em;">
**** Hidden Message *****</p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em; font-size: 14px; color: rgb(113, 113, 113); letter-spacing: 2px; text-align: left; line-height: normal;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; color: rgb(255, 41, 65); font-weight: 700;">（提示：回复之后就能看到红包，。点击下方“开”即可领取红包。大家还想聊聊什么话题，欢迎评论区投稿哟！）</span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em;"><br style="max-width: 100%; box-sizing: border-box; list-style: revert;"></p><div style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; font-size: 14px; color: rgb(113, 113, 113); letter-spacing: 2px;"><div style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert;"><span style="box-sizing: border-box; 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box-sizing: border-box; max-width: 100%; list-style: revert;"><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em;"><ignore_js_op style="max-width: 100%; box-sizing: border-box; list-style: revert;"><img src="http://img.96weixin.com/ueditor/20220601/672129_1654046738.jpg" alt="resize,m_lfit,w_120" style="display: inline-block; vertical-align: middle; border: 2px dotted rgb(51, 51, 51); max-width: 100%; box-sizing: border-box; list-style: revert; padding: 5px; border-radius: 0%; height: auto !important;"></ignore_js_op></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em;"><ignore_js_op style="max-width: 100%; box-sizing: border-box; list-style: revert;"><br data-filtered="filtered" style="max-width: 100%; box-sizing: border-box; list-style: revert;"></ignore_js_op></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); 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box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em; font-size: 14px; color: rgb(113, 113, 113); letter-spacing: 2px;"><img src="http://img.96weixin.com/ueditor/20210803/1627974962907059.png" alt="image.png" style="display: inline-block; vertical-align: middle; border: 2px dotted rgb(51, 51, 51); max-width: 100%; box-sizing: border-box; list-style: revert; padding: 5px; border-radius: 0%; height: auto !important;"></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; max-width: 100%; list-style: revert; clear: both; min-height: 1em; font-size: 14px; color: rgb(113, 113, 113); letter-spacing: 2px;"><span style="box-sizing: border-box; max-width: 100%; list-style: revert; font-size: 11px;">（保存上方二维码，到微信中扫一扫）</span></p></section></section></section><p></p>
Baoshford
发表于 2022-8-5 15:09
提前还贷，无债一身轻
小小贝
发表于 2022-8-5 13:19
还贷
归零～
发表于 2022-8-5 13:10
我会提前还贷
光赤咸
发表于 2022-8-5 12:37
你不理财。财不理你。进行洗脑。当你钱出去了。财也不理你。亏大了。
西城暖阳
发表于 2022-8-5 11:05
提前还房贷，无债一身轻
帅得不行
发表于 2022-8-5 10:43
不要欠债。不要理财
xiaohaiddd
发表于 2022-8-5 10:20
都行，工资每年在增长，过个五年十年每个月还那点钱还算什么。想我就提前还了，毕竟不是每个人都会投资18年买的房，今年一次还完了
捂裆肾虚道长
发表于 2022-8-6 07:40
我也想还房贷 但是我冒得啊 房子都住不过来
淡然如水
发表于 2022-8-5 15:05
正想咨询一下有经验的友友们，那样最划算呢？
卢哥哥
发表于 2022-8-5 16:06
你贷款买套房不就知道了
gradeli
发表于 2022-8-5 10:18
算算大致哪个划算。炒股太黑，话题敏感不多评价；楼市不景气，导致各种基金基本都不赚钱，现在有足够的钱一次性还掉房贷还是比较好的选择。
徐宏兵
发表于 2022-8-5 10:27
不急，就不要那么早就还了
沉夢昂志°
发表于 2022-8-5 10:29
。。。。。。。。。
低调の缥濄
发表于 2022-8-5 10:41
你不理财，财不理你对吗？不理拉倒，就怕你钱出去了，财也不理你。
帅得不行
发表于 2022-8-5 10:44
有闲钱存定期
念着反字名的我
发表于 2022-8-5 11:09
看个人吧，我会提前还贷