ROI

novice05

请问以下算法对吗？

假设,
PURCHASE PRICE = RM100,000
DOWN PAYMENT= RM10,000
INTEREST = 4.1%
RENTAL = RM650

S & P = RM2,500
Legal (RM100k x 1%) + Stamp (RM100k x 1%) + Disbursement (RM300) + Others (RM200)

Loan agreement = RM2,000
Legal (RM90k x 1%) + Stamp (RM90k x 0.5%) + Disbursement (RM400) + Others (RM250)

假如３年后（过了LOCK－IN PERIOD）卖出，３年里还了银行的钱. (粗略算法，排除DAILY INTEREST)

1st year
Total payment = RM5220
Interest = RM90,000 x 4.1% = RM3690
Princial = RM1,530

2nd year
Total payment = RM5220
Interest = (RM90,000 - RM1,530) x 4.1% = RM3627
Principal = RM1,593

3rd year
Total payment = RM5220
Interest = (RM90,000 - RM1,530 - RM1,593) x 4.1% = RM3562
Principal = RM1,658

再假设３年后没CAPITAL APPRECIATION，仍旧以RM１００k卖出,我的ROI可以这样算吗？

EARN
- Principal income for 3 years = RM1,530 + RM1,593 + RM1,658 = RM4,781
- Rental income x 3 years (假设只算１０个月，其余２个月用来还MAINTENANCE FEES，地和门牌税等等。。)
[ (RM650 x 10 rental income) - (RM5220 loan payment ) ] x 3 = RM3,840

EXPENSES
- S & P and Loan agreement = RM4,500

3 years ROI
= [(RM4,781 + RM3,840) - RM4,500] / (RM10,000 down payment + RM4,500 S & P and loan fees)
= RM4,121 / RM14,500
= 28.4%

请帮忙解答，感激不尽。




[ 本帖最后由 novice05 于 18-10-2009 10:15 AM 编辑 ]

novice05

没人可以帮忙算一算对吗？