貸款投資0050好嗎？

如果貸款利率很低，貸款投資很好，這也難怪低利環境下股票比較貴，為了找到答案我來做一個實驗，在2008年0050最高點時貸款，將全數貸款金額全數買入0050，看看最後結果如何。

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模擬情境：

• 0050股利在除息日完成再投資。
• 0050高點為2007年10月11日的每股71.9元。
• 每月定期賣股還債，貸款用本息平均攤還。
• 股票賣完如果貸款還沒還完，要自己掏錢還。
• *代表股利再投資。

貸款7年，利率2%

• 貸款7年，利率2%，貸款100萬，月付金為12,767元。
• 在2013/03/11時，0050賣完，當期還要貼12,064元。
• 還剩下19期沒繳，所以還要貼12,767 x 19 + 12,064 = 254,637元。

計算表

日期	0050股價	股數	現值
2007/10/11	71.90	13,908.21	1,000,000
2007/10/24	67.70	14,421.80	976,356
2007/11/12	63.60	14,221.06	904,460
2007/12/11	62.35	14,016.30	873,916
2008/01/11	57.65	13,794.84	795,273
2008/02/12	54.95	13,562.51	745,260
2008/03/11	60.10	13,350.08	802,340
2008/04/11	63.50	13,149.02	834,963
2008/05/12	62.70	12,945.40	811,677
2008/06/11	59.90	12,732.26	762,662
2008/07/11	52.90	12,490.92	660,770
2008/08/11	55.60	12,261.30	681,728
2008/09/11	48.37	11,997.35	580,312
2008/10/09	40.24	11,680.08	470,006
2008/10/24	32.34	12,402.41	401,094
2008/11/11	33.46	12,020.85	402,218
2008/12/11	33.80	11,643.13	393,538
2009/01/10	32.01	11,244.29	359,930
2009/02/11	33.25	10,860.32	361,105
2009/03/11	34.25	10,487.56	359,199
2009/04/10	39.97	10,168.14	406,421
2009/05/11	46.20	9,891.80	457,001
2009/06/11	45.25	9,609.66	434,837
2009/07/10	46.78	9,336.74	436,773
2009/08/11	48.42	9,073.07	439,318
2009/09/11	52.50	8,829.89	463,569
2009/10/12	53.60	8,591.70	460,515
2009/10/23	53.25	8,753.04	466,100
2009/11/11	53.85	8,515.96	458,584
2009/12/11	53.85	8,278.87	445,817
2010/01/11	57.90	8,058.37	466,580
2010/02/10	52.10	7,813.33	407,074
2010/03/11	53.65	7,575.36	406,418
2010/04/12	55.45	7,345.11	407,287
2010/05/11	52.20	7,100.54	370,648
2010/06/11	49.62	6,843.24	339,562
2010/07/12	52.30	6,599.13	345,134
2010/08/11	54.70	6,598.81	360,955
2010/09/10	55.25	6,367.74	351,817
2010/10/11	56.95	6,143.56	349,876
2010/10/25	56.10	6,384.48	358,169
2010/11/11	57.50	6,162.45	354,341
2010/12/10	59.30	5,947.15	352,666
2011/01/11	60.85	5,737.34	349,117
2011/02/11	58.90	5,520.58	325,162
2011/03/11	58.85	5,303.64	312,119
2011/04/11	61.10	5,094.69	311,285
2011/05/11	62.05	4,888.94	303,358
2011/06/10	60.55	4,678.08	283,258
2011/07/11	59.65	4,464.05	266,281
2011/08/11	54.10	4,228.06	228,738
2011/09/09	54.15	3,992.29	216,183
2011/10/11	53.00	3,751.41	198,825
2011/10/26	52.15	3,891.68	202,951
2011/11/11	50.90	3,640.85	185,319
2011/12/12	48.80	3,379.24	164,907
2012/01/11	50.65	3,127.17	158,391
2012/02/10	53.95	2,890.53	155,944
2012/03/12	54.35	2,655.62	144,333
2012/04/11	53.30	2,416.09	128,778
2012/05/11	51.15	2,166.49	110,816
2012/06/11	48.99	1,905.89	93,370
2012/07/11	50.55	1,653.33	83,576
2012/08/10	52.80	1,411.53	74,529
2012/09/11	53.30	1,172.00	62,467
2012/10/11	53.30	932.47	49,700
2012/10/24	51.00	966.29	49,281
2012/11/12	50.90	715.47	36,417
2012/12/11	53.65	477.50	25,618
2013/01/11	54.45	243.03	13,233
2013/02/06	55.4	12.57	697
2013/03/11	55.9	0	-12,070

貸款10年，利率2%

• 貸款10年，利率2%，貸款100萬，月付金為9,201元。
• 在2015/12/11時，0050賣完，當期還要貼1,761元。
• 還剩下22期沒繳，所以還要貼9,201 x 22 + 1,761 = 204,183元。

計算表

日期	0050股價	股數	現值
2007/10/11	71.90	13,908.21	1,000,000
2007/10/24	67.70	14,421.80	976,356
2007/11/12	63.60	14,277.13	908,026
2007/12/11	62.35	14,129.56	880,978
2008/01/11	57.65	13,969.96	805,368
2008/02/12	54.95	13,802.52	758,448
2008/03/11	60.10	13,649.42	820,330
2008/04/11	63.50	13,504.53	857,537
2008/05/12	62.70	13,357.78	837,533
2008/06/11	59.90	13,204.17	790,930
2008/07/11	52.90	13,030.24	689,300
2008/08/11	55.60	12,864.76	715,280
2008/09/11	48.37	12,674.54	613,067
2008/10/09	40.24	12,445.88	500,822
2008/10/24	32.34	13,215.57	427,392
2008/11/11	33.46	12,940.59	432,992
2008/12/11	33.80	12,668.37	428,191
2009/01/10	32.01	12,380.93	396,313
2009/02/11	33.25	12,104.20	402,465
2009/03/11	34.25	11,835.56	405,368
2009/04/10	39.97	11,605.36	463,866
2009/05/11	46.20	11,406.21	526,967
2009/06/11	45.25	11,202.87	506,930
2009/07/10	46.78	11,006.19	514,869
2009/08/11	48.42	10,816.16	523,718
2009/09/11	52.50	10,640.90	558,647
2009/10/12	53.60	10,469.24	561,151
2009/10/23	53.25	10,665.85	567,956
2009/11/11	53.85	10,494.98	565,155
2009/12/11	53.85	10,324.12	555,954
2010/01/11	57.90	10,165.21	588,566
2010/02/10	52.10	9,988.61	520,406
2010/03/11	53.65	9,817.11	526,688
2010/04/12	55.45	9,651.17	535,158
2010/05/11	52.20	9,474.91	494,590
2010/06/11	49.62	9,289.48	460,944
2010/07/12	52.30	9,113.55	476,639
2010/08/11	54.70	9,113.32	498,499
2010/09/10	55.25	8,946.79	494,310
2010/10/11	56.95	8,785.23	500,319
2010/10/25	56.10	9,129.75	512,179
2010/11/11	57.50	8,969.73	515,759
2010/12/10	59.30	8,814.57	522,704
2011/01/11	60.85	8,663.36	527,165
2011/02/11	58.90	8,507.15	501,071
2011/03/11	58.85	8,350.80	491,445
2011/04/11	61.10	8,200.21	501,033
2011/05/11	62.05	8,051.93	499,622
2011/06/10	60.55	7,899.97	478,343
2011/07/11	59.65	7,745.72	462,032
2011/08/11	54.10	7,575.65	409,842
2011/09/09	54.15	7,405.73	401,020
2011/10/11	53.00	7,232.13	383,303
2011/10/26	52.15	7,502.55	391,258
2011/11/11	50.90	7,321.78	372,679
2011/12/12	48.80	7,133.24	348,102
2012/01/11	50.65	6,951.58	352,098
2012/02/10	53.95	6,781.03	365,837
2012/03/12	54.35	6,611.74	359,348
2012/04/11	53.30	6,439.12	343,205
2012/05/11	51.15	6,259.23	320,160
2012/06/11	48.99	6,071.42	297,439
2012/07/11	50.55	5,889.40	297,709
2012/08/10	52.80	5,715.14	301,759
2012/09/11	53.30	5,542.51	295,416
2012/10/11	53.30	5,369.89	286,215
2012/10/24	51.00	5,564.68	283,799
2012/11/12	50.90	5,383.91	274,041
2012/12/11	53.65	5,212.41	279,646
2013/01/11	54.45	5,043.43	274,615
2013/02/06	55.40	4,877.35	270,205
2013/03/11	55.90	4,712.75	263,443
2013/04/11	54.35	4,543.46	246,937
2013/05/10	57.90	4,384.55	253,865
2013/06/11	56.35	4,221.26	237,868
2013/07/11	57.20	4,060.41	232,255
2013/08/12	55.00	3,893.11	214,121
2013/09/11	57.50	3,733.10	214,653
2013/10/11	58.45	3,575.68	208,999
2013/10/24	57.55	3,659.56	210,608
2013/11/11	56.30	3,496.13	196,832
2013/12/11	57.85	3,337.08	193,050
2014/01/10	57.55	3,177.20	182,848
2014/02/11	56.95	3,015.64	171,741
2014/03/11	59.35	2,860.61	169,777
2014/04/11	61.15	2,710.14	165,725
2014/05/12	61.15	2,559.68	156,524
2014/06/11	64.15	2,416.25	155,002
2014/07/11	68.30	2,281.53	155,829
2014/08/11	66.05	2,142.23	141,494
2014/09/11	68.40	2,007.71	137,328
2014/10/13	64.00	1,863.95	119,293
2014/10/24	63.05	1,909.77	120,411
2014/11/11	65.95	1,770.26	116,748
2014/12/11	65.25	1,629.24	106,308
2015/01/12	65.75	1,489.30	97,922
2015/02/11	69.00	1,355.96	93,561
2015/03/11	69.05	1,222.71	84,428
2015/04/10	69.65	1,090.60	75,960
2015/05/11	70.85	960.74	68,068
2015/06/11	68.85	827.10	56,946
2015/07/13	68.10	691.99	47,124
2015/08/11	64.55	549.45	35,467
2015/09/11	63.50	404.55	25,689
201510/12	65.55	264.18	17,317
2015/10/26	64.55	272.37	17,581
2015/11/11	62.15	124.32	7,727
2015/12/11	59.85	0	-1,761

貸款14年，利率2%

• 貸款14年，利率2%，貸款100萬，月付金為6,829元。
• 在2020/11/11時，0050賣完，當期還要貼4,149元。
• 還剩下11期沒繳，所以還要貼6,829 x 11 + 4,149 = 79,268元。

計算表

日期	0050股價	股數	現值
2007/10/11	71.90	13,908.21	1,000,000
2007/10/24	67.70	14,421.80	976,356
2007/11/12	63.60	14,314.43	910,398
2007/12/11	62.35	14,204.90	885,676
2008/01/11	57.65	14,086.45	812,084
2008/02/12	54.95	13,962.17	767,221
2008/03/11	60.10	13,848.54	832,297
2008/04/11	63.50	13,741.00	872,553
2008/05/12	62.70	13,632.08	854,732
2008/06/11	59.90	13,518.08	809,733
2008/07/11	52.90	13,388.98	708,277
2008/08/11	55.60	13,266.16	737,598
2008/09/11	48.37	13,124.98	634,855
2008/10/09	40.24	12,955.27	521,320
2008/10/24	32.34	13,756.46	444,884
2008/11/11	33.46	13,552.37	453,462
2008/12/11	33.80	13,350.33	451,241
2009/01/10	32.01	13,136.99	420,515
2009/02/11	33.25	12,931.60	429,976
2009/03/11	34.25	12,732.22	436,078
2009/04/10	39.97	12,561.36	502,078
2009/05/11	46.20	12,413.55	573,506
2009/06/11	45.25	12,262.63	554,884
2009/07/10	46.78	12,116.65	566,817
2009/08/11	48.42	11,975.61	579,859
2009/09/11	52.50	11,845.54	621,891
2009/10/12	53.60	11,718.13	628,092
2009/10/23	53.25	11,938.19	635,709
2009/11/11	53.85	11,811.38	636,043
2009/12/11	53.85	11,684.56	629,214
2010/01/11	57.90	11,566.62	669,707
2010/02/10	52.10	11,435.54	595,792
2010/03/11	53.65	11,308.25	606,688
2010/04/12	55.45	11,185.10	620,214
2010/05/11	52.20	11,054.27	577,033
2010/06/11	49.62	10,916.65	541,684
2010/07/12	52.30	10,786.07	564,112
2010/08/11	54.70	10,785.90	589,989
2010/09/10	55.25	10,662.30	589,092
2010/10/11	56.95	10,542.39	600,389
2010/10/25	56.10	10,955.82	614,621
2010/11/11	57.50	10,837.05	623,130
2010/12/10	59.30	10,721.89	635,808
2011/01/11	60.85	10,609.66	645,598
2011/02/11	58.90	10,493.72	618,080
2011/03/11	58.85	10,377.68	610,727
2011/04/11	61.10	10,265.91	627,247
2011/05/11	62.05	10,155.86	630,171
2011/06/10	60.55	10,043.08	608,108
2011/07/11	59.65	9,928.59	592,240
2011/08/11	54.10	9,802.36	530,308
2011/09/09	54.15	9,676.25	523,969
2011/10/11	53.00	9,547.40	506,012
2011/10/26	52.15	9,904.40	516,514
2011/11/11	50.90	9,770.23	497,305
2011/12/12	48.80	9,630.29	469,958
2012/01/11	50.65	9,495.47	480,945
2012/02/10	53.95	9,368.89	505,451
2012/03/12	54.35	9,243.24	502,370
2012/04/11	53.30	9,115.11	485,836
2012/05/11	51.15	8,981.60	459,409
2012/06/11	48.99	8,842.21	433,180
2012/07/11	50.55	8,707.11	440,145
2012/08/10	52.80	8,577.78	452,907
2012/09/11	53.30	8,449.65	450,367
2012/10/11	53.30	8,321.53	443,538
2012/10/24	51.00	8,623.39	439,793
2012/11/12	50.90	8,489.22	432,102
2012/12/11	53.65	8,361.94	448,618
2013/01/11	54.45	8,236.52	448,478
2013/02/06	55.40	8,113.25	449,474
2013/03/11	55.90	7,991.09	446,702
2013/04/11	54.35	7,865.44	427,487
2013/05/10	57.90	7,747.49	448,580
2013/06/11	56.35	7,626.30	429,742
2013/07/11	57.20	7,506.92	429,396
2013/08/12	55.00	7,382.75	406,051
2013/09/11	57.50	7,263.99	417,679
2013/10/11	58.45	7,147.15	417,751
2013/10/24	57.55	7,314.81	420,967
2013/11/11	56.30	7,193.51	404,995
2013/12/11	57.85	7,075.47	409,316
2014/01/10	57.55	6,956.80	400,364
2014/02/11	56.95	6,836.89	389,361
2014/03/11	59.35	6,721.83	398,941
2014/04/11	61.15	6,610.15	404,211
2014/05/12	61.15	6,498.48	397,382
2014/06/11	64.15	6,392.02	410,048
2014/07/11	68.30	6,292.04	429,746
2014/08/11	66.05	6,188.65	408,760
2014/09/11	68.40	6,088.81	416,474
2014/10/13	64.00	5,982.10	382,855
2014/10/24	63.05	6,129.17	386,444
2014/11/11	65.95	6,025.62	397,390
2014/12/11	65.25	5,920.96	386,343
2015/01/12	65.75	5,817.10	382,474
2015/02/11	69.00	5,718.12	394,551
2015/03/11	69.05	5,619.23	388,008
2015/04/10	69.65	5,521.18	384,550
2015/05/11	70.85	5,424.79	384,346
2015/06/11	68.85	5,325.60	366,668
2015/07/13	68.10	5,225.33	355,845
2015/08/11	64.55	5,119.53	330,466
2015/09/11	63.50	5,011.99	318,261
2015/10/12	65.55	4,907.81	321,707
2015/10/26	64.55	5,059.87	326,615
2015/11/11	62.15	4,949.99	307,642
2015/12/11	59.85	4,835.89	289,428
2016/01/11	56.55	4,715.13	266,641
2016/02/03	58.95	4,599.29	271,128
2016/03/11	63.55	4,491.83	285,456
2016/04/11	63.00	4,383.43	276,156
2016/05/11	59.85	4,269.33	255,519
2016/06/08	65.25	4,164.67	271,745
2016/07/11	67.00	4,062.74	272,204
2016/07/28	69.05	4,112.76	283,986
2016/08/11	69.95	4,015.13	280,858
2016/09/10	69.40	3,916.73	271,821
2016/10/11	71.45	3,821.15	273,021
2016/11/11	70.05	3,723.66	260,843
2016/12/09	73.15	3,630.31	265,557
2017/01/11	72.40	3,535.98	256,005
2017/02/10	72.80	3,442.18	250,591
2017/03/10	72.00	3,347.33	241,008
2017/04/11	73.90	3,254.92	240,539
2017/05/11	76.50	3,165.65	242,173
2017/06/09	78.00	3,078.10	240,092
2017/07/11	81.55	2,994.36	244,190
2017/07/31	81.35	3,020.13	245,688
2017/08/11	81.25	2,936.08	238,557
2017/09/11	82.55	2,853.35	235,544
2017/10/11	83.40	2,771.47	231,141
2017/11/09	84.40	2,690.56	227,083
2017/12/11	81.50	2,606.77	212,452
2018/01/11	83.40	2,524.89	210,575
2018/01/29	85.55	2,589.82	221,559
2018/02/09	79.05	2,503.43	197,896
2018/03/09	82.85	2,421.00	200,580
2018/04/11	82.85	2,338.58	193,751
2018/05/11	81.60	2,254.89	183,999
2018/06/11	82.65	2,172.26	179,537
2018/07/11	81.70	2,088.67	170,645
2018/07/23	84.55	2,105.97	178,060
2018/08/10	85.70	2,026.28	173,652
2018/09/11	85.65	1,946.55	166,722
2018/10/11	77.40	1,858.32	143,834
2018/11/09	77.80	1,770.54	137,748
2018/12/11	75.05	1,679.55	126,050
2019/01/11	75.50	1,589.10	119,977
2019/01/22	74.05	1,638.46	121,328
2019/02/11	75.15	1,547.59	116,301
2019/03/11	76.15	1,457.91	111,020
2019/04/11	81.15	1,373.76	111,480
2019/05/10	81.50	1,289.96	105,132
2019/06/11	79.40	1,203.96	95,594
2019/07/11	82.85	1,121.53	92,919
2019/07/19	83.00	1,130.99	93,872
2019/08/08	80.65	1,046.32	84,385
2019/09/11	83.45	964.48	80,486
2019/10/09	85.80	884.89	75,924
2019/11/11	91.15	809.97	73,829
2019/12/11	93.75	737.13	69,106
2020/01/10	97.30	666.94	64,893
2020/01/31	89.95	688.44	61,926
2020/02/11	91.75	614.01	56,336
2020/03/11	85.30	533.95	45,546
2020/04/10	79.30	447.84	35,514
2020/05/11	85.05	367.54	31,260
2020/06/11	89.05	290.86	25,901
2020/07/10	94.65	218.71	20,701
2020/07/21	98.70	220.26	21,740
2020/08/11	104.80	155.10	16,254
2020/09/11	103.25	88.96	9,185
2020/10/08	106.20	24.65	2,618
2020/11/11	108.75	0	-4,149

貸款14年，利率1.63%

• 貸款14年，利率1.63%，貸款100萬，月付金為6,661元。
• 在2021/08/11時，0050還沒賣完，現值為7,131元，剩2期沒繳，應該還要貼一點錢。

日期	0050股價	股數	現值
2007/10/11	71.90	13,908.21	1,000,000
2007/10/24	67.70	14,421.80	976,356
2007/11/12	63.60	14,317.07	910,566
2007/12/11	62.35	14,210.24	886,008
2008/01/11	57.65	14,094.70	812,559
2008/02/12	54.95	13,973.48	767,843
2008/03/11	60.10	13,862.64	833,145
2008/04/11	63.50	13,757.75	873,617
2008/05/12	62.70	13,651.51	855,950
2008/06/11	59.90	13,540.31	811,065
2008/07/11	52.90	13,414.39	709,621
2008/08/11	55.60	13,294.59	739,179
2008/09/11	48.37	13,156.88	636,398
2008/10/09	40.24	12,991.35	522,772
2008/10/24	32.34	13,794.77	446,123
2008/11/11	33.46	13,595.70	454,912
2008/12/11	33.80	13,398.63	452,874
2009/01/10	32.01	13,190.54	422,229
2009/02/11	33.25	12,990.21	431,924
2009/03/11	34.25	12,795.72	438,254
2009/04/10	39.97	12,629.07	504,784
2009/05/11	46.20	12,484.90	576,802
2009/06/11	45.25	12,337.69	558,281
2009/07/10	46.78	12,195.30	570,496
2009/08/11	48.42	12,057.73	583,836
2009/09/11	52.50	11,930.86	626,370
2009/10/12	53.60	11,806.59	632,833
2009/10/23	53.25	12,028.31	640,507
2009/11/11	53.85	11,904.61	641,063
2009/12/11	53.85	11,780.91	634,402
2010/01/11	57.90	11,665.87	675,454
2010/02/10	52.10	11,538.02	601,131
2010/03/11	53.65	11,413.86	612,354
2010/04/12	55.45	11,293.74	626,238
2010/05/11	52.20	11,166.13	582,872
2010/06/11	49.62	11,031.89	547,403
2010/07/12	52.30	10,904.53	570,307
2010/08/11	54.70	10,904.37	596,469
2010/09/10	55.25	10,783.81	595,805
2010/10/11	56.95	10,666.84	607,477
2010/10/25	56.10	11,085.15	621,877
2010/11/11	57.50	10,969.31	630,735
2010/12/10	59.30	10,856.98	643,819
2011/01/11	60.85	10,747.51	653,986
2011/02/11	58.90	10,634.42	626,368
2011/03/11	58.85	10,521.24	619,175
2011/04/11	61.10	10,412.22	636,187
2011/05/11	62.05	10,304.87	639,417
2011/06/10	60.55	10,194.86	617,299
2011/07/11	59.65	10,083.20	601,463
2011/08/11	54.10	9,960.07	538,840
2011/09/09	54.15	9,837.06	532,677
2011/10/11	53.00	9,711.38	514,703
2011/10/26	52.15	10,074.51	525,386
2011/11/11	50.90	9,943.65	506,132
2011/12/12	48.80	9,807.15	478,589
2012/01/11	50.65	9,675.64	490,071
2012/02/10	53.95	9,552.17	515,340
2012/03/12	54.35	9,429.62	512,500
2012/04/11	53.30	9,304.65	495,938
2012/05/11	51.15	9,174.42	469,272
2012/06/11	48.99	9,038.45	442,794
2012/07/11	50.55	8,906.68	450,233
2012/08/10	52.80	8,780.53	463,612
2012/09/11	53.30	8,655.56	461,341
2012/10/11	53.30	8,530.58	454,680
2012/10/24	51.00	8,840.03	450,841
2012/11/12	50.90	8,709.16	443,296
2012/12/11	53.65	8,585.01	460,586
2013/01/11	54.45	8,462.67	460,793
2013/02/06	55.40	8,342.44	462,171
2013/03/11	55.90	8,223.28	459,681
2013/04/11	54.35	8,100.72	440,274
2013/05/10	57.90	7,985.68	462,371
2013/06/11	56.35	7,867.47	443,332
2013/07/11	57.20	7,751.02	443,358
2013/08/12	55.00	7,629.91	419,645
2013/09/11	57.50	7,514.07	432,059
2013/10/11	58.45	7,400.11	432,536
2013/10/24	57.55	7,573.70	435,866
2013/11/11	56.30	7,455.39	419,738
2013/12/11	57.85	7,340.24	424,633
2014/01/10	57.55	7,224.50	415,770
2014/02/11	56.95	7,107.54	404,774
2014/03/11	59.35	6,995.30	415,171
2014/04/11	61.15	6,886.38	421,102
2014/05/12	61.15	6,777.45	414,441
2014/06/11	64.15	6,673.61	428,112
2014/07/11	68.30	6,576.09	449,147
2014/08/11	66.05	6,475.24	427,690
2014/09/11	68.40	6,377.86	436,245
2014/10/13	64.00	6,273.78	401,522
2014/10/24	63.05	6,428.01	405,286
2014/11/11	65.95	6,327.01	417,266
2014/12/11	65.25	6,224.93	406,176
2015/01/12	65.75	6,123.62	402,628
2015/02/11	69.00	6,027.08	415,869
2015/03/11	69.05	5,930.61	409,509
2015/04/10	69.65	5,834.98	406,406
2015/05/11	70.85	5,740.96	406,747
2015/06/11	68.85	5,644.22	388,604
2015/07/13	68.10	5,546.41	377,710
2015/08/11	64.55	5,443.21	351,359
2015/09/11	63.50	5,338.32	338,983
2015/10/12	65.55	5,236.70	343,266
2015/10/26	64.55	5,398.95	348,502
2015/11/11	62.15	5,291.78	328,884
2015/12/11	59.85	5,180.48	310,052
2016/01/11	56.55	5,062.69	286,295
2016/02/03	58.95	4,949.70	291,785
2016/03/11	63.55	4,844.88	307,892
2016/04/11	63.00	4,739.15	298,567
2016/05/11	59.85	4,627.86	276,977
2016/06/08	65.25	4,525.77	295,307
2016/07/11	67.00	4,426.35	296,566
2016/07/28	69.05	4,480.84	309,402
2016/08/11	69.95	4,385.62	306,774
2016/09/10	69.40	4,289.64	297,701
2016/10/11	71.45	4,196.41	299,834
2016/11/11	70.05	4,101.32	287,298
2016/12/09	73.15	4,010.26	293,351
2017/01/11	72.40	3,918.26	283,682
2017/02/10	72.80	3,826.76	278,588
2017/03/10	72.00	3,734.25	268,866
2017/04/11	73.90	3,644.11	269,300
2017/05/11	76.50	3,557.04	272,114
2017/06/09	78.00	3,471.64	270,788
2017/07/11	81.55	3,389.96	276,452
2017/07/31	81.35	3,419.13	278,147
2017/08/11	81.25	3,337.15	271,144
2017/09/11	82.55	3,256.46	268,821
2017/10/11	83.40	3,176.59	264,928
2017/11/09	84.40	3,097.67	261,444
2017/12/11	81.50	3,015.94	245,799
2018/01/11	83.40	2,936.07	244,869
2018/01/29	85.55	3,011.58	257,641
2018/02/09	79.05	2,927.32	231,404
2018/03/09	82.85	2,846.92	235,867
2018/04/11	82.85	2,766.52	229,206
2018/05/11	81.60	2,684.89	219,087
2018/06/11	82.65	2,604.30	215,245
2018/07/11	81.70	2,522.77	206,110
2018/07/23	84.55	2,543.65	215,066
2018/08/10	85.70	2,465.93	211,330
2018/09/11	85.65	2,388.16	204,546
2018/10/11	77.40	2,302.10	178,182
2018/11/09	77.80	2,216.48	172,442
2018/12/11	75.05	2,127.73	159,686
2019/01/11	75.50	2,039.50	153,982
2019/01/22	74.05	2,102.85	155,716
2019/02/11	75.15	2,014.21	151,368
2019/03/11	76.15	1,926.74	146,721
2019/04/11	81.15	1,844.66	149,694
2019/05/10	81.50	1,762.93	143,679
2019/06/11	79.40	1,679.04	133,315
2019/07/11	82.85	1,598.64	132,447
2019/07/19	83.00	1,612.12	133,806
2019/08/08	80.65	1,529.53	123,357
2019/09/11	83.45	1,449.71	120,978
2019/10/09	85.80	1,372.07	117,724
2019/11/11	91.15	1,299.00	118,404
2019/12/11	93.75	1,227.95	115,120
2020/01/10	97.30	1,159.49	112,818
2020/01/31	89.95	1,196.87	107,658
2020/02/11	91.75	1,124.27	103,152
2020/03/11	85.30	1,046.18	89,239
2020/04/10	79.30	962.18	76,301
2020/05/11	85.05	883.87	75,173
2020/06/11	89.05	809.07	72,047
2020/07/10	94.65	738.69	69,917
2020/07/21	98.70	743.93	73,426
2020/08/11	104.80	680.37	71,303
2020/09/11	103.25	615.86	63,587
2020/10/08	106.20	553.14	58,743
2020/11/11	108.75	491.88	53,492
2020/12/11	118.75	435.79	51,750
2021/01/11	132.30	385.44	50,994
2021/01/22	137.45	394.00	54,155
2021/02/05	134.80	344.58	46,450
2021/03/11	134.70	295.13	39,754
2021/04/09	137.95	246.85	34,053
2021/05/11	133.25	196.86	26,231
2021/06/11	138.10	148.63	20,525
2021/07/09	137.75	100.27	13,812
2021/07/21	136.70	100.53	13,742
2021/08/11	137.20	51.98	7,131

結論

以上模擬都是在運氣非常不好的時刻開始貸款投資的，即使如此，在利率為1.63%，貸款期限為14年的狀況下，都可以幾乎打平成本，換句話說，只要貸款期限再拉長，利率再更低，就非常有機會賺錢。

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