借稅貸做高息定存一年賺逾$4萬!2個方法賺息差!即睇4大注意事項

文: 梁穎心
2022.11.15

銀行定存高息率,適逢交稅季有稅貸優惠,有人會以此低息借貸再做高息定期賺取息差,借錢賺錢。另外,亦有人提出可以使用存款掛鈎按揭(Mortgage Link),以享有一部分與按揭貸款息率相同的儲蓄存款利率。即睇這些以錢生錢方法的注意事項喇!

PAObank 平安壹賬通銀行的定存年利率可達5.5厘,而Welab Bank的私人貸款實際年利率低至1.27%。以100萬為例,做12個月定存可賺$55000,而私人貸款每月還款$83904,即總貸款利息支出為$6848。以定存利息扣除總貸款利息支出後,可賺$48152。

►同場加映:【衝出嚟玩】LuLu豬化身快餐店實習生登陸北角滾軸溜冰場!聯乘潮玩品牌+CASETiFY推出多款限定週邊

借低息貸做高息定存

注意事項一︰開立定期存款影響資金流動性。當資金開立定存後,要賺取利息就必須等到期,無法輕易取出進行其他投資行為的後果。

注意事項二︰未必取得最低貸款年利率。貸款宣傳顯示的,一般為實際最低年利率。但審批結果有機會受職業、還款紀錄、信貸評級等影響。

注意事項三︰借錢後每個月要還款,但定期利息要等存期屆滿。即就要準備好另外一筆錢用於償還每個月的貸款。

注意事項四:息率不穩定。存款期屆滿後,息率有機會下跌,增加資金不足彌補借款的風險。

存款掛鈎按揭

有些銀行在進行按揭貸款時,會為申請人提供「存款掛鈎按揭」還款計劃,即這個戶口可享有與按揭貸款息率相同的儲蓄存款利率。例如按揭貸款的利率是3%,這個戶口的存款同樣會獲得3%利率回報,以此來抵消部分按揭的利息。透過借低息稅貸,然後放在按揭掛鈎戶口,固然可以賺取息差,只不過目前按息低於定期存款利息,所以能賺的息差有限。此外,存款掛鈎按揭戶口提供的特惠利率,一般只有整體按揭貸款的一定百分比,未必全額存款享有高息。

現時定存年利率高,透過低息貸款賺取息差固然可行,但切記先審視自己是否有充裕的資金、條件及還款能力。投資市場瞬息萬節,投資者要三思而後行。

來源:HKET

Array ( [0] => stdClass Object ( [title] => 春分節氣3.20「養陽氣」命理師教3招開運發財、注意6大禁忌 [articleId] => 20059605 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20059605/%E6%98%A5%E5%88%86%E7%AF%80%E6%B0%A3-%E9%A4%8A%E9%99%BD%E6%B0%A3-%E5%91%BD%E7%90%86%E5%B8%AB%E6%95%99-%E6%8B%9B%E9%96%8B%E9%81%8B%E7%99%BC%E8%B2%A1-%E6%B3%A8%E6%84%8F-%E5%A4%A7%E7%A6%81%E5%BF%8C ) [1] => stdClass Object ( [title] => 女團始祖Cookies餅碎久違聚頭現況曝光 細數Cookies九餅近況有一半已收山做人妻 [articleId] => 213781 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/213781/%E5%A5%B3%E5%9C%98%E5%A7%8B%E7%A5%96cookies%E9%A4%85%E7%A2%8E%E4%B9%85%E9%81%95%E8%81%9A%E9%A0%AD%E7%8F%BE%E6%B3%81%E6%9B%9D%E5%85%89-%E7%B4%B0%E6%95%B8cookies%E4%B9%9D%E9%A4%85%E8%BF%91%E6%B3%81%E6%9C%89%E4%B8%80%E5%8D%8A%E5%B7%B2%E6%94%B6%E5%B1%B1%E5%81%9A%E4%BA%BA%E5%A6%BB ) [2] => stdClass Object ( [title] => 香港人與澳門人如何區分?網民列4大特徵:行路趕頭趕命/語速特快 [articleId] => 20059598 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20059598/%E9%A6%99%E6%B8%AF%E4%BA%BA%E8%88%87%E6%BE%B3%E9%96%80%E4%BA%BA%E5%A6%82%E4%BD%95%E5%8D%80%E5%88%86-%E7%B6%B2%E6%B0%91%E5%88%974%E5%A4%A7%E7%89%B9%E5%BE%B5-%E8%A1%8C%E8%B7%AF%E8%B6%95%E9%A0%AD%E8%B6%95%E5%91%BD-%E8%AA%9E%E9%80%9F%E7%89%B9%E5%BF%AB ) [3] => stdClass Object ( [title] => 港人幾萬蚊裝修舊公屋 整完好似私樓咁靚?網友紛紛大讚:咁高質 [articleId] => 20050576 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20050576/%E6%B8%AF%E4%BA%BA%E5%B9%BE%E8%90%AC%E8%9A%8A%E8%A3%9D%E4%BF%AE%E8%88%8A%E5%85%AC%E5%B1%8B-%E6%95%B4%E5%AE%8C%E5%A5%BD%E4%BC%BC%E7%A7%81%E6%A8%93%E5%92%81%E9%9D%9A-%E7%B6%B2%E5%8F%8B%E7%B4%9B%E7%B4%9B%E5%A4%A7%E8%AE%9A-%E5%92%81%E9%AB%98%E8%B3%AA ) [4] => stdClass Object ( [title] => 公屋裝修|香港350呎公屋裝修變豪宅!三房一廳佈局公開 L形上下錯位間出子女獨立房間 [articleId] => 20050306 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20050306/%E5%85%AC%E5%B1%8B%E8%A3%9D%E4%BF%AE-%E9%A6%99%E6%B8%AF350%E5%91%8E%E5%85%AC%E5%B1%8B%E8%A3%9D%E4%BF%AE%E8%AE%8A%E8%B1%AA%E5%AE%85-%E4%B8%89%E6%88%BF%E4%B8%80%E5%BB%B3%E4%BD%88%E5%B1%80%E5%85%AC%E9%96%8B-l%E5%BD%A2%E4%B8%8A%E4%B8%8B%E9%8C%AF%E4%BD%8D%E9%96%93%E5%87%BA%E5%AD%90%E5%A5%B3%E7%8D%A8%E7%AB%8B%E6%88%BF%E9%96%93 ) )

【免費試用🎁】RMK零毛孔素肌底妝系列!

↓☀️夏日必備防曬霜 x 皇牌輕透粉底液!↓

↓☀️夏日必備防曬霜 x 皇牌輕透粉底液!↓

Array ( [0] => stdClass Object ( [title] => 春分節氣3.20「養陽氣」命理師教3招開運發財、注意6大禁忌 [articleId] => 20059605 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20059605/%E6%98%A5%E5%88%86%E7%AF%80%E6%B0%A3-%E9%A4%8A%E9%99%BD%E6%B0%A3-%E5%91%BD%E7%90%86%E5%B8%AB%E6%95%99-%E6%8B%9B%E9%96%8B%E9%81%8B%E7%99%BC%E8%B2%A1-%E6%B3%A8%E6%84%8F-%E5%A4%A7%E7%A6%81%E5%BF%8C ) [1] => stdClass Object ( [title] => 女團始祖Cookies餅碎久違聚頭現況曝光 細數Cookies九餅近況有一半已收山做人妻 [articleId] => 213781 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/213781/%E5%A5%B3%E5%9C%98%E5%A7%8B%E7%A5%96cookies%E9%A4%85%E7%A2%8E%E4%B9%85%E9%81%95%E8%81%9A%E9%A0%AD%E7%8F%BE%E6%B3%81%E6%9B%9D%E5%85%89-%E7%B4%B0%E6%95%B8cookies%E4%B9%9D%E9%A4%85%E8%BF%91%E6%B3%81%E6%9C%89%E4%B8%80%E5%8D%8A%E5%B7%B2%E6%94%B6%E5%B1%B1%E5%81%9A%E4%BA%BA%E5%A6%BB ) [2] => stdClass Object ( [title] => 香港人與澳門人如何區分?網民列4大特徵:行路趕頭趕命/語速特快 [articleId] => 20059598 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20059598/%E9%A6%99%E6%B8%AF%E4%BA%BA%E8%88%87%E6%BE%B3%E9%96%80%E4%BA%BA%E5%A6%82%E4%BD%95%E5%8D%80%E5%88%86-%E7%B6%B2%E6%B0%91%E5%88%974%E5%A4%A7%E7%89%B9%E5%BE%B5-%E8%A1%8C%E8%B7%AF%E8%B6%95%E9%A0%AD%E8%B6%95%E5%91%BD-%E8%AA%9E%E9%80%9F%E7%89%B9%E5%BF%AB ) [3] => stdClass Object ( [title] => 港人幾萬蚊裝修舊公屋 整完好似私樓咁靚?網友紛紛大讚:咁高質 [articleId] => 20050576 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20050576/%E6%B8%AF%E4%BA%BA%E5%B9%BE%E8%90%AC%E8%9A%8A%E8%A3%9D%E4%BF%AE%E8%88%8A%E5%85%AC%E5%B1%8B-%E6%95%B4%E5%AE%8C%E5%A5%BD%E4%BC%BC%E7%A7%81%E6%A8%93%E5%92%81%E9%9D%9A-%E7%B6%B2%E5%8F%8B%E7%B4%9B%E7%B4%9B%E5%A4%A7%E8%AE%9A-%E5%92%81%E9%AB%98%E8%B3%AA ) [4] => stdClass Object ( [title] => 公屋裝修|香港350呎公屋裝修變豪宅!三房一廳佈局公開 L形上下錯位間出子女獨立房間 [articleId] => 20050306 [permalink] => https://hk.ulifestyle.com.hk/topic/detail/20050306/%E5%85%AC%E5%B1%8B%E8%A3%9D%E4%BF%AE-%E9%A6%99%E6%B8%AF350%E5%91%8E%E5%85%AC%E5%B1%8B%E8%A3%9D%E4%BF%AE%E8%AE%8A%E8%B1%AA%E5%AE%85-%E4%B8%89%E6%88%BF%E4%B8%80%E5%BB%B3%E4%BD%88%E5%B1%80%E5%85%AC%E9%96%8B-l%E5%BD%A2%E4%B8%8A%E4%B8%8B%E9%8C%AF%E4%BD%8D%E9%96%93%E5%87%BA%E5%AD%90%E5%A5%B3%E7%8D%A8%E7%AB%8B%E6%88%BF%E9%96%93 ) )