我的简单计算结果 -rollor(Rollor) @佛州华人论坛:佛州枫下论坛 The Rolia Forum of Florida

枫下家园 / 理财投资税务 / 大家来探讨一下买房的财务成本如何？ -jianghongca(慎独); 2003-7-15 {185} (#1287626@0)
比如：25万的一个townhouse，25%downpay。假设贷款利率是Fix在4.5%
假设月管理费250，电和gas200，地税一年2000，保险一年360。它的成本究竟是多少？
也就是说如果用同样的钱可以租到怎样的房子？

XD，你原来不是做了个EXCEL让大家卸载吗（我没卸），现在何出此言？钓鱼？ -jameschen6(梦想农庄…想当老板); 2003-7-15 (#1287816@0)

非也。那个比较表是总的比较。现在想进行简单的成本比较。 -jianghongca(慎独); 2003-7-15 {38} (#1287828@0)
当然，我心里有答案，想看看大家的意见。

From your number, It seems that buy is better than rent. The money can either rent a bacheler appartment or two bedroom basement. -freshlife(freshlife); 2003-7-15 (#1287821@0)
回头给你找个既租又买的房来做比较 -d2o(复兴场上的尘埃); 2003-7-15 (#1287909@0)
我的简单计算结果 -rollor(Rollor); 2003-7-15 {546} (#1288015@0)
贷款187500元，25年还款期，利率4.5%（不大可能总这么低），每年还贷12645元（一年付一次）。

房地产可以保值，房屋和电器要折旧；通货要膨胀，利率要波动。这些都很难预料，只能假定不变。

如果房子五年后以25万出售，则共花费：贷款损失17200元（利息 40000元减去还贷余额23000元），首期款投资损失9000元（如果不付首期，可以投资获取利息），管理费15000元，水电气12000元，地税一万元，保险费1800元，经纪人费12500，其它杂费5000元（买卖房屋的律师费、土地转让税等等）。合计：82500元。

分到六十个月中，平均每月1375元。

多伦多类似的townhouse，每月房租约1400元。

我的计算和你的原则是一样的，但对利息的计算有不同。 -jianghongca(慎独); 2003-7-15 {643} (#1288088@0)
1，贷款之外的其他日常支出是：管理费，水电Gas，地税和保险，一年是7760
2，贷款的利息成本是187500*0.045=8437.5/年（指第一年）
3，贷款的downpay的投资机会成本按最简单的投资在3年期过债上，Tax后的收益率大概是3%,那每年就是1875。其实Downpay的机会成本不止3%。
4，综合2,3来看，无论是否提前还款，这250000的资金成本都是买房的财务成本。可以这样理解，如果始终只还利息，那么利息就是成本；如果还还了本金，那么还的本金是有投资的机会成本的（本可以投资在其他上，但你投在了房子上）。我简单地把总的利息成本定在4%
5，我的考虑是大家最后总要买房，所以买卖的成本就不考虑了。也不考虑房子的价格升降因素。

计算结果是：7760+250000*0.04=17760
相当于租房1480/月

有道理。不过，我总是觉得，买房租房不仅仅是钱的问题。比如，买房增加了稳定性，有一种归属感；租房则有很大的灵活性，尤其是换工作时可以少些顾虑。 -rollor(Rollor); 2003-7-16 (#1288481@0)

Exactly! -jianghongca(慎独); 2003-7-16 (#1289257@0)

只算存款利息损失, 但不计算房产增值是不公平. 而且,房产增值是以房产总值计算,存款利息损失是以已还金额为准.差别很大. -brandnew(haha); 2003-7-18 {146} (#1293718@0)
慎独的存款利息损失算得很过分, 用你的算法, 应该把贷款利息也加到
租房的费用里才算公平.
而且, 只要有房, 就存在存款利息损失,如果迟早要买,又何必算呢?

买房的贷款利息也加到租房的费用里？why？？ -jianghongca(慎独); 2003-7-19 {235} (#1295144@0)
1，买房贷款利息也加到租房的费用里？why？？
2，房子不是一定增殖的，比如89-93年间买的房到现在也就是持平，不要说中间的维护费用了。
3，因为是算财务成本，当然就要算downpay的机会成本，比如迟两年买，10万块钱存两年GIC的利息收入也有6000多呢。

因为你的公式是用25万总房价做乘数, 而且以一个整年的因数来计算, 除非租房的人手里有这么多钱的存款, 否则就是不公平的. -brandnew(haha); 2003-7-20 {1227} (#1295305@0)
本文发表在 rolia.net 枫下论坛而且, 一定要算存款利息损失的话, 买房就不必交房租了, 这笔钱减去房屋的月开销, 1400 - 7760 / 12 = 753 每月定期存款利息损失也应该加到租房人的
费用里吧! 而且这个本金是越来越大的.

其实, 如果你是买房派, 只是想看看迟些好, 还是早些好, 你可以这么算:

25万的一个townhouse，25%downpay, 再加3000律师,欢迎税,等共
250 * 0.25 + 3 = 65.5k.
假设某人有65.5k的现金, 他现在以贷款利率4.5%25年买上述 townhouse 每个月的开销:
固定: 250 + 200 + 30 + 166 = 646
贷款: (250k * 0.75) * (1 + 0.045 * 25 * 0.55) / 25 / 12 = 1012

假设这人把65.5k的现金存两年定期, 就算月利息0.25%, 他以1400租相同
的房住:
每月的利息是: 65.5k * 0.025 = 163.75
每月比买房省: 1012 + 646 - 1400 = 258

因此, 两年后, 买房的人所有为房子付出的钱换得:
现金: 0
房价: 250k * 0.25 + (1012 * 24 - 250k * 0.75 * 0.045 * 2 * 0.9)
= 62.5k +9100.5

租房的人以同样的钱换得:
现金: 163.75 * 24 + 258 * 24 + 65.5K = 10122 + 65.5K
房价: 0

扣除65.5K的首期, 租房的人也就只有1000的多出, 而且, 买
房的人时间越长, 他每月的利息比例就越低,租房的人, 即使
是利滚利, 但是贷款利率总是高于存款利率,因此他存款增长
肯定比不上房价本金的增长, 如果租五年再买, 肯定就是租的
亏了.

还要注意, 以上没有包括任何房屋增值, 也没有考虑租房的
租金每年的增长, 或搬家的费用及麻烦.更多精彩文章及讨论，请光临枫下论坛 rolia.net

how about utility and property tax? -lile601(lile601); 2003-7-20 (#1295417@0)

1 + 0.045 * 25 * 0.55中的0.55是怎么来的?谢谢! -montrealer(Mount Royal); 2003-7-20 (#1295523@0)

每月贷款利息是根据本金算的, 随着你还的本金越来越多, 利息就越来越少. 最后你总共付的利息大约是总额的55% -brandnew(haha); 2003-7-20 {273} (#1295912@0)
比如: 100元, 10个月付清, 月利息10%
月本利
1 100 10
2 90 9
3 80 8
.......
10 10 1

总共利息是: 10 + 9 + 8 + ... + 1 = 55
总额利息是: 100 * 0.1 * 10 = 100.
索引 55 / 100 = 0.55

当然, 如果想每月付款数相同, 会多付点利息, 可能
以0.57 或多或少0.58计算更准确点.

半年前的至少3年时间内, 买好过租 (不包括房地产升值)但现在这段时间就不一定了,比如说最近1500/月可以租到价值27万的新CONDO. -rom(红蚂蚁); 2003-7-15 (#1288031@0)

从租金回报来看，老Condo好，从升值潜力来看，新Condo好。 -carelesswhisper(无心快语); 2003-7-16 (#1288507@0)

别忘了老CONDO的管理费高于新的150 - 250. -rom(红蚂蚁); 2003-7-16 (#1288527@0)
新的CONDO过了十年还叫新CONDO吗? NY TOWER的CONDO现在卖20万左右, 过了十年后, 不计通货,我看原价卖出就很好了 -luobogan(萝卜干); 2003-7-16 {42} (#1288539@0)
现在新CONDO的价格很有下浮空间(自己认为的).

还是我来仔细算一下吧： -benbendan(笨笨蛋); 2003-7-20 {2682} (#1295486@0)
本文发表在 rolia.net 枫下论坛房价 250000 首付 62500
贷款 187500
利率 4.50% 投资利润率 3.00%
每月偿还 $1,042.19
序号本金本金偿还利息本金偿还的投资损失
1 $187,160.94 $339.06 $703.13 $54.80
2 $186,820.61 $340.33 $701.85 $54.02
3 $186,479.00 $341.61 $700.58 $53.23
4 $186,136.11 $342.89 $699.30 $52.44
5 $185,791.93 $344.18 $698.01 $51.65
6 $185,446.47 $345.47 $696.72 $50.85
7 $185,099.71 $346.76 $695.42 $50.05
8 $184,751.64 $348.06 $694.12 $49.25
9 $184,402.28 $349.37 $692.82 $48.44
10 $184,051.60 $350.68 $691.51 $47.62
11 $183,699.61 $351.99 $690.19 $46.81
12 $183,346.29 $353.31 $688.87 $45.98
13 $182,991.66 $354.64 $687.55 $45.16
14 $182,635.69 $355.97 $686.22 $44.32
15 $182,278.39 $357.30 $684.88 $43.49
16 $181,919.75 $358.64 $683.54 $42.65
17 $181,559.76 $359.99 $682.20 $41.80
18 $181,198.42 $361.34 $680.85 $40.95
19 $180,835.73 $362.69 $679.49 $40.10
20 $180,471.68 $364.05 $678.13 $39.24
21 $180,106.26 $365.42 $676.77 $38.38
22 $179,739.47 $366.79 $675.40 $37.51
23 $179,371.31 $368.16 $674.02 $36.64
24 $179,001.77 $369.54 $672.64 $35.77
25 $178,630.84 $370.93 $671.26 $34.89
26 $178,258.52 $372.32 $669.87 $34.00
27 $177,884.80 $373.72 $668.47 $33.11
28 $177,509.68 $375.12 $667.07 $32.22
29 $177,133.16 $376.52 $665.66 $31.32
30 $176,755.22 $377.94 $664.25 $30.42
31 $176,375.87 $379.35 $662.83 $29.51
32 $175,995.09 $380.78 $661.41 $28.59
33 $175,612.89 $382.20 $659.98 $27.68
34 $175,229.25 $383.64 $658.55 $26.75
35 $174,844.17 $385.08 $657.11 $25.83
36 $174,457.65 $386.52 $655.67 $24.90
37 $174,069.68 $387.97 $654.22 $23.96
38 $173,680.26 $389.42 $652.76 $23.02
39 $173,289.37 $390.88 $651.30 $22.07
40 $172,897.02 $392.35 $649.84 $21.12
41 $172,503.20 $393.82 $648.36 $20.17
42 $172,107.90 $395.30 $646.89 $19.21
43 $171,711.12 $396.78 $645.40 $18.24
44 $171,312.85 $398.27 $643.92 $17.27
45 $170,913.09 $399.76 $642.42 $16.29
46 $170,511.83 $401.26 $640.92 $15.31
47 $170,109.06 $402.77 $639.42 $14.33
48 $169,704.78 $404.28 $637.91 $13.34
49 $169,298.99 $405.79 $636.39 $12.34
50 $168,891.68 $407.31 $634.87 $11.34
51 $168,482.83 $408.84 $633.34 $10.34
52 $168,072.46 $410.38 $631.81 $9.33
53 $167,660.55 $411.91 $630.27 $8.31
54 $167,247.09 $413.46 $628.73 $7.29
55 $166,832.08 $415.01 $627.18 $6.26
56 $166,415.51 $416.57 $625.62 $5.23
57 $165,997.38 $418.13 $624.06 $4.20
58 $165,577.69 $419.70 $622.49 $3.16
59 $165,156.42 $421.27 $620.92 $2.11
60 $164,733.57 $422.85 $619.34 $1.06
合计： $22,766.43 $39,764.72 $1,755.67
五年地税 10000
五年管理费 12000
五年保险 1800
买卖费用 17500
首付投资损失 9954.629644
总支付 $92,775.02
合每月支出 $1,546.25更多精彩文章及讨论，请光临枫下论坛 rolia.net

再试一下 -benbendan(笨笨蛋); 2003-7-20 {134946} (#1295488@0)
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房价</td>
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250000</td>
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首付</td>
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62500</td>
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贷款</td>
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187500</td>
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<td style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">　</td>
<td style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">　</td>
</tr>
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利率</td>
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4.50%</td>
<td style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
投资利润率</td>
<td align="right" x:num="0.03" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
3.00%</td>
<td style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">　</td>
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每月偿还</td>
<td align="right" x:num="1042.1858961787409" x:fmla="=PMT(B3/12,25*12,-B2)" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$1,042.19</td>
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<td style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">　</td>
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序号</td>
<td style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
本金</td>
<td style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
本金偿还</td>
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利息</td>
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本金偿还的投资损失</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
1</td>
<td align="right" x:num="187160.93910382126" x:fmla="=B2-C6" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$187,160.94</td>
<td align="right" x:num="339.0608961787409" x:fmla="=$B$4-D6" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$339.06</td>
<td align="right" x:num="703.125" x:fmla="=B2*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$703.13</td>
<td align="right" x:num="54.797930791653982" x:fmla="=C6*(1+($D$3/12))^(61-A6)-C6" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$54.80</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
2</td>
<td align="right" x:num="186820.60672928186" x:fmla="=B6-C7" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$186,820.61</td>
<td align="right" x:num="340.33237453941115" x:fmla="=$B$4-D7" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$340.33</td>
<td align="right" x:num="701.85352163932976" x:fmla="=B6*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$701.85</td>
<td align="right" x:num="54.017548225211158" x:fmla="=C7*(1+($D$3/12))^(61-A7)-C7" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$54.02</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
3</td>
<td align="right" x:num="186478.99810833792" x:fmla="=B7-C8" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$186,479.00</td>
<td align="right" x:num="341.60862094393394" x:fmla="=$B$4-D8" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$341.61</td>
<td align="right" x:num="700.57727523480696" x:fmla="=B7*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$700.58</td>
<td align="right" x:num="53.233009953811347" x:fmla="=C8*(1+($D$3/12))^(61-A8)-C8" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$53.23</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
4</td>
<td align="right" x:num="186136.10845506546" x:fmla="=B8-C9" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$186,136.11</td>
<td align="right" x:num="342.88965327247365" x:fmla="=$B$4-D9" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$342.89</td>
<td align="right" x:num="699.29624290626725" x:fmla="=B8*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$699.30</td>
<td align="right" x:num="52.444298860804906" x:fmla="=C9*(1+($D$3/12))^(61-A9)-C9" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$52.44</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
5</td>
<td align="right" x:num="185791.93296559321" x:fmla="=B9-C10" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$185,791.93</td>
<td align="right" x:num="344.17548947224543" x:fmla="=$B$4-D10" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$344.18</td>
<td align="right" x:num="698.01040670649547" x:fmla="=B9*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$698.01</td>
<td align="right" x:num="51.651397763443697" x:fmla="=C10*(1+($D$3/12))^(61-A10)-C10" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$51.65</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
6</td>
<td align="right" x:num="185446.46681803543" x:fmla="=B10-C11" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$185,446.47</td>
<td align="right" x:num="345.46614755776648" x:fmla="=$B$4-D11" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$345.47</td>
<td align="right" x:num="696.71974862097443" x:fmla="=B10*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$696.72</td>
<td align="right" x:num="50.854289412630692" x:fmla="=C11*(1+($D$3/12))^(61-A11)-C11" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$50.85</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
7</td>
<td align="right" x:num="185099.70517242432" x:fmla="=B11-C12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$185,099.71</td>
<td align="right" x:num="346.76164561110807" x:fmla="=$B$4-D12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$346.76</td>
<td align="right" x:num="695.42425056763284" x:fmla="=B11*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$695.42</td>
<td align="right" x:num="50.052956492668613" x:fmla="=C12*(1+($D$3/12))^(61-A12)-C12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$50.05</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
8</td>
<td align="right" x:num="184751.64317064217" x:fmla="=B12-C13" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$184,751.64</td>
<td align="right" x:num="348.06200178214965" x:fmla="=$B$4-D13" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$348.06</td>
<td align="right" x:num="694.12389439659125" x:fmla="=B12*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$694.12</td>
<td align="right" x:num="49.247381621008287" x:fmla="=C13*(1+($D$3/12))^(61-A13)-C13" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$49.25</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
9</td>
<td align="right" x:num="184402.27593635334" x:fmla="=B13-C14" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$184,402.28</td>
<td align="right" x:num="349.36723428883283" x:fmla="=$B$4-D14" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$349.37</td>
<td align="right" x:num="692.81866188990807" x:fmla="=B13*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$692.82</td>
<td align="right" x:num="48.437547347995064" x:fmla="=C14*(1+($D$3/12))^(61-A14)-C14" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$48.44</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
10</td>
<td align="right" x:num="184051.59857493592" x:fmla="=B14-C15" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$184,051.60</td>
<td align="right" x:num="350.67736141741591" x:fmla="=$B$4-D15" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$350.68</td>
<td align="right" x:num="691.508534761325" x:fmla="=B14*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$691.51</td>
<td align="right" x:num="47.6234361566149" x:fmla="=C15*(1+($D$3/12))^(61-A15)-C15" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$47.62</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
11</td>
<td align="right" x:num="183699.60617341319" x:fmla="=B15-C16" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$183,699.61</td>
<td align="right" x:num="351.99240152273126" x:fmla="=$B$4-D16" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$351.99</td>
<td align="right" x:num="690.19349465600965" x:fmla="=B15*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$690.19</td>
<td align="right" x:num="46.80503046223987" x:fmla="=C16*(1+($D$3/12))^(61-A16)-C16" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$46.81</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
12</td>
<td align="right" x:num="183346.29380038477" x:fmla="=B16-C17" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$183,346.29</td>
<td align="right" x:num="353.31237302844136" x:fmla="=$B$4-D17" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$353.31</td>
<td align="right" x:num="688.87352315029955" x:fmla="=B16*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$688.87</td>
<td align="right" x:num="45.982312612371175" x:fmla="=C17*(1+($D$3/12))^(61-A17)-C17" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$45.98</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
13</td>
<td align="right" x:num="182991.65650595748" x:fmla="=B17-C18" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$182,991.66</td>
<td align="right" x:num="354.63729442729812" x:fmla="=$B$4-D18" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$354.64</td>
<td align="right" x:num="687.54860175144279" x:fmla="=B17*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$687.55</td>
<td align="right" x:num="45.155264886383463" x:fmla="=C18*(1+($D$3/12))^(61-A18)-C18" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$45.16</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
14</td>
<td align="right" x:num="182635.68932167607" x:fmla="=B18-C19" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$182,635.69</td>
<td align="right" x:num="355.96718428140036" x:fmla="=$B$4-D19" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$355.97</td>
<td align="right" x:num="686.21871189734054" x:fmla="=B18*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$686.22</td>
<td align="right" x:num="44.323869495265626" x:fmla="=C19*(1+($D$3/12))^(61-A19)-C19" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$44.32</td>
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<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
15</td>
<td align="right" x:num="182278.3872604536" x:fmla="=B19-C20" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$182,278.39</td>
<td align="right" x:num="357.30206122245568" x:fmla="=$B$4-D20" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$357.30</td>
<td align="right" x:num="684.88383495628523" x:fmla="=B19*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$684.88</td>
<td align="right" x:num="43.488108581363349" x:fmla="=C20*(1+($D$3/12))^(61-A20)-C20" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$43.49</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
16</td>
<td align="right" x:num="181919.74531650156" x:fmla="=B20-C21" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$181,919.75</td>
<td align="right" x:num="358.64194395203992" x:fmla="=$B$4-D21" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$358.64</td>
<td align="right" x:num="683.54395222670098" x:fmla="=B20*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$683.54</td>
<td align="right" x:num="42.647964218118204" x:fmla="=C21*(1+($D$3/12))^(61-A21)-C21" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$42.65</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
17</td>
<td align="right" x:num="181559.75846525971" x:fmla="=B21-C22" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$181,559.76</td>
<td align="right" x:num="359.98685124186011" x:fmla="=$B$4-D22" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$359.99</td>
<td align="right" x:num="682.1990449368808" x:fmla="=B21*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$682.20</td>
<td align="right" x:num="41.803418409806966" x:fmla="=C22*(1+($D$3/12))^(61-A22)-C22" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$41.80</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
18</td>
<td align="right" x:num="181198.42166332569" x:fmla="=B22-C23" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$181,198.42</td>
<td align="right" x:num="361.33680193401699" x:fmla="=$B$4-D23" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$361.34</td>
<td align="right" x:num="680.84909424472391" x:fmla="=B22*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$680.85</td>
<td align="right" x:num="40.954453091280413" x:fmla="=C23*(1+($D$3/12))^(61-A23)-C23" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$40.95</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
19</td>
<td align="right" x:num="180835.72984838442" x:fmla="=B23-C24" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$180,835.73</td>
<td align="right" x:num="362.69181494126963" x:fmla="=$B$4-D24" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$362.69</td>
<td align="right" x:num="679.49408123747128" x:fmla="=B23*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$679.49</td>
<td align="right" x:num="40.101050127700375" x:fmla="=C24*(1+($D$3/12))^(61-A24)-C24" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$40.10</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
20</td>
<td align="right" x:num="180471.67793913712" x:fmla="=B24-C25" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$180,471.68</td>
<td align="right" x:num="364.05190924729936" x:fmla="=$B$4-D25" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$364.05</td>
<td align="right" x:num="678.13398693144154" x:fmla="=B24*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$678.13</td>
<td align="right" x:num="39.24319131427535" x:fmla="=C25*(1+($D$3/12))^(61-A25)-C25" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$39.24</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
21</td>
<td align="right" x:num="180106.26083523015" x:fmla="=B25-C26" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$180,106.26</td>
<td align="right" x:num="365.41710390697665" x:fmla="=$B$4-D26" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$365.42</td>
<td align="right" x:num="676.76879227176426" x:fmla="=B25*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$676.77</td>
<td align="right" x:num="38.380858375996468" x:fmla="=C26*(1+($D$3/12))^(61-A26)-C26" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$38.38</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
22</td>
<td align="right" x:num="179739.47341718353" x:fmla="=B26-C27" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$179,739.47</td>
<td align="right" x:num="366.78741804662786" x:fmla="=$B$4-D27" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$366.79</td>
<td align="right" x:num="675.39847813211304" x:fmla="=B26*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$675.40</td>
<td align="right" x:num="37.514032967371463" x:fmla="=C27*(1+($D$3/12))^(61-A27)-C27" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$37.51</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
23</td>
<td align="right" x:num="179371.31054631923" x:fmla="=B27-C28" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$179,371.31</td>
<td align="right" x:num="368.1628708643027" x:fmla="=$B$4-D28" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$368.16</td>
<td align="right" x:num="674.0230253144382" x:fmla="=B27*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$674.02</td>
<td align="right" x:num="36.642696672157967" x:fmla="=C28*(1+($D$3/12))^(61-A28)-C28" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$36.64</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
24</td>
<td align="right" x:num="179001.76706468919" x:fmla="=B28-C29" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$179,001.77</td>
<td align="right" x:num="369.54348163004386" x:fmla="=$B$4-D29" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$369.54</td>
<td align="right" x:num="672.64241454869705" x:fmla="=B28*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$672.64</td>
<td align="right" x:num="35.766831003095774" x:fmla="=C29*(1+($D$3/12))^(61-A29)-C29" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$35.77</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
25</td>
<td align="right" x:num="178630.83779500303" x:fmla="=B29-C30" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$178,630.84</td>
<td align="right" x:num="370.92926968615643" x:fmla="=$B$4-D30" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$370.93</td>
<td align="right" x:num="671.25662649258447" x:fmla="=B29*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$671.26</td>
<td align="right" x:num="34.886417401637914" x:fmla="=C30*(1+($D$3/12))^(61-A30)-C30" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$34.89</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
26</td>
<td align="right" x:num="178258.51754055553" x:fmla="=B30-C31" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$178,258.52</td>
<td align="right" x:num="372.32025444747956" x:fmla="=$B$4-D31" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$372.32</td>
<td align="right" x:num="669.86564173126135" x:fmla="=B30*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$669.87</td>
<td align="right" x:num="34.001437237681102" x:fmla="=C31*(1+($D$3/12))^(61-A31)-C31" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$34.00</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
27</td>
<td align="right" x:num="177884.80108515389" x:fmla="=B31-C32" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$177,884.80</td>
<td align="right" x:num="373.71645540165764" x:fmla="=$B$4-D32" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$373.72</td>
<td align="right" x:num="668.46944077708326" x:fmla="=B31*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$668.47</td>
<td align="right" x:num="33.111871809295053" x:fmla="=C32*(1+($D$3/12))^(61-A32)-C32" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$33.11</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
28</td>
<td align="right" x:num="177509.68319304448" x:fmla="=B32-C33" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$177,509.68</td>
<td align="right" x:num="375.1178921094139" x:fmla="=$B$4-D33" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$375.12</td>
<td align="right" x:num="667.068004069327" x:fmla="=B32*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$667.07</td>
<td align="right" x:num="32.217702342450309" x:fmla="=C33*(1+($D$3/12))^(61-A33)-C33" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$32.22</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
29</td>
<td align="right" x:num="177133.15860883964" x:fmla="=B33-C34" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$177,133.16</td>
<td align="right" x:num="376.52458420482412" x:fmla="=$B$4-D34" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$376.52</td>
<td align="right" x:num="665.66131197391678" x:fmla="=B33*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$665.66</td>
<td align="right" x:num="31.318909990745567" x:fmla="=C34*(1+($D$3/12))^(61-A34)-C34" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$31.32</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
30</td>
<td align="right" x:num="176755.22205744404" x:fmla="=B34-C35" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$176,755.22</td>
<td align="right" x:num="377.93655139559223" x:fmla="=$B$4-D35" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$377.94</td>
<td align="right" x:num="664.24934478314867" x:fmla="=B34*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$664.25</td>
<td align="right" x:num="30.415475835133975" x:fmla="=C35*(1+($D$3/12))^(61-A35)-C35" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$30.42</td>
</tr>
<tr height="19" style="height:14.25pt">
<td height="19" align="right" style="height: 14.25pt; color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" x:num>
31</td>
<td align="right" x:num="176375.86824398072" x:fmla="=B35-C36" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$176,375.87</td>
<td align="right" x:num="379.35381346332576" x:fmla="=$B$4-D36" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; vertical-align: middle; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
$379.35</td>
<td align="right" x:num="662.83208271541514" x:fmla="=B35*$B$3/12" style="color: windowtext; font-size: 12.0pt; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体;更多精彩文章及讨论，请光临枫下论坛 rolia.net
楼上的计算时，都没有计算卖房时给卖方代理的COMMISION。 -benbendan(笨笨蛋); 2003-7-20 (#1295492@0)

另外，我们还没有计算的是五年中的房屋维护费用。比如，刚巧您要换个顶，修个地板什么的。 -benbendan(笨笨蛋); 2003-7-20 (#1295499@0)

房顶平均20年才换, 而且25万房价, 250月管理费本身也是一种保障. 什么都要换的房, 会有人出高价买吗? -brandnew(haha); 2003-7-20 {133} (#1295645@0)
而且你做了这些维修, 房子本身也会增值, 刷一遍墙能多卖多少钱你计算了吗?

agent费只有在卖房时才有, 而且是一次性, 但房屋增值你算不算呀?

第一、并不是所有的维修都会增值，只有UPGRADE才会增值， -benbendan(笨笨蛋); 2003-7-20 {178} (#1295686@0)
第二、AGENT费我只在卖房计算了一次；
第三、现在的市场是五年后你的房子不贬值就不错了。
第四、有一大项房屋的折旧我没有计算,否则更不得了了。hahahahahahhahaha~~~~~~~~~~~~~~~~~~~~~~~

上面的计算还不够仔细，重新算一下 -benbendan(笨笨蛋); 2003-7-20 {3527} (#1295693@0)
本文发表在 rolia.net 枫下论坛房价 250000 首付 62500
贷款 187500
利率 4.50% 投资利润率 3.00%
每月偿还 $1,042.19
每月管理费 $250.00
每月水电费 $200.00
每年保险 $360.00 合每月支出 $30.00
每年地税 $2,000.00 合每月支出 $166.67
每月总支出 $1,688.85 相当于每月租房费用 $1,733.42

序号本金本金偿还利息投资损失租房的投资损失
1 $187,160.94 $339.06 $703.13 $272.95 $280.15
2 $186,820.61 $340.33 $701.85 $268.05 $275.13
3 $186,479.00 $341.61 $700.58 $263.17 $270.12
4 $186,136.11 $342.89 $699.30 $258.31 $265.12
5 $185,791.93 $344.18 $698.01 $253.45 $260.14
6 $185,446.47 $345.47 $696.72 $248.61 $255.17
7 $185,099.71 $346.76 $695.42 $243.78 $250.21
8 $184,751.64 $348.06 $694.12 $238.96 $245.26
9 $184,402.28 $349.37 $692.82 $234.15 $240.33
10 $184,051.60 $350.68 $691.51 $229.35 $235.41
11 $183,699.61 $351.99 $690.19 $224.57 $230.50
12 $183,346.29 $353.31 $688.87 $219.80 $225.60
13 $182,991.66 $354.64 $687.55 $215.04 $220.71
14 $182,635.69 $355.97 $686.22 $210.29 $215.84
15 $182,278.39 $357.30 $684.88 $205.55 $210.98
16 $181,919.75 $358.64 $683.54 $200.83 $206.13
17 $181,559.76 $359.99 $682.20 $196.12 $201.29
18 $181,198.42 $361.34 $680.85 $191.42 $196.47
19 $180,835.73 $362.69 $679.49 $186.73 $191.66
20 $180,471.68 $364.05 $678.13 $182.05 $186.85
21 $180,106.26 $365.42 $676.77 $177.39 $182.07
22 $179,739.47 $366.79 $675.40 $172.73 $177.29
23 $179,371.31 $368.16 $674.02 $168.09 $172.52
24 $179,001.77 $369.54 $672.64 $163.46 $167.77
25 $178,630.84 $370.93 $671.26 $158.84 $163.03
26 $178,258.52 $372.32 $669.87 $154.23 $158.30
27 $177,884.80 $373.72 $668.47 $149.64 $153.58
28 $177,509.68 $375.12 $667.07 $145.05 $148.88
29 $177,133.16 $376.52 $665.66 $140.48 $144.18
30 $176,755.22 $377.94 $664.25 $135.92 $139.50
31 $176,375.87 $379.35 $662.83 $131.36 $134.83
32 $175,995.09 $380.78 $661.41 $126.83 $130.17
33 $175,612.89 $382.20 $659.98 $122.30 $125.52
34 $175,229.25 $383.64 $658.55 $117.78 $120.89
35 $174,844.17 $385.08 $657.11 $113.28 $116.26
36 $174,457.65 $386.52 $655.67 $108.78 $111.65
37 $174,069.68 $387.97 $654.22 $104.30 $107.05
38 $173,680.26 $389.42 $652.76 $99.83 $102.46
39 $173,289.37 $390.88 $651.30 $95.37 $97.88
40 $172,897.02 $392.35 $649.84 $90.92 $93.32
41 $172,503.20 $393.82 $648.36 $86.48 $88.76
42 $172,107.90 $395.30 $646.89 $82.05 $84.22
43 $171,711.12 $396.78 $645.40 $77.64 $79.68
44 $171,312.85 $398.27 $643.92 $73.23 $75.16
45 $170,913.09 $399.76 $642.42 $68.84 $70.65
46 $170,511.83 $401.26 $640.92 $64.45 $66.15
47 $170,109.06 $402.77 $639.42 $60.08 $61.67
48 $169,704.78 $404.28 $637.91 $55.72 $57.19
49 $169,298.99 $405.79 $636.39 $51.37 $52.72
50 $168,891.68 $407.31 $634.87 $47.03 $48.27
51 $168,482.83 $408.84 $633.34 $42.70 $43.83
52 $168,072.46 $410.38 $631.81 $38.38 $39.39
53 $167,660.55 $411.91 $630.27 $34.07 $34.97
54 $167,247.09 $413.46 $628.73 $29.78 $30.56
55 $166,832.08 $415.01 $627.18 $25.49 $26.16
56 $166,415.51 $416.57 $625.62 $21.22 $21.78
57 $165,997.38 $418.13 $624.06 $16.95 $17.40
58 $165,577.69 $419.70 $622.49 $12.70 $13.03
59 $165,156.42 $421.27 $620.92 $8.45 $8.68
60 $164,733.57 $422.85 $619.34 $4.22 $4.33
合计： $22,766.43 $39,764.72 $8,120.56 $8,334.84
五年利息 $39,764.72 五年租房费用 $104,004.96
五年地税 $10,000.00 五年租房总费用 $112,339.80
五年管理费 $15,000.00 合每月租房费用 $1,872.33
五年水电 $12,000.00
五年保险 $0.00
买卖费用 $17,500.00
首付投资损失 $9,954.63
五年投资损失 $8,120.56
总支付 $112,339.91
合每月支出 $1,872.33更多精彩文章及讨论，请光临枫下论坛 rolia.net

几点说明 -benbendan(笨笨蛋); 2003-7-20 {3740} (#1295706@0)
本文发表在 rolia.net 枫下论坛第一、如果买房要计算投资损失的话，租房也要计算投资损失；
第二、我认为这个比较的意义并不大，因为25万的TOWNHOUSE和两室一厅的APARTMENT的生活质量不具有可比性。
第三、我再给出一个另一个比较：
十七万的两室一厅CONDO的计算，这与租房才有可比性：

房价 170000 首付 42500
贷款 127500
利率 4.50% 投资利润率 3.00%
每月偿还 $708.69
每月管理费 $400.00
每月水电费 $0.00
每年保险 $180.00 合每月支出 $15.00
每年地税 $1,000.00 合每月支出 $83.33
每月总支出 $1,207.02 相当于每月租房费用 $1,280.90

序号本金本金偿还利息投资损失租房的投资损失
1 $127,269.44 $230.56 $478.13 $195.07 $207.01
2 $127,038.01 $231.43 $477.26 $191.58 $203.30
3 $126,805.72 $232.29 $476.39 $188.09 $199.60
4 $126,572.55 $233.16 $475.52 $184.61 $195.91
5 $126,338.51 $234.04 $474.65 $181.14 $192.23
6 $126,103.60 $234.92 $473.77 $177.68 $188.55
7 $125,867.80 $235.80 $472.89 $174.23 $184.89
8 $125,631.12 $236.68 $472.00 $170.78 $181.23
9 $125,393.55 $237.57 $471.12 $167.35 $177.59
10 $125,155.09 $238.46 $470.23 $163.92 $173.95
11 $124,915.73 $239.35 $469.33 $160.50 $170.32
12 $124,675.48 $240.25 $468.43 $157.09 $166.70
13 $124,434.33 $241.15 $467.53 $153.69 $163.09
14 $124,192.27 $242.06 $466.63 $150.29 $159.49
15 $123,949.30 $242.97 $465.72 $146.91 $155.90
16 $123,705.43 $243.88 $464.81 $143.53 $152.32
17 $123,460.64 $244.79 $463.90 $140.16 $148.74
18 $123,214.93 $245.71 $462.98 $136.81 $145.18
19 $122,968.30 $246.63 $462.06 $133.45 $141.62
20 $122,720.74 $247.56 $461.13 $130.11 $138.08
21 $122,472.26 $248.48 $460.20 $126.78 $134.54
22 $122,222.84 $249.42 $459.27 $123.45 $131.01
23 $121,972.49 $250.35 $458.34 $120.13 $127.49
24 $121,721.20 $251.29 $457.40 $116.82 $123.97
25 $121,468.97 $252.23 $456.45 $113.52 $120.47
26 $121,215.79 $253.18 $455.51 $110.23 $116.98
27 $120,961.66 $254.13 $454.56 $106.94 $113.49
28 $120,706.58 $255.08 $453.61 $103.67 $110.01
29 $120,450.55 $256.04 $452.65 $100.40 $106.54
30 $120,193.55 $257.00 $451.69 $97.14 $103.08
31 $119,935.59 $257.96 $450.73 $93.89 $99.63
32 $119,676.66 $258.93 $449.76 $90.64 $96.19
33 $119,416.76 $259.90 $448.79 $87.41 $92.76
34 $119,155.89 $260.87 $447.81 $84.18 $89.33
35 $118,894.04 $261.85 $446.83 $80.96 $85.91
36 $118,631.20 $262.83 $445.85 $77.75 $82.50
37 $118,367.39 $263.82 $444.87 $74.54 $79.10
38 $118,102.58 $264.81 $443.88 $71.35 $75.71
39 $117,836.77 $265.80 $442.88 $68.16 $72.33
40 $117,569.98 $266.80 $441.89 $64.98 $68.96
41 $117,302.18 $267.80 $440.89 $61.81 $65.59
42 $117,033.37 $268.80 $439.88 $58.64 $62.23
43 $116,763.56 $269.81 $438.88 $55.49 $58.88
44 $116,492.74 $270.82 $437.86 $52.34 $55.54
45 $116,220.90 $271.84 $436.85 $49.20 $52.21
46 $115,948.04 $272.86 $435.83 $46.06 $48.88
47 $115,674.16 $273.88 $434.81 $42.94 $45.57
48 $115,399.25 $274.91 $433.78 $39.82 $42.26
49 $115,123.31 $275.94 $432.75 $36.71 $38.96
50 $114,846.34 $276.97 $431.71 $33.61 $35.67
51 $114,568.33 $278.01 $430.67 $30.52 $32.39
52 $114,289.27 $279.06 $429.63 $27.43 $29.11
53 $114,009.17 $280.10 $428.58 $24.35 $25.84
54 $113,728.02 $281.15 $427.53 $21.28 $22.58
55 $113,445.81 $282.21 $426.48 $18.22 $19.33
56 $113,162.55 $283.26 $425.42 $15.16 $16.09
57 $112,878.22 $284.33 $424.36 $12.12 $12.86
58 $112,592.83 $285.39 $423.29 $9.08 $9.63
59 $112,306.36 $286.46 $422.22 $6.04 $6.41
60 $112,018.83 $287.54 $421.15 $3.02 $3.20
合计： $15,481.17 $27,040.01 $5,803.75 $6,158.99
五年利息 $27,040.01 五年租房费用 $76,854.01
五年地税 $5,000.00 五年租房总费用 $83,013.00
五年管理费 $24,000.00 合每月租房费用 $1,383.55
五年水电 $0.00
五年保险 $900.00
买卖费用 $13,500.00
首付投资损失 $6,769.15
五年投资损失 $5,803.75
总支付 $83,012.91
合每月支出 $1,383.55更多精彩文章及讨论，请光临枫下论坛 rolia.net

其实没什么可算的，最根本的就一条，房价要涨买就合算，要跌就是租房合算。 -g35(Golf球友在哪里?); 2003-7-20 {335} (#1295807@0)
94年---2000年买了的人合算，87-94租的人和算。

很少有人一辈子不买，什么时间买是最重要的。90年的平均房价是29万，96年的平均价是19万，现在是29万。

房子平均7-8年转手一次，5%的agent fee 应计入成本。租的房一般交通方便，上下班近，也是一大优点。如果夫妻中一人在房子附近上班，可以省一辆车的开销的话，差别就太大了。租房的话这一点很容易办到。

现在出租公寓的空置率达4%，年底的预计是大於5%，明年底有些甚至预测会有10% -g35(Golf球友在哪里?); 2003-7-20 (#1295816@0)

地税可是有些低，另外好像还应该有一些维护的费用。 -ruber(穷得要命); 2003-7-22 (#1298549@0)

@Florida

我的简单计算结果

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