Case analysis of credit-purchasing housing and rental housing
碩士 === 中華工學院 === 工業工程與管理研究所 === 85 === The purpose of this study is to try to take some macroeconomics variables into account to establish a mathematic model which could evaluate the benefit of credit- purchasing housing and rental housing by using net p...
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ndltd-TW-085CHPI00310212019-05-15T19:28:26Z http://ndltd.ncl.edu.tw/handle/8q2men Case analysis of credit-purchasing housing and rental housing 貸款購屋與租屋之個案分析 Kou, Chia-Jing 柯佳菁 碩士 中華工學院 工業工程與管理研究所 85 The purpose of this study is to try to take some macroeconomics variables into account to establish a mathematic model which could evaluate the benefit of credit- purchasing housing and rental housing by using net present value. Furthermore, the study suggests one way to point out the break-even point for resale of credit-purchasing housing and rental housing from consumers'' point of view. Then, three respective cases would be studied in the model. All the outcomes could be gained from Excel file programmed by the model. So as to point out the benefits of alternatives. After this cases analysis, conclusions could be sum- marized as follows: 1. It is advantageous to credit-purchase house when nominal interest rate or growth rate of renting house is high because the net present value of renting house is low. 2. It is disadvantageous to purchase a house if the rate of return of individual investment increases. One should allocates his fund to the financial products which have higher returns and rent a house instead of purchase one. 3. When the loan rate decreases, the monthly installment payment goes down. This would stimulate consumers to credit- purchasing a house. Lee Yao-Hsien 李堯賢 1997 學位論文 ; thesis 66 zh-TW |
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碩士 === 中華工學院 === 工業工程與管理研究所 === 85 === The purpose of this study is to try to take some
macroeconomics variables into account to establish a
mathematic model which could evaluate the benefit of credit-
purchasing housing and rental housing by using net present
value. Furthermore, the study suggests one way to point out the
break-even point for resale of credit-purchasing housing and
rental housing from consumers'' point of view.
Then, three respective cases would be studied in the
model. All the outcomes could be gained from Excel file
programmed by the model. So as to point out the benefits of
alternatives.
After this cases analysis, conclusions could be sum-
marized as follows:
1. It is advantageous to credit-purchase house when nominal
interest rate or growth rate of renting house is high because
the net present value of renting house is low.
2. It is disadvantageous to purchase a house if the rate of
return of individual investment increases. One should
allocates his fund to the financial products which
have higher returns and rent a house instead of
purchase one. 3. When the loan
rate decreases, the monthly installment payment
goes down. This would stimulate consumers to credit-
purchasing a house.
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author2 |
Lee Yao-Hsien |
author_facet |
Lee Yao-Hsien Kou, Chia-Jing 柯佳菁 |
author |
Kou, Chia-Jing 柯佳菁 |
spellingShingle |
Kou, Chia-Jing 柯佳菁 Case analysis of credit-purchasing housing and rental housing |
author_sort |
Kou, Chia-Jing |
title |
Case analysis of credit-purchasing housing and rental housing |
title_short |
Case analysis of credit-purchasing housing and rental housing |
title_full |
Case analysis of credit-purchasing housing and rental housing |
title_fullStr |
Case analysis of credit-purchasing housing and rental housing |
title_full_unstemmed |
Case analysis of credit-purchasing housing and rental housing |
title_sort |
case analysis of credit-purchasing housing and rental housing |
publishDate |
1997 |
url |
http://ndltd.ncl.edu.tw/handle/8q2men |
work_keys_str_mv |
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