[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_prac-48-029":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fin_plan_prac","理財規劃人員專業能力測驗——理財規劃實務","c8",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fin_plan_prac-48-029","48",29,"小張有一市價 1,200 萬元的房屋，想在 10 年後換購目前市價 2,000 萬元的別墅，假設房價每年以 3%成長，請問 10 年後換屋應補的房價為多少？（四捨五入至萬元）",[13,14,15,16],"1,075 萬元","1,080 萬元","1,090 萬元","1,100 萬元",0,"購屋規劃",1,"兩屋都以每年3%複利成長,價差同步放大:(2000−1200)×1.03^10=800×1.3439≈1,075萬,故10年後需補約1,075萬。其餘選項未正確以複利放大價差,故偏高或偏低。","medium",[23,27,31,35,39,42],{"id":24,"question":25,"qno":26},"fin_plan_prac-46-025","下列何者非為房貸轉貸之費用？",25,{"id":28,"question":29,"qno":30},"fin_plan_prac-46-026","有關房貸轉貸考量之因素，下列敘述何者正確？ A.利率差距 B.鑑價、代償及代書等轉貸費用 C.轉貸額度",26,{"id":32,"question":33,"qno":34},"fin_plan_prac-46-027","有關購屋或租屋之決策，下列哪些為使用淨現值法時需考慮之變數？a.折現率 b.未來各期淨現金流量 c.年限",27,{"id":36,"question":37,"qno":38},"fin_plan_prac-46-028","張先生申請房屋貸款 500 萬元，年利率 3%，貸款期間 20 年，約定採本利平均攤還法按年清償；其於償還第 7期本利和後，因急需資金旋即於原案項下增貸 50 萬元並將貸款期間由原先 20 年延為 25 年，其他條件不變。則至此之後，張先生每期所須償還之本利和為多少？（取最接近值）",28,{"id":40,"question":41,"qno":10},"fin_plan_prac-46-029","阿義目前有 100 萬元現金及每年投資 80 萬元，預計 3 年後要購屋，房貸利率 5%，借期 20 年，投資報酬率 6%，自備款三成，則 3 年後阿義至多有能力買若干金額之房子？（取最接近值）",{"id":43,"question":44,"qno":45},"fin_plan_prac-46-030","店面與辦公大樓估價時通常採收益還原法，設若台北市某辦公大樓樓層面積 100 坪，每月淨租金收入為 18 萬元，未來市場投資年收益率 6%，請問其合理總價為何？",30,1783434648264]