[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-fin_plan_prac-48-038":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-48-038","48",38,"小王申請房屋貸款 400 萬元，寬限期 2 年，採 1 年期平均定儲利率加碼 2%浮動計息之指數型房貸（假設 1 年期平均定儲利率為 1.725%，一年浮動調整一次），請問小王第一年應償還之貸款利息為多少？",[13,14,15,16],"23,188 元","69,000 元","80,000 元","149,000 元",3,"購屋規劃",1,"寬限期內只還息不還本;適用利率=定儲1.725%+加碼2%=3.725%;第一年利息=400萬×3.725%=149,000元。其餘選項因利率或本金取錯而不對。","easy",[23,27,31,35,39,43],{"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":42},"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）",29,{"id":44,"question":45,"qno":46},"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？",30,1783434648346]