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Abstract

<p id="5d64" type="7">一言蔽之，在考慮所有利息、手續費、服務費、雜費、還款假期、利息回贈、現金回贈、分期供款等花巧東西後，化繁為簡，變為我們最熟悉的那個利率便是「實際年利率」喇！</p><h1 id="6d4d">認識「實際年利率」的好處</h1><p id="3f62">好處只有一個，因為「實際年利率」是一個化繁為簡後的利率，赤條條無遮無掩無得花巧，<b>所以是一個可以用來 apple-to-apple 用來直接比較不同貸款方案利息平貴的 rate！</b> <b>其他所有 rate 什麼手續費什麼月平息基本上都可以掃開喇！</b></p><h1 id="bf34">APR 很好，但要小心別把優惠 double-count！</h1><p id="752a">根據銀行公會的指示，如果銀行為客戶提供現金回贈時，是有責任<b>同時提供</b>「包括」和「不包括」現金回贈的 APR，但在廣告 tagline 時仍然可以選擇只寫其中一個 (當然是抱括現金回贈的那個，因為那個 APR 較低嘛)。</p><p id="99ae">以大新銀行「分期快應錢」做個例子，貸款額 $100 萬的客戶一般可享 $2,000 的現金回贈，以 12 個還款期計算，當考慮這筆 $2,000 回贈時，APR 為 2.08%，不考慮時則升至 2.45%。</p><figure id="a9d1"><img src="https://cdn-images-1.readmedium.com/v2/resize:fit:800/1*mq63eY3Knbz21nm0RbCoqw.png"><figcaption>source: <a href="http://www.dahsing.com/html/tc/personal_loan/express_money.html">http://www.dahsing.com/html/tc/personal_loan/express_money.html</a></figcaption></figure><figure id="cb60"><img src="https://cdn-images-1.readmedium.com/v2/resize:fit:800/1*WEIvTX8iHtWCiQ1ZS9cPJg.png"><figcaption>source: <a href="http://www.dahsing.com/tc/pdf/loan/em_T&C_tc.pdf">http://www.dahsing.com/tc/pdf/loan/em_T&C_tc.pdf</a></figcaption></figure><p id="df8b">但當你瀏覽宣傳單張、瀏覽網頁或在分行被銷售的時候，經時會看到 / 聽到類似的話：</p><p id="023a" type="7">好抵架，如果借 $100 萬，APR 低到 2.08%，「仲有」 $2,000 現金回贈添！</p><p id="57dc">留意番，魔鬼就在「仲有」兩隻字嗰度，2.08% 已考慮 $2,000 現金回贈！所以唔應該係「仲有」，而應該係「包括咗」... <b>一個不小心就會把優惠 double-count 了！</b></p><p id="cba2">另外一個可以降低 APR 的方法便是提供「首月還款假期」，即第二個月才開始還款，類似的 tagline 包括：</p><

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p id="8889" type="7">好抵架，如果借 $100 萬，APR 低到 2.08%，「仲有」首月還款假期添！</p><p id="3599">謹記所有優惠也會影響 APR ，<b>分清楚到底廣告／職員說的到底是「優惠前」還是「優惠後」的 APR 就能作出精明選擇了</b>。</p><p id="166e">版主推介：</p><div id="7d3e" class="link-block"> <a href="https://medium.com/@Watin/%E9%8A%80%E8%A1%8C%E5%B0%8F%E7%9F%A5%E8%AD%98-1-%E8%B2%B8%E6%AC%BE%E5%89%8D%E5%BF%85%E8%A6%81%E6%90%9E%E6%87%82%E7%9A%84-78-%E6%B3%95%E5%89%87-c4fbdc2cd0c3"> <div> <div> <h2>銀行小知識 (1) — 貸款前必要搞懂的「78 法則」</h2> <div><h3>知道了做貸款便有預算了</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/1*jNn_gXMBUzrq4tf_96JwXA.png)"></div> </div> </div> </a> </div><div id="6ca5" class="link-block"> <a href="https://medium.com/@Watin/%E4%BF%A1%E7%94%A8%E5%8D%A1%E9%96%91%E8%AB%87-11-%E5%B8%B6-2-%E5%BC%B5%E5%85%AB%E9%81%94%E9%80%9A-50b7ca868310"> <div> <div> <h2>信用卡閑談(11) — 如何賺盡八達通回贈?</h2> <div><h3>帶 2 張八達通出街！</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/1*acfp_LQv6zcOi9ce0R0-Pg.png)"></div> </div> </div> </a> </div></article></body>

$100 vs 100 Medium stories: Which will come first?

And I will do my best to reach them both! 😁😎

Hello everyone! 👋

So far, my journey on Medium was quite… ordinary. I guess. At least in terms of my stories’ stats. 😁

In my opinion, I was quite fast to gain my first 100 followers, got approved in MPP, and even received a comment from Medium CEO. Quite a good start, huh? 👍

But my earnings, views, and reads are pretty slow and… well, again, ordinary. 💤

To this date, I have published 20 Medium stories, and this is what I have earned so far:

Overview — $6.81 in total or $0.34 per story on average. So nothing very exceptional here. 🤷‍♂️

From what I have read, I formed an opinion that one story can earn $0.01 and another $100. More or less, it all depends on “luck” provided by the almighty Medium algorithm or distribution system. 🤖

Famous Italian football coach Gennaro Gattuso would describe this situation perfectly in one sentence: ⚽😂

In other words — Medium earnings are almost as unpredictable as life itself! 😂

One hundred is such a beautiful number, so I wonder which will come first: will I earn $100 or write 100 Medium stories? I hope sooner or later, I will reach them both. 😎

What do you think? Let me know in the comments! 🤪

…79 stories to go, and my journey continues…

And if you like what I am doing, please go to this Medium list, and click the “Save” icon on it. By doing that, you will never miss my new upcoming stories! Thank you! 🙏

Medium Tips by StrangeCash

My stories about becoming better at Medium. 😎

medium.com

⚠️ IMPORTANT UPDATE⚠️

So after ~163 days of brutal fight between my stories and Medium, I can announce the winner! It is revealed in this story:

$100 vs 100 Medium Stories: The Race Is Over…

Ladies and gentlemen, I think we have a winner! 🍾😀

medium.com