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去年拿10萬紓困貸款買股！大紅包入袋「利息也繳完了」
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記者蔡佩蓉／台北報導
去年受到新冠肺炎疫情波及，政府4月底開辦勞工紓困貸款，最後共有約91.8萬人申貸成功。由於申辦條件寬鬆，當時不少上班族都在問「你貸10萬元了沒？」想買0050或中鋼進行存股，而若去年4、5月進場買股，不僅已經拿到一次股利，假若波段出脫，也是賺多於賠。
去年的勞工紓困貸款利率為郵政二年期定存利率加年息1％計算，若以當時牌告利率換算，貸款人第7個月起繳本金3333元，第13個月起含利息繳3398元，共分3年償還。若扣除勞動部補助首年利息，郵政儲金利率不變之下，總計3年利息約1500元左右。
當時不少上班族就發現，4、5月直接拿去存股，當年就可以領到股利，而貸款每月約攤還3千多元，3年後貸款繳清，等於「強迫儲蓄10萬元」。以保守的投資人來說，0050一年配發兩次股利，去年股利2900元就足夠還紓困貸款的利息。
若以去年5月0050股價約85元買入，僅買一張，以近期約128元股價換算，波段漲幅達5成。若是存低價股中鋼，去年5、6月股價約20元，等於10萬元可存5張中鋼，去年每股配發現金股利0.5元，5張為2500元。
當然也有冒險型投資人，選擇不存股。日前有網友在臉書社團PO文，用紓困貸款10萬元買生技股「景凱」已實現損益為4萬9793元，8個月大賺近5萬元；不過，他最後也表示，「借錢買股票真的是風險很大，不太正確的觀念」。
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