本文分別針對固定利率與指數型房貸這兩種房貸商品建立對應之總利潤現值函數，主要目的在於決定銀行的最適房貸利率，以使得其期望總利潤現值為最大。文中發現放款利率與需求數是決定營收的最主要因素，對銀行利潤而言，會隨著利率、貸款額度與需求數呈正向影響，與提前償還成反向影響，故銀行擬定放款利率時應謹慎考量之間的得失權宜來擬定最適的放款利率。 This study establishes present value of total profit function for analyzing fixed rate mortgage and adjustable rate mortgage, and decides the optimal mortgage interest rate in order to get the expected present value of total profit. In this research, we find the factors for deciding mortgage revenue amount are interest rate and demand for mortgage. As for concerning profit for banks, the interest rate, demand, and quota for mortgage have positive effects for profit, and prepayment amount has negative effect for profit. Thus, while setting interest rate for mortgage, banks should concern benefit and cost with care in order to decide the optimal interest rate for mortgage.
