告别"无债一身轻"：现代视角下的购房财务真相 许多国人秉持着"无债一身轻"的传统观念，在购房时倾向于一次性付清全款，认为背负长达三十年的贷款，支付高额利息，无异于为银行白白打工。然而， 在现代金融和经济学的审视下，这种看似稳妥的"全款至上"思维，实则可能让你在无形中错失巨大的财富增值机会，甚至造成不必要的财务损失。今天，让 我们拨开迷雾，细致地分析这笔购房账。 首先，打破"利息账"的表面迷雾 以一套总价200万元的房产为例，我们来比较全款和贷款两种方式的差异： 全款购房： 一次性支付200万元，房屋产权完全属于你，无需承担任何后续利息支出，看似省心。 贷款购房（30年）： 首付30%（即60万元），贷款140万元。假设当前商业贷款利率为3.1%，采用等额本息还款方式，分30年偿还。 通过房贷计算器可以得出，总还款额约为215.2万元，其中利息总额高达75.2万元。 仅仅因为选择了贷款，就要多支付银行75.2万元的利息，这几乎相当于本 金的一半。很多人看到这里，便更加坚定了全款购房的决心。然而，这仅仅是最为浅显、片面的计算方式，忽略了至关重要的几个因素。 其次，揭示被忽视的"机会成本账" 机会成本，是指为了选择 ...

Aircraft Utilization & Operations - Aircraft utilization was approximately 20% below 2019 levels during July [4] - December aircraft utilization is scheduled to be within 6% of 2019 levels [4, 8] - March aircraft utilization is expected to be within 5% of 2019 levels [4, 8] - The company received its first Boeing 737 MAX in September 2024 and entered revenue service in mid-October 2024 [4, 14] Financial Performance & Outlook - The company expects 2024 cobrand remuneration to exceed $140 million with continued growth in 2025 [4] - Hurricane impact is expected to reduce 4Q24 Airline EPS by $1.25, from $2.25 to $1.00 [17] - Total liquidity at the end of the quarter was $1.1 billion, including $805 million in cash and investments and $275 million in undrawn revolver capacity [24] - The company made principal payments totaling $107 million, including $60.6 million prepayment of debt on PDP loans [24] - The company anticipates interest expense between $150 million and $160 million for FY 2024 [26] Fleet & Efficiency - The 737-8200 offers a 26% increase in ASMs per gallon compared to the A320 [12] - The 737-8200 adds 10 seats per departure compared to the A320 [12] Sunseeker Resort - Sunseeker is expected to have an EBITDA loss between $(25) million and $(30) million for FY 2024, excluding special charges [29]