关于 Fully offset 问题

lique

小白请教，情况如下：

1. 现在是 I+P
2. Offset account 的钱 和 Loan Amount 是相等的

请教 银行每月会从 offset account 划走多少$ 呢 （因为没有interest )？ 这样 offset $ = home loan amount  在投资理财角度 策略对吗？

小白在不解 不解中  多谢指点

cycwong21

同問！從未用過 offset account 的(paopaobing(51))

golden_w_jun

0，策略对，交点帐户费，换来流动性

lique

看到账单了 银行划走了 I + p 的mimimum  pay 的金额 但是全算作成P 了

太不明白了 求解

dimao111

lique 发表于 2012-12-20 22:26
看到账单了 银行划走了 I + p 的mimimum  pay 的金额 但是全算作成P 了

太不明白了 求解  ...

因为你对冲账户里金额等于你贷款总金额，所以你的mmr 里全算作还本金principal, mmr不变，你的总贷款年限缩短，offset里的钱会慢慢流向你的本金直到本金还完。理论上来讲，一二十年内就不用管了。

spcd990

dimao111 发表于 2012-12-20 23:44
因为你对冲账户里金额等于你贷款总金额，所以你的mmr 里全算作还本金principal, mmr不变，你的总贷款年限 ...

如果是interest only~offset 里的钱等于贷款数~每月银行还会从offset里转钱走么？
如果也转~这个钱就算还principle了么？

lique

dimao111 发表于 2012-12-21 00:44
因为你对冲账户里金额等于你贷款总金额，所以你的mmr 里全算作还本金principal, mmr不变，你的总贷款年限 ...

请教什么是 mmr

dimao111

lique 发表于 2012-12-22 21:13
请教什么是 mmr

Minimum monthly repayment

dimao111

spcd990 发表于 2012-12-21 06:57
如果是interest only~offset 里的钱等于贷款数~每月银行还会从offset里转钱走么？
如果也转~这个钱就算还 ...

An interest only offset home loan means you can reduce your loan repayments considerably because you are only paying off the interest component of your loan while at the same time your offset savings account is working for you to even further reduces the amount of interest payable.

It is a popular option for investors as it helps to keep your monthly repayment costs to a minimum but it is also handy for home buyers who need to free up their cash flow during the construction of a new home. It remains important to not forget that while you are not paying anything off the principal amount of the home loan your actual loan amount itself will not reduce.

T1GER

dimao111 发表于 2012-12-23 22:40
An interest only offset home loan means you can reduce your loan repayments considerably because y ...

如果假设楼主只是INTEREST ONLY

楼主OFFSET里的钱和已经完全和贷款数额一样了

那这样的话

是不是不会产生任何费用

除了offset本身的年费

不知道这么理解正确否

谢谢