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原帖由 lostme 于 2012-6-22 13:18 发表 
为什么 自住房，redraw和offset没区别？
offset不是可以抵利息么？
offset, your money stays in your day to day account but all counted as your paid home loan.
redraw, you have to transfer extra money, apart from your regular repayment, into the home loan account so that you pay less interest. if you need to access the "extra paid" part, you will have to "redraw" from your home loan account to your day to day account.
they are very similar regarding your concern of interest. the difference is you can use the money any time you want if it's "offset". On the other hand you have to transfer your money back to your day to day with "redraw".
so if you don't move your money frequently, then you only need "redraw", as it normally doesn't require monthly fee and with lower interest rate.
I have no idea why people need to use offset as i am not a normal ourstep member. I am still fighting for my first home...
[ 本帖最后由 doudili 于 2012-6-24 01:08 编辑 ] |
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蜜糖 （一） (2016-3-27) ahyu 
发表于 2012-6-20 22:06
