NAB房屋贷款问题

sinokai

有一个疑问，本人用nab浮动利率贷款。开始利息在8.9%，两年了，现在利息6.09%
但是为什么每个月的repayment从来没变过。
感觉应该是随着利息的变化，repayment也应该变化才对啊？
那位tx知道，能否告知原因？

sinokai

没人知道？

卡落琳0000

关注 我也想知道

nabzhou

Give me your account No, I will check for you.

jerrymelb

原帖由 sinokai 于 2010-4-6 16:05 发表
有一个疑问，本人用nab浮动利率贷款。开始利息在8.9%，两年了，现在利息6.09%
但是为什么每个月的repayment从来没变过。
感觉应该是随着利息的变化，repayment也应该变化才对啊？
那位tx知道，能否告知原因？

这不奇怪吧，只要你不主动要求银行重算，不变的。
多付的等于多还本金了
不过要是利息涨了，银行会马上通知你多交的

masterniu

通知银行就可以了，其实你在多付房贷，无形中你会发现你的Redraw amount会增多的。
多付房贷没什么不好的

jands

可能他們幫你設定了固定的金額,通知 NAB 一聲,說你只要付 minimum repayment 就可以了.

blahblah

When the interest is coming down for p&i repayment only the interest part has been reduced however the total repayment should not be changed unless you request. By giving that you actually pay more on your priciple rather than your interest.

For me if you could afford the repayment leave it as it is. The total interest would be reduced. :-)

well on the other side if the interest is going up your interest part will also be increased, once p+I is more than your current repayment bank will AUTOMATICALLY increase your minimum repayment.