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[养老金] Mortgage Issue [复制链接]

发表于 2007-7-25 15:09 |显示全部楼层

此文章由 wjiao 原创或转贴，不代表本站立场和观点，版权归 oursteps.com.au 和作者 wjiao 所有！转贴必须注明作者、出处和本声明，并保持内容完整

Hi, All,

Could I know if it is wisely to pay the mortgage monthly or weekly? Is the interest rate calculated daily? Any information will be appreciated. Thanks a lot.

goldenapple

积分交易之外

发表于 2007-7-25 15:13 |显示全部楼层

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http://www.oursteps.com.au/bbs/v ... hlight=%BB%B9%B4%FB

看看这个。。。

wjiao

布鞋族

发表于 2007-7-25 16:27 |显示全部楼层

Thanks

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Thanks for your nice information. All the best wishes.

wjiao

布鞋族

发表于 2007-7-25 18:04 |显示全部楼层

Further questions

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I did a small calculation on line. If I put weekly payment, let us say $612; if I put monthly payment, it is $2448, it confuses me. Because (612*52)/12=2652. it means I pay more if I follow weekly payment. Very confusing. Any advice or suggestions?

chris605

银靴族

发表于 2007-7-25 18:38 |显示全部楼层

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fornightly

wjiao

布鞋族

发表于 2007-7-25 22:09 |显示全部楼层

How about weekly?

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黑山老妖

钻石靴族

发表于 2007-7-26 09:23 |显示全部楼层

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原帖由 wjiao 于 2007-7-25 17:04 发表
I did a small calculation on line. If I put weekly payment, let us say $612; if I put monthly payment, it is $2448, it confuses me. Because (612*52)/12=2652. it means I pay more if I follow weekly ...

That's why you pay off your loan faster using weekly/fortnightly payments compare to monthly payments.

Because for some bizzar Reason the banks think 1 month = 2 fortnights = 4 weeks.
So according to banks' logic 1 year = 24 fortnights = 48 weeks.
In reality 1 year = 26 fortnights = 52 weeks
Now you know why you pay off loan faster with fortnightly or weekly repayments? Because you pay more!

[ 本帖最后由黑山老妖于 2007-7-26 12:19 编辑 ]

Happy Wife = Happy Life

wjiao

布鞋族

发表于 2007-7-26 13:15 |显示全部楼层

Thanks a lot. In that case, it makes a lot of sense. What an interesting story!

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wjiao

布鞋族

发表于 2007-7-28 03:33 |显示全部楼层

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hi, guys....any idea about coming pressure on rising interest rate......it looks more than likely the interest rate will go up due to inflation pressure.....

黑山老妖

钻石靴族

发表于 2007-7-28 08:38 |显示全部楼层

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It will go up. But most likely will be next year.

wjiao

布鞋族

发表于 2007-7-30 17:34 |显示全部楼层

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But from the news, it says it will go up very soon....in coming month..... and if you check the fixed mortgage rate, it has already gone up quite a bit...... Any the economic analysis on this prediction is negative......

chenzy0513

铜靴族

发表于 2007-7-31 13:06 |显示全部楼层

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Try fixing your rate.

And I still think the rate could only go up after election. After all, our annual CPI is still at 2.1% which is close to the bottom of RBA's target range.

wjiao

布鞋族

发表于 2007-8-1 10:08 |显示全部楼层

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It sounds reasonable......Reserve bank is quite independent from the government, but sometimes they refer ABS cpi numbers....... hope things can do well.......bloody election.....

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[养老金] Mortgage Issue [复制链接]

Thanks

Further questions

How about weekly?

Thanks a lot. In that case, it makes a lot of sense. What an interesting story!

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