硅谷银行倒闭思考 对冲账户的钱到底安全吗

Best888

abercorn 发表于 2023-3-13 19:22
我已经开始担心了，我们仅有的一点存款全放在房贷的offset账号里了。就是说夫妻两人买房的贷款offset账号最 ...

爬爬楼 楼上足友都有办法

ekong

fcs会cover，也是25万

Best888

ekong 发表于 2023-3-13 19:54
fcs会cover，也是25万

这里华人朋友们很多都超这个数啊……

ekong

Best888 发表于 2023-3-13 19:05
这里华人朋友们很多都超这个数啊……

那把超出部分放房贷吧

Camus

联名账户保50万？

Best888

Camus 发表于 2023-3-13 22:31
联名账户保50万？

应该是

Janet

hpe2364 发表于 2023-3-13 15:19
Easy, something happen! transfer all your money to your loan account!!!

但是这样不是无法取出了吗？

zhuzhu007

Janet 发表于 2023-3-13 23:02
但是这样不是无法取出了吗？

换个能redraw的房贷吧，别玩儿offset啦。这玩意儿又贵，风险还高。好像保税有啥优惠还是什么。反正费用比较高

zhengtao

Best888 发表于 2023-3-13 18:07
请教一下放进贷款账户 实际上就是把贷款还了吧？那要用时取不出来了吧？ ...

大部分银行，浮动利率的产品，都有一个叫做redraw的功能。可以随存随取的。

澳洲牧羊人

zhengtao 发表于 2023-3-14 10:39
大部分银行，浮动利率的产品，都有一个叫做redraw的功能。可以随存随取的。
...

嗯，我觉得其实比offset好，而且offset也不能说就一定安全了，国家都可以破产，这个25w也不一定就安全，当然了，澳洲破产难度确实大了

yx.zhang

银行倒闭 更要担心的是抵押物安全吧

kklanlan

Bank of China Australia安全吗？

马到成功

kklanlan 发表于 2023-3-14 11:39
Bank of China Australia安全吗？

中国银行也在澳洲政府担保的名单内


This list below contains ADIs and their trading names and was last updated on 14 March 2023.

Alex Bank Pty Limited
AMP Bank Ltd
Arab Bank Australia Limited
Australia and New Zealand Banking Group Limited
Australian Military Bank Ltd
-RSL Money

Australian Mutual Bank Limited (trading as Endeavour Mutual Bank and Sydney Mutual Bank)
Australian Settlements Limited (provides industry services)
Australian Unity Bank Limited
Auswide Bank Ltd
-Queensland Professional Credit Union Ltd

Avenue Bank Limited*
B&E Ltd (trading as Bank of us)
Bank Australia Limited
Bank of China (Australia) Limited
Bank of Queensland Limited
-BOQ Specialist (BOQS)
-ME Bank

Bank of Sydney Ltd
Bendigo and Adelaide Bank Limited
-Adelaide Bank
-Alliance Bank
-AWA Alliance Bank
-BDCU Alliance Bank
-Bendigo Bank
-Circle Alliance Bank
-Community Sector Banking
-Delphi Bank
-Nova Alliance Bank
-Rural Bank
-Service One Alliance Bank

Beyond Bank Australia
-Nexus Mutual

BNK Banking Corporation Limited (previously Goldfields Money Limited)
-Goldfields Money

Cairns Penny Savings & Loans Limited (provides general banking services)
Central Murray Credit Union Limited
Central West Credit Union Limited
Challenger Bank Limited (previously MyLifeMyFinance Limited)
Coastline Credit Union Limited
Commonwealth Bank of Australia
-Bankwest

Community First Credit Union Limited
Credit Union Australia Ltd (trading as Great Southern Bank)
Credit Union SA Ltd
Cuscal Limited (provides industry services)
Defence Bank Limited
Dnister Ukrainian Credit Co-operative Limited
Family First Credit Union Limited
Fire Service Credit Union Limited
First Choice Credit Union Ltd
First Option Bank Ltd
Ford Co-operative Credit Society Limited (trading as Geelong Bank)
G&C Mutual Bank Limited
Gateway Bank Ltd
Goulburn Murray Credit Union Co-operative Limited
Greater Bank Limited
Heritage and People’s Choice Limited
-Heritage Bank
-People’s Choice Credit Union

Horizon Credit Union Ltd (trading as Horizon Bank)
HSBC Bank Australia Limited
Hume Bank Limited
IMB Ltd (trading as IMB Bank)
-The Shire

Illawarra Credit Union Limited
in1bank Ltd*
Indue Ltd
ING Bank (Australia) Limited (trading as ING)
Judo Bank Pty Ltd
Laboratories Credit Union Limited
Lithuanian Co-operative Credit Society "Talka" Limited
Lutheran Laypeople's League of Australia
MacArthur Credit Union Ltd (trading as The MAC)
Macquarie Bank Limited
Macquarie Credit Union Limited
Maitland Mutual Limited (trading as The Mutual Bank)
Members Banking Group Limited (trading as RACQ Bank)
MyState Bank Limited
National Australia Bank Limited
-Ubank

Newcastle Permanent Building Society Limited
Northern Inland Credit Union Limited
Orange Credit Union Limited
Police Bank Ltd (trading as Border Bank)
Police Credit Union Limited
Police Financial Services Limited (trading as BankVic)
Police & Nurses Limited (trading as P&N Bank)
-bcu

Pulse Credit Union Limited
QPCU Limited (trading as QBANK)
Qudos Mutual Ltd (trading as Qudos Bank)
Queensland Country Bank Limited
Rabobank Australia Limited
Railways Credit Union Limited (trading as MOVE)
Regional Australia Bank Ltd
South West Slopes Credit Union Ltd
Southern Cross Credit Union Ltd
South-West Credit Union Co-Operative Limited
Summerland Financial Services Limited (trading as Summerland Credit Union)
Suncorp-Metway Limited
Teachers Mutual Bank Limited (trading as Firefighters Mutual Bank, Health Professionals Bank, Hiver Bank, Teachers Mutual Bank and UniBank)
The Broken Hill Community Credit Union Ltd
The Capricornian Ltd
Traditional Credit Union Limited
Transport Mutual Credit Union Limited
Tyro Payments Limited
Unity Bank Limited (trading as Reliance Bank, Bankstown City Unity Bank and Unity Bank)
Victoria Teachers Limited (trading as Bank First)
Warwick Credit Union Ltd
-Dalby Credit Union
-Gympie Credit Union

WAW Credit Union Co-Operative Limited
-BankWAW

Westpac Banking Corporation
-Bank of Melbourne
-BankSA
-St George Bank

Woolworths Team Bank Limited

kklanlan

马到成功 发表于 2023-3-14 11:53
中国银行也在澳洲政府担保的名单内

谢谢

安远翔

现在应该是抄底西太银行股票的好时刻啊！
21刀附近的价格，
很诱人啊！

yatimmy

abercorn 发表于 2023-3-13 19:22
我已经开始担心了，我们仅有的一点存款全放在房贷的offset账号里了。就是说夫妻两人买房的贷款offset账号最 ...

我也是，仅有的现金流全部在对冲，虽然不多，但是也是自己全部家当，而且又在westpac下面的小银行，到现在看了大家反馈，也不知道是独立银行还是就是Westpac的分支。。。

hpe2364

马到成功 发表于 2023-3-13 18:09
是，联名账号是50万

thanks

swe

Best888 发表于 2023-3-13 18:39
爬爬楼 楼上足友都有办法

就怕到时候网银不好使了。。。

Best888

zhuzhu007 发表于 2023-3-13 23:05
换个能redraw的房贷吧，别玩儿offset啦。这玩意儿又贵，风险还高。好像保税有啥优惠还是什么。反正费用比 ...

请教下redraw 的房贷是什么意思？今天去Nab问了下 他们说唯一就是把多余钱还入贷款账户，把帐消了。但是问题就是这样如果要用钱就拿不出来。只能重新找银行批额度。没有和我说redraw 的事。

Xenabear

我的钱基本都在CBA loan account，这个是浮动利率，而且我没搞offset，直接都放loan account了，CBA应该不可能倒闭吧？好吧就算它倒了也是我欠它钱。这是不是贷款买自住房房唯一的好处？不用担心银行倒闭了，反正谁欠钱谁是大爷。ANZ的offset还有12万的offset,这个少于25万应该是cover的吧？

Best888

Xenabear 发表于 2023-3-14 12:47
我的钱基本都在CBA loan account，这个是浮动利率，而且我没搞offset，直接都放loan account了，CBA应该不 ...

Loan account里面是负数 当然不怕银行倒。不过你不用对冲账户，直接还loan, 要用钱就只能靠自己的每月固定收入了

zhuzhu007

Best888 发表于 2023-3-14 12:47
请教下redraw 的房贷是什么意思？今天去Nab问了下 他们说唯一就是把多余钱还入贷款账户，把帐消了。但是 ...

有些房贷账户，是有redraw功能的，去st George问问就知道啦。如果你现在的房贷没有，只有offset，可以考虑转贷去一个有的。

Xenabear

Best888 发表于 2023-3-14 11:49
Loan account里面是负数 当然不怕银行倒。不过你不用对冲账户，直接还loan, 要用钱就只能靠自己的每月固 ...

要用钱可以随时从loan account redraw,它只会hold 我当月的几千刀的repayment而已，我已经放了几十万在loan account.

Best888

zhuzhu007 发表于 2023-3-14 12:52
有些房贷账户，是有redraw功能的，去st George问问就知道啦。如果你现在的房贷没有，只有offset，可以考 ...

谢谢

Best888

Xenabear 发表于 2023-3-14 12:52
要用钱可以随时从loan account redraw,它只会hold 我当月的几千刀的repayment而已，我已经放了几十万在lo ...

看来您这个和楼上那位意思是一样的 就是用 redraw

yatimmy

zhuzhu007 发表于 2023-3-14 12:52
有些房贷账户，是有redraw功能的，去st George问问就知道啦。如果你现在的房贷没有，只有offset，可以考 ...

你说的ST G是算是Westpac吗？

zhuzhu007

yatimmy 发表于 2023-3-14 13:11
你说的ST G是算是Westpac吗？

算westpac子公司啊，单人在存款和offset账户不要放超25万澳币，联名账户别放超50万澳币就行啦。

yatimmy

zhuzhu007 发表于 2023-3-14 13:42
算westpac子公司啊，单人在存款和offset账户不要放超25万澳币，联名账户别放超50万澳币就行啦。 ...

普通老百姓承受不了这种突发事件，虽然没有那么多存款，但也非常担心

flyinfree

陨落心炎 发表于 2023-3-13 17:31
感慨一下我没有这样的烦恼，20万我都没有lol

唉呀，我的回复被你抢先了。。。本来我想说我的贷款是远远超过25W的，要有存款，我都拿去还债啦

morin

像澳洲这四大银行，应该不会吧