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楼主:Best888

[银行相关] 硅谷银行倒闭思考 对冲账户的钱到底安全吗 [复制链接]

发表于 2023-3-13 19:39 来自手机 |显示全部楼层
此文章由 Best888 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 Best888 所有!转贴必须注明作者、出处和本声明,并保持内容完整
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
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发表于 2023-3-13 19:54 来自手机 |显示全部楼层
此文章由 ekong 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 ekong 所有!转贴必须注明作者、出处和本声明,并保持内容完整
fcs会cover,也是25万

发表于 2023-3-13 20:05 来自手机 |显示全部楼层
此文章由 Best888 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 Best888 所有!转贴必须注明作者、出处和本声明,并保持内容完整
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……

发表于 2023-3-13 21:21 来自手机 |显示全部楼层
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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

发表于 2023-3-13 22:31 |显示全部楼层
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联名账户保50万?

发表于 2023-3-13 22:37 来自手机 |显示全部楼层
此文章由 Best888 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 Best888 所有!转贴必须注明作者、出处和本声明,并保持内容完整
Camus 发表于 2023-3-13 22:31
联名账户保50万?

应该是
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发表于 2023-3-13 23:02 |显示全部楼层
此文章由 Janet 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 Janet 所有!转贴必须注明作者、出处和本声明,并保持内容完整
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?

发表于 2023-3-13 23:05 来自手机 |显示全部楼层
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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

发表于 2023-3-14 10:39 |显示全部楼层
此文章由 zhengtao 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 zhengtao 所有!转贴必须注明作者、出处和本声明,并保持内容完整
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。

发表于 2023-3-14 11:21 |显示全部楼层
此文章由 澳洲牧羊人 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 澳洲牧羊人 所有!转贴必须注明作者、出处和本声明,并保持内容完整
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
澳政府垃圾

发表于 2023-3-14 11:23 |显示全部楼层
此文章由 yx.zhang 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 yx.zhang 所有!转贴必须注明作者、出处和本声明,并保持内容完整
银行倒闭 更要担心的是抵押物安全吧
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发表于 2023-3-14 11:39 |显示全部楼层
此文章由 kklanlan 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 kklanlan 所有!转贴必须注明作者、出处和本声明,并保持内容完整
Bank of China Australia安全吗?

发表于 2023-3-14 11:53 |显示全部楼层
此文章由 马到成功 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 马到成功 所有!转贴必须注明作者、出处和本声明,并保持内容完整
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

发表于 2023-3-14 11:54 |显示全部楼层
此文章由 kklanlan 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 kklanlan 所有!转贴必须注明作者、出处和本声明,并保持内容完整
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

发表于 2023-3-14 12:04 |显示全部楼层
此文章由 安远翔 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 安远翔 所有!转贴必须注明作者、出处和本声明,并保持内容完整
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!

发表于 2023-3-14 12:05 |显示全部楼层
此文章由 yatimmy 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 yatimmy 所有!转贴必须注明作者、出处和本声明,并保持内容完整
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。。。
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