自住房快还完了，怎么处理帐户？

stunner

自己住的小UNIT就差1000就换完了，将来我们肯定要买房子，这个帐户我们是把它清为零的，还是就差几块换完？我们肯定不会把这个现住的化为投资房？因为有别的投资房。大家给点意见。(paopaobing(88))

CenCenMa

羡慕中，不知道自己的房子合适才能还完啊。

不会说

不能把帐户清零去拿房产证。就剩点零头，等有天要钱就去refinance容易。

micfox001

楼主没用offset account 来只还利息？

lucyliu8472

钱都放到offset 帐号里，等于不产生利息，想用还可以用。都还完干嘛。都还完的话，房产证给你了，你如果不卖房子，或近期不再买房子，钱就是死钱。

语阁

羡慕，我那一百万啥时候还完呀

lucyliu8472

必须有1个自住房。不能全都是投资房。留些不还，灵活性大

xkj

LZ有钱人呀。自住房贷款还完，还有一套投资房。真有米

cxjzhj

感觉LZ比较精明,以LZ的实力完全给以一开始给自己买个大HOUSE,但楼主本着买小不买大,买地段不买新房的原则,将资金一分为二另用作投资,绝对高明啊.

pow21

差几块换完

amy_guo2003

有一个问题请教大家, 如果剩几块不还完, 但是不产生利息, 那么房贷每年几百的年费还要付吗? 如果要付的话, 貌似也不合算啊

KDS摩斯狗

我也是打算自住房的offset里的钱如果和loan里的贷款差不多的时候，就从offset里面拿出钱再去买投资房。否则这个钱就是死钱。

哞哞

好羡慕

MU

再买。。华人就是这么想不开

garyyang

恭喜恭喜， 很多人一辈子都没见过房产证， 不知LZ几岁还了几年？
短期房市不会怎么样， 觉得拿房产证为上策。 存个2，3年钱， 换辆车再买套房呗

Alice_Zhao

漫步2010

进来学习下，虽然自己家的还款还遥遥无期。。。

Iamhappy

羡慕啊！

sydney2

gwang

换大房吧

stunner

amy_guo2003 发表于 2012-12-5 10:25
有一个问题请教大家, 如果剩几块不还完, 但是不产生利息, 那么房贷每年几百的年费还要付吗? 如果要付的话,  ...

啊，是吗？还有年费要交啊？那我们到底是清零还是不清零？
将来这个房子肯定是要卖了的，LS同学说的REFINANCE，在将来我们小房换大房过程中，如果不清零这灵活性体现在哪些方面啊？

stunner

刚才看了帐户，由于LG今天发薪水，帐户里不但不为负数，已经为正数了，现在转钱出来还来得及吗？

cyvs

I would say it depends on what is the structure of your loan and

If you repaid everything into the loan and do not intend to have big personal expense that you need to borrow money to pay for, then it would be better to close out the loan as you don't want to keep paying the package fee.  There are a lot of transaction accounts that do not charge fee.  

If you want to borrow to invest in shares etc, it is better to keep the loan, then redraw the money.  Interest rate on margin loan is much higher than a home loan.  Make sure the money is repaid into the loan and not the offset account, if you have one.  Drawing money from offset account to invest does not make sense as the interest expense is not tax deductable.

Since you don't intend to use the house for other purpose, and you ask what you should do with the account, that means you don't have any plan for the loan.  In this case I would say just close the loan to save yourself a few hundreds dollar a year of package fee.  It is quite easy to re-establish a loan in the future when you need it. Most places dont charge a fee these days.

依依

这边好象没有房产证吧。

barry.wang1

我这辈子都没有机会说这句话，好羡慕楼主呀。

寻找方向

羡慕中。。。

stunner

cyvs 发表于 2012-12-5 22:01
I would say it depends on what is the structure of your loan and

If you repaid everything into the ...

这位同学所说的PACKAGE FEE是什么意思。我家的帐户统一由一个所谓的金融公司管理，LG刚刚打电话了，对方说没有费用发生如果继续保留这个帐户，并不建议关闭让这个帐户余额为零，他说那就意味着这个帐户冻结了，里面的钱拿不出来了。是不是这么回事？

mineralh2o

能让看看房产证本人吗

cyvs

stunner 发表于 2012-12-5 22:20
这位同学所说的PACKAGE FEE是什么意思。我家的帐户统一由一个所谓的金融公司管理，LG刚刚打电话了，对方 ...

not sure whether you are with one of the major banks.  Most of them have a product where they charge you an annual fee of 300-400 for a package (I think ANZ calls Breakfree package).  With that you get a discount on your loan, no fees for all your transactions and savings account, a credit card with no annual fee etc.  If you don't have one of these packages, and you don't pay any fee for your home loan, then I guess it is ok to keep the loan account open.  

You can have a fully repaid home loan that remains open (loan balance of 0 and won't attract any fee and you don't need to repay any amount).  The advantage is you have a facility that you can draw on when you need money in the future.

If you have an automatic instalment repayment arrangement, make sure you stop that arrangement with the bank.  Otherwise they will automatically deduct your installment amount from your other savings/transaction account into your home loan, even though your home loan has a balance of 0.  

golden_w_jun

已经还完一套还有一套投资房，还需要到这里来问这种问题么？该怎么说呢，有钱人是不需要做功课的，会赚钱就行了