看到 Ubank online home loan 最近的浮动利率5.62% 好像是市场上最低的利率了. 准备网上申请了. 有没有申请过的同学可以介绍下经验,或者有何利弊之类的.
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要是有offset真不错
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这个只有REDRAW, 没有OFFSET的.
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REDRAW, 和OFFSET 没什么大区别吧。。。
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要是你的房子是自住房，redraw和offset没区别
要是是投资房，offset是必须的，不可以用redraw
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为什么 自住房，redraw和offset没区别？
offset不是可以抵利息么？
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UBank的refinace曾经尝试申请，后来还是没有用。主要原因如下：
1。除了fulltime的人的收入才是收入，其他的收入都一概不能作为参考，包括contractor, self-employed, 等。。。
2。 refinance最多只批剩余贷款额+10w。
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offset, your money stays in your day to day account but all counted as your paid home loan.
redraw, you have to transfer extra money, apart from your regular repayment, into the home loan account so that you pay less interest. if you need to access the "extra paid" part, you will have to "redraw" from your home loan account to your day to day account.
they are very similar regarding your concern of interest. the difference is you can use the money any time you want if it's "offset". On the other hand you have to transfer your money back to your day to day with "redraw".
so if you don't move your money frequently, then you only need "redraw", as it normally doesn't require monthly fee and with lower interest rate.
I have no idea why people need to use offset as i am not a normal ourstep member. I am still fighting for my first home...
[ 本帖最后由 doudili 于 2012-6-24 01:08 编辑 ]
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网上看要差不多3个月才批？
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我的一个月就批了, 正准备签合同了.
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我的已经签完合同，邮寄回去了，，希望能拿到500的credit
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