Westpac cut it's mortgage standard variable rate by 0.2% from to 6.89%, 3 yrs fi

shangpin · 发表于 2014-5-31 12:43:04

原帖由 xiaoshi 于 2009-7-3 10:09 发表
享受高达到0。7%的折扣（附限制条件）
什么条件？
LOAN SIZE MUST BE AT LEAST OVER $250K.

jenny123 · 发表于 2014-5-31 14:00:57

原帖由 madling 于 2009-7-3 13:37 发表
如果fix了一半贷款，我可以把钱还到那个fix的户头吗？
MAXIMUM EXTRA PAYMENT IS $15K DURING THE FIXED PERIOD.

alyssa · 发表于 2014-5-31 15:08:26

原帖由 jenny123 于 2009-7-3 11:19 发表

LOW DOC IS SIMILAR WITH FULL DOC. HOWEVER, LOW DOC HAS EXTRA $355 LOW DOC FEE (ONE OFF PAYMENT), AND DISCOUNT WILL BE 0.6% IF YOUR LOAN SIZE IS GREATER THAN $250K UNDER PREMIER ADVANTAGE PACKAGE.
ALSO YOU ARE ALLOWED ONLY MAXIMUM BORROW OF 60% OF YOUR PROPERTY VALUE WITHOUT MORTGAGE INSURANCE.
LOW DOC ALLOWED MAXIMUM BORROWING OF 82% OF YOUR PROPERTY VALUE WITH MORTGAGE INSURANCE.

babylanghuang · 发表于 2014-5-31 16:47:01

原帖由 alyssa 于 2009-7-3 13:06 发表
MORTGAGE SECURE（相当于LIFE INSURANCE）
如果伤残给多少钱？
IT DEPENDS ON YOUR LEVEL OF COVER, WE ONLY COVER THE MAXIMUM AMOUNT OF YOUR LOAN AMOUNT. SAY FOR EXAMPLE, IF YOUR LOAN IS $500K, YOU ARE ALLOWED MAXIMUM COVER $500K FOR DEATH BENEFIT, YOUR LIVING BENEFIT WILL ONLY GET 50% OF YOUR DEATH COVER WHICH IS $250K IN THIS CASE.
THE COST OR PREMIUM WILL BASED ON YOUR AGE, GENDER, SMOKER OR NON-SMOKER AND YOUR LEVEL OF COVER TO WORK OUT PREMIUM.
FOR EXAMPLE, IF YOU ARE FEMALE, 20 YEARS OLD, NON-SMOKER, LEVEL OF DEALTH COVER THEN APPROXIMATELY PREMIUM WILL BE $18 DOLLARS.

madling · 发表于 2014-5-31 18:25:49

原帖由 desiderata 于 2009-7-3 09:41 发表
好帖，我是用的Rocket 的，刚好问一下
假设：
利率=X%
homeloan余额 offset账户余额应付利息
Yesterday: A1 B1 ...
看了老半天,不知道是不是真看懂了.
首先,C1和C2也就是因该付的利息的计算是对的.
其次,A2不等于A1+C1,
最后, A1等不等于A2,要看情况了. 如果, 你是还款方式是P&I, 然后YESTERDAY刚好是还款日期,那么A1就因该大于A2(因为你付了一次HOME LOAN REPAYMENT,减少了一部分本金); 同样是YESTERDAY刚好是还款日期,如果你的还款方式是IO(只还利息),那么A1和A2是相等的(因为本金没有减少,你只还了利息);
如果YESTERDAY不是还款日期,你是P&I, A1是等于A2的,因为你的本金没有减少.
银行是让贷款人先用,然后根据没有产生的利息累积起来,最后才CHARGE利息的.