Interest only + offset 还贷中出现的问题

youpassit:) · 发表于 2014-5-31 03:58:36

HSBC的货款 interest only，昨天看statement 发现个问题。我们存在offset里面的钱比上个月多了，利息比上个月减了，但是还的interest 却比上个月多100块？
不解，就发邮件问了bank manager, 她回答说利息按每天计算，所以可能有的月还得多有的月还的少。这是她一惯给我的解释。大家觉得这解释对吗？

lin324 · 发表于 2014-5-31 04:28:16

depends on how much your loan amount is and what the interest rate has reduced by.

xialiaoliao · 发表于 2014-5-31 05:08:28

同问

lin324 · 发表于 2014-5-31 05:44:14

I had the same experience with St George when I requested something to be changed. They insist that it was correct but couldn't tell me why the interest was more. Finally they asked their team to recalculate and found that their calculation was incorrect because they have updated my account setting incorrectly.

天行健 · 发表于 2014-5-31 07:19:30

一年中是有几个月是31天的！

youpassit:) · 发表于 2014-5-31 08:45:27

lin324 发表于 2012-11-21 12:19

I had the same experience with St George when I requested something to be changed. They insist that ...
这正是我担心的呀。前阵子为了从 I+P 转成 interest only, 要收我们 3000多刀 penalty fees，跟HSBC大搞了一番，后来他们妥协了，让我们转 interest only ,没收罚金，但我发现我们的贷款余额平白无故多了3000多，他们也没很好的解释，就说这是我的贷款余额。现在还利息又这样，真想撤了

youpassit:) · 发表于 2014-5-31 10:01:34

天行健发表于 2012-11-21 12:25

一年中是有几个月是31天的！
没看懂。

Pluto06 · 发表于 2014-5-31 11:03:19

variable的话有可能.
举个例子: (由于利息每天都不一样, 所以我就以一个月的平均值来算吧)
[3年的interest only].
3月份平均利息是5.7%, 减去offset的钱后 loan有$300,000, 那interest = $300,000*5.7% / 12month=$1425
4月份平均利息高了点5.8%, 你往offset账户里打了本月总计$4000, 那interest = $296,000*5.8% / 12month = $1431

lin324 · 发表于 2014-5-31 11:35:27

Pluto06 发表于 2012-11-21 13:29

variable的话有可能.
举个例子: (由于利息每天都不一样, 所以我就以一个月的平均值来算吧)
[3年的interest ...
but the interest dropped and offset amount increased...the total interest should not increase....

Pluto06 · 发表于 2014-5-31 12:43:51

你说利率比上个月减了是从哪里看到的?
可能本月某几天减了,但是另几天却高了点. 平均下来这个月的利率比上个月的还高一点点呢.

[全澳] Interest only + offset 还贷中出现的问题

发表回复

精选推荐