贷款银行不想用CBA了，关于利率有若干问题

arthurm

也不建议楼主更换银行。换来换去， 每年为你剩下的利息， 或许只有几十块钱，具体数额 当然要看你每年的偿还能力了。况且更换银行， 往往要发生一些费用， 或许远大于你省下的那点。

sche7172

学习了

Biggirl

会继续降

go24k

arthurm 发表于 2013-5-24 21:58

建议楼主不要换。
假如你将浮动改为固定， 每年为你省下了5.45-4.99%=0.46%，一千元里面你省下了4.6元，你 ...
LZ has a loan of $260,000 so the saving in interest is $1,196...

arthurm

go24k 发表于 2013-5-24 22:13

LZ has a loan of $260,000 so the saving in interest is $1,196...
楼主的26万， 大概不会是一年就还清吧。

go24k

arthurm 发表于 2013-5-24 22:15

楼主的26万， 大概不会是一年就还清吧。
LZ won't pay off the loan in one year, but the interest is calculated based on the principal ($260,000), so it doesn't matter when LZ pays off the loan.

junniao

关键在260k，no fee variable这个产品还是不错的。
lz再好好研究下产品： packaged loan 和 non packaged loan。每个银行都是这2种产品。

arthurm

go24k 发表于 2013-5-24 22:19

LZ won't pay off the loan in one year, but the interest is calculated based on the principal ($260 ...
楼主是想对 固定和浮动做比较。既然是比较， 前提当然是在同一个时间段发生的费用。你算总帐， 那么固定费用是不是也该算总帐？ 假如楼主打算十年还清， 总的固定费用就是3750元， 依旧是远大于省下的利率。

go24k

arthurm 发表于 2013-5-24 22:26

楼主是想对 固定和浮动做比较。既然是比较， 前提当然是在同一个时间段发生的费用。你算总帐， 那么固定 ...
I have a feeling you are calculating the interest based on the repayments ($20,000 per year) made.
Let's take a step back and re-think what you wrote. The interest should be calculated based on the principal ($260,000).
So, saving in interest for the first year is (5.45%-4.99%) x $260,000 = $1,196.
In second year, assuming the principal owed to bank is $240,000 (if we pay off $20,000 in principal in first year), then savings in interest is 0.46% x $240,000 = $1,104 in second year, and so on after that.

arthurm

go24k 发表于 2013-5-24 22:37

I have a feeling you are calculating the interest based on the repayments ($20,000 per year) made. ...
you are right. Thanks