有没有谁因卖房被银行收利息损失费的？

ruxin

学习

qqyang

stypost 发表于 2013-6-13 16:27

卖和买之间相隔多久可以做?
我是同日成交。但如果有gap，可以做bridging loan。具体咨询你的lending manager或者贷款broker。我不是专业做贷款的，这里的金融产品选择还是很多的。

click

qqyang 发表于 2013-6-13 16:26

可以，我就这么做的。我家贷款在Westpac。
求详解。
是不是之前固定的数额和利率都是和之前一样的？

patricb

click 发表于 2013-6-13 16:25

FIX不可以的。
因为肯定BREAK THE CONTRACT了。
Portabilty can be done on fixed rate when sell & buy, it does not break contract(only change security),you can have the purchase settlement up to 6 months after the sale settlement.

patricb

click 发表于 2013-6-13 16:30

求详解。
是不是之前固定的数额和利率都是和之前一样的？
Yes loan amount and interest rate is the same. The loan amount must less than 80% of the incoming proeprty's value.

patricb

Penalty on breaking fixed rate loan is not a certain amount or percentage. It depends on the rate when you fixed & when you repaid, it depends on the loan amount and term etc. For example:
Mr X fixed his $300,000 home loan at 8% for 3 years in 2012.
He wants to pay off the loan in 2013(Fixed rate now drops to 7%). He called the bank asking for break costs.
Bank will calculate as such:
The funding rate(Note:This is an internal rate held in the bank, it's not diclosed to customers or even staffs) in 2012 was 7%.
The funding rate in 2013 now is $5%.
So you need to compensate the 2% difference for the rest  two years, and in that case it's $300k*2%*2=$12,000.
Obviously it varis in diffefrent cases, but the concept is same.

garysu

刚刚挨了狠狠一刀的飘过，这辈子还没损失过这么多钱。

stypost

patricb 发表于 2013-6-13 16:42

Penalty on breaking fixed rate loan is not a certain amount or percentage. It depends on the rate wh ...
浮动利率是不是就不会有break fee了?还是多少年后?

罗把樵

之前都没想过这个问题，看了那个要交17000的新闻后，才知道还有这么一回事。
俺有着与楼上同样的问题，需要高人来帮忙了。

stypost

garysu 发表于 2013-6-13 16:45

刚刚挨了狠狠一刀的飘过，这辈子还没损失过这么多钱。
安慰下,斑竹之前也fix了?