Redraw & Offset

cdcdcd

有没有人知道redraw & Offset account的区别啊?

patricb

Redraw is after you have made additional repayment into your home loan(therefore to reduce the loan balance & interest), you can later withdraw the money from your loan account.
Offset means the money sitting in your bank account can reduce your loan banlance & interest automatically, you don't need to transfer money into your loan account.
They are a bit similar, but obviously offset is better.

albert_sun

我个人的理解:
就减少利息而言,redraw和offset是一样的,只不过redraw需要你把钱从一个transaction account转到loan account,而有的offset account也是transaction account, 所以不需要自己在转来转去的.
有一点不一样,就是如果你以后想把你的自主方改成投资方,在退税方面offset account和算一点.
提供offset account的利率会搞一点,最近比较热门的HSBC的4.99% variable 是可以redraw的,不是offset的.

cdcdcd

albert_sun 发表于 2013-6-20 16:25

我个人的理解:
就减少利息而言,redraw和offset是一样的,只不过redraw需要你把钱从一个transaction account ...
那redraw 和 offset 的区别, 就是一个要自己去管理帐户, 一个是自动, 对于那些不怎么去动帐户里的钱的人, 这两个帐户没有什么大区别, 一样可以对冲home loan的利息和本金, 可以这么理解吗?