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浮动利率

Standard and Basic variable loans are the most popular home loan in Australia. Interest rates go up or down over the life off the loan depending on the official rate set by the Reserve Bank of Australia and funding costs. Your regular repayments pay off both the interest and some of the principal.

Here we give you an overview of the different types of variable rates, features and benefits in the current market:


还款方式

主 & 兴趣

还款计算,贷款总期限以及您选择固定利率.


每周或每两周还款

取而代之的是每月定期还款, 你还清房屋贷款每周或每两周.
这可以适合谁领的是每周或每两周人, 因为你最终在一年内赚更多的款项,将节省您的钱, 切割贷款期限.


Repayment holiday

You can take a complete break from repayments, or make reduced repayments, for an agreed period of time.
This can be useful for travel, maternity leave or a career change.

仅利息偿还

您只需支付贷款利息, 不是校长, 通常是第一个五年虽然有些贷款人提供更长期限.
许多贷款给借款人的进一步兴趣,只期期权. 因为你不还清本金, 您的每月还款额较低.
这些贷款是与投资者谁还清本金物业出售时特别受欢迎, 已实现资本增长.


额外偿还

如果你支付超过所需的定期还款, 多余的量从主体中扣除.
这不仅降低了你欠量,但降低了你感兴趣偿还的金额.
定期作出额外还款, 即使是很小的, 是更快还清房屋贷款,节省利息费用的最佳方式.


其他特点

重绘设施

这使您可以访问您所做的任何额外还款. 知道你有机会获得的资金可以提供安心.
要知道贷款人可以收取一定的手续费重绘,并有最低金额重绘.


直接付款

你的贷款人自动从选定的银行账户还款画.
除了确保有足够的现金在帐, 你不必担心使还款.


都在同一个家庭贷款

这结合了住房贷款连同支票, 储蓄和信用卡账户.
您可以直接支付你的工资进去.
通过每月保持现金的帐户,只要有可能,你可以减少本金和利息费用.
用纪律, 所有功能于一身的功能,同时提供灵活性和储蓄存款利息.
计入这些贷款的利率可以高.

抵销帐户

这是链接到您的房屋贷款储蓄帐户.
任何存入储蓄账户的钱是从你家的贷款余额中扣除利息计算之前. 钱越存, 降低您的普通家庭偿还贷款.
您可以访问您的储蓄在通常的方式, 通过EFTPOS和自动取款机.
这是一个伟大的方式,以减少您的贷款利息, 以及消除您的储蓄税单.
贷款人提供部分以及 100% 偏移账户.
请注意该帐户可能具有较高的月租费或要求最低余额.


Portable Loans

如果你卖你目前的财产和购买别的地方你可以带着你的房屋贷款.
这样可以节省时间和设置费, 但你可能会产生其他费用.


职业套装

住房贷款超过一定值提供的折扣率, 结合对其他银行服务收费折扣.
这些可以是价格诱人, 但如果你不使用的银行服务,您可能会更好用基本的浮动贷款.


你需要知道什么

Benefits of a Variable Rate

  • If interest rates fall, the size of your minimum repayments will too.
  • Standard variable loans allow you to make extra repayments. Even small extra payments can cut the length and cost of your mortgage.
  • Basic variable loans often don’t come with a redraw facility, removing the temptation to spend money you’ve already paid off your loan.

你应该知道的

  • If interest rates rise, the size of your repayments will too.
  • Increased loan repayments due to rate rises could impact your household budget, so make sure you take potential interest rate hikes into account when working out how much money to borrow.
  • You need to be disciplined around the redraw facility on a standard variable loan. If you dip into it too often, it will take much longer and cost more to pay off your loan.
  • If you have a basic variable loan, you won’t be able to pay it off quicker or get access to money you have already repaid if you ever need it.