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标题: 关于贷款买房首付的问题 [打印本页]

作者: happy123456 时间: 2013-1-7 14:04:15 标题: 关于贷款买房首付的问题

请问大家，现在贷款买房首付要多少？
顺便问问，贷款后能在winz申请房屋补贴吗？
如果贷款20万，20年还清，那每周要还多少钱？
谢谢大家！

考虑买房，但是完全没有头绪，想看看大家怎么说。

作者: 彩虹国际 时间: 2013-1-7 14:10:45

应该是连本带息的还把

作者: David.DS 时间: 2013-1-7 14:17:51

http://www.anz.co.nz/calc/default.asp
你可以自己算出来大概的贷款额度及每周的还款。

作者: hugh911 时间: 2013-1-7 14:40:01

去银行直接问好了啊，反正都跑不了这一步的。。

作者: sarah4320 时间: 2013-1-7 16:24:00

应该最好是20%的首付，如果收入不是很高的话。可以和winz申请房补的，同样要看收入和房貸的多少。我们最近也要去银行谈这个事，你们房子看好了吗？有空联系下。还有我女儿满月了，带你儿子来玩啊。

作者: cute_kitten 时间: 2013-1-7 16:48:16

第一套房的话首付以前是要20%，不然利率折扣不太好，而且要买额外的保险，现在的话要具体去问银行。

房屋补贴应该能申请吧，要看你们夫妻的收入。

银行的morgage calculator都能帮你算出你的还款额。

你可以找个broker或者直接去银行问，答案最准确啦。

作者: happy123456 时间: 2013-1-7 17:59:34

sarah4320 发表于 2013-1-7 16:24
应该最好是20%的首付，如果收入不是很高的话。可以和winz申请房补的，同样要看收入和房貸的多少。我们最近也 ...

只是初步想法，什么都没看呢。老公在工作，我又怀孕了，还得看孩子，没有时间看房子的事情。你家固话是多少，秘我呗。

作者: happy123456 时间: 2013-1-7 18:00:42

cute_kitten 发表于 2013-1-7 16:48
第一套房的话首付以前是要20%，不然利率折扣不太好，而且要买额外的保险，现在的话要具体去问银行。

房屋 ...

谢谢你的回复。

作者: NZyimin_new 时间: 2013-1-9 20:21:25

hugh911 发表于 2013-1-7 13:40
去银行直接问好了啊，反正都跑不了这一步的。。

最好是贷款之前自己有预算首付多少，贷款多少，贷款多少年，每周供多少。第一年，第二年，第三年，五年之后，等每个星期供多少，每年可以多还多少。这样更有计划，可以早点还完贷款。

作者: NZyimin_new 时间: 2013-1-9 20:23:47

问个超级简单的问题，这边的还款方式都是等额本息吗？还是可以选择等额本金？另外一年fix之后，是否可以缩短还款年限，以后每两三年都可以缩短年限吗？费用怎么算？

作者: NZyimin_new 时间: 2013-1-9 20:24:11

不算违约吧？

作者: NZyimin_new 时间: 2013-1-9 20:26:31

If you have a home loan on a fixed interest rate and decide to go on to a lower rate, repay the loan off early or make a lump sum payment, you may have to break your current fixed interest rate agreement. Before you decide to do this, it’s important to think about the financial implications including something that’s called an Early Repayment Adjustment or ERA.

This is an area that can get complicated, so the following information will explain what an ERA is, as well as take you through the pros and cons of breaking a fixed rate agreement and whether it’s the right option for you.

如果是定期一年或者两年结束了呢？这时候是否可以一次性还一部分剩余本金？

作者: NZyimin_new 时间: 2013-1-9 20:31:23

ERA = ((a-b)/100) multiplied by c multiplied by (d/365)

a = the fixed interest rate agreed for the term of the loan
b = our current fixed interest rate for a term equivalent to the remaining fixed term
c = the total amount that is being repaid on the loan or the current balance on the loan
d = the number of days remaining on the fixed rate agreement

example:
Graham – using a bonus to help pay his loan faster.

Graham has a loan fixed for 5 years at 8% p.a. with fortnightly repayments over a term of 25 years. After a year he got a $10,000 bonus at work and wanted to use it as a lump sum payment on his home loan which has a current balance of $150,000. Since his fixed rate agreement has 4 more years (or 1460 days) left to run and ASB’s current fixed interest rate for 4 years is 7% p.a, his ERA, using the simplified formula, would be calculated as follows:

ERA = ((8-7)/100) x 10,000 x (1460/365)

So Graham’s ERA using this simplified ERA formula would be around $400. By comparison, the actual ERA using the CCCFA calculation is $456.91 (including a $50 administration fee).

是不是fix时期结束，再一次性偿还，偿还部分也是类似这样算？还是交违约金。

作者: pearlmilk 时间: 2013-1-11 10:54:04

这个问题问得太大了吧. 还是要看你具体借款金额才能算每周还多少呢. 建议搂主去银行问,他们有系统很容易算出来的. 自己算比较烦.

作者: 元大 时间: 2013-1-15 23:49:26

NZyimin_new 发表于 2013-1-9 20:31
ERA = ((a-b)/100) multiplied by c multiplied by (d/365)

a = the fixed interest rate agreed for th ...

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