5.99% fix 2年+$4000cash,大家觉得这个贷款怎样？

songinator

ask your self what is (5.99%-5.75%) x 420000 x 2 - 4000?

if the result >0 go for 5.75%
if the result <0 go for cash back

Rate-snake

哪家银行？

rifle213

songinator 发表于 2014-8-6 13:28
ask your self what is (5.99%-5.75%) x 420000 x 2 - 4000?

if the result >0 go for 5.75%

或者问问broker和银行谈能拿到什么deal？可能会有惊喜哟

songinator

rifle213 发表于 2014-8-6 14:31
或者问问broker和银行谈能拿到什么deal？可能会有惊喜哟

问问金松鼠可能会有惊喜

yk2012

songinator 发表于 2014-8-6 13:28
ask your self what is (5.99%-5.75%) x 420000 x 2 - 4000?

if the result >0 go for 5.75%

should be (5.99%-5.75%) x 420000 x 2 - 4000- 4000 x 0.0475²

rifle213

songinator 发表于 2014-8-6 14:52
问问金松鼠可能会有惊喜

分析的到位啊！

love_3_month

yk2012 发表于 2014-8-6 14:57
should be (5.99%-5.75%) x 420000 x 2 - 4000- 4000 x 0.0475²

what is - 4000 x 0.0475&sup2; ?

楼主

yk2012 发表于 2014-8-6 14:57
should be (5.99%-5.75%) x 420000 x 2 - 4000- 4000 x 0.0475²

如果要这么算的话还要加上每月贷款利息差的累计和compound interest，4000存款的compound interest和利息税……

love_3_month

楼主 发表于 2014-8-6 15:17
如果要这么算的话还要加上每月贷款利息差的累计和compound interest，4000存款的compound interest和利息 ...

true, but that is not much la........

songinator

yk2012 发表于 2014-8-6 14:57
should be (5.99%-5.75%) x 420000 x 2 - 4000- 4000 x 0.04752

i know about that part but its not that simple unless you are paying interest only

and you got it wrong

should be (5.99%-5.75%) x 420000 x 2 - 4000- 4000 x 0.0475 x 1.0475    as a little bit finer/less rough calc.

songinator

楼主 发表于 2014-8-6 15:17
如果要这么算的话还要加上每月贷款利息差的累计和compound interest，4000存款的compound interest和利息 ...

exactly thats why i didnt go that much into detail just a rough calc for LZ

walker123

math class :)

songinator

walker123 发表于 2014-8-6 15:53
math class :)

: )            sorry i am an engineer

无色咖啡

很不错呀。这个policy

kingscat

。。。我上星期才锁定利率因为8月31底到期，不知道能改不

not419

songinator 发表于 2014-8-6 15:40
i know about that part but its not that simple unless you are paying interest only

and you got  ...

累死唐僧不偿命？

就这点钱，纠结啥呀。难怪说华人的钱不好赚，算计赛过犹太人呀

songinator

not419 发表于 2014-8-6 16:43
累死唐僧不偿命？

就这点钱，纠结啥呀。难怪说华人的钱不好赚，算计赛过犹太人呀

恩就是啊                                找金松鼠就好了嘛

not419

songinator 发表于 2014-8-6 17:05
恩就是啊                                找金松鼠就好了嘛

金松鼠给化缘不少呀，是不是赞助了个袈裟？

songinator

not419 发表于 2014-8-6 17:31
金松鼠给化缘不少呀，是不是赞助了个袈裟？

赞助了个内裤

John.G

楼主 发表于 2014-8-6 15:17
如果要这么算的话还要加上每月贷款利息差的累计和compound interest，4000存款的compound interest和利息 ...

+1.......这种简单计算法太糙了 还是用银行的来计算下就知道了 贷50万的话相差1个点每年多还3500左右

rifle213

songinator 发表于 2014-8-6 17:05
恩就是啊                                找金松鼠就好了嘛

哈哈，太给面子了！金松鼠欢迎朋友们致电咨询

not419

songinator 发表于 2014-8-6 19:45
赞助了个内裤

金内裤？golden underpants ?

songinator

not419 发表于 2014-8-7 08:56
金内裤？golden underpants ?

贫僧从不贪污受贿

17carlos

songinator 发表于 2014-8-6 15:40
i know about that part but its not that simple unless you are paying interest only

and you got  ...

need also plus the factor: 1 year give more flexibility and give you another change of bargin power after 1 year maturity.

songinator

17carlos 发表于 2014-8-7 09:40
need also plus the factor: 1 year give more flexibility and give you another change of bargin powe ...

holy shit u dont get that nowadays

the bank asks you to sign a document of not leaving them for 2 years

17carlos

songinator 发表于 2014-8-7 09:48
holy shit u dont get that nowadays

the bank asks you to sign a document of not leaving them for ...

only Westpac on 2 year fix has that terms. I check SBS they don't have that term for 1 year.

songinator

17carlos 发表于 2014-8-7 09:54
only Westpac on 2 year fix has that terms. I check SBS they don't have that term for 1 year.

anz got 2 year fix
whoever doesnt even give you cash back would not ask you to sign for 2 years..............

Chiquitita

那要看你借多少了。。一个乘法题嘛