地产快讯 | 澳联储终于降低官方现金利率了!我们将如何从中受益呢?
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Parklife Doveton 226 套精品联排别墅
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澳联储的降息决定对于需要贷款买房的大部分人来说,真是一个重大的利好消息!
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Image from www.businessinsider.com.au
现在预计一大批贷款机构将采取自己的降息措施; 有些会降低0.25个百分点,而其他人则可能降得更多一些。
实际上许多贷款机构已经抢在降息会议前削减了浮动利率。 例如:
•Mortgage House 推出的可变贷款利率仅为3.29%
•ING 将自住房贷款者的可变利率下调了0.17个百分点
•麦格里银行将可变利率降低了多达0.51个百分点
目前已有机构的固定贷款利率低至2.99%。
与此同时,为应对不断下降的融资成本,一大批贷款机构也采取了降低固定贷款利率的措施。 根据RateCity.com.au的研究,超过50家银行在过去两个月内降低了固定贷款利率,包括:
•Greater Bank 将其一年期固定利率贷款的利率削减至2.99%
•澳大利亚国民银行将部分贷款的固定利率下调了0.20个百分点
•昆士兰银行削减了多达0.31个百分点
对于已经贷款买了房的人而言,如果他们的住房贷款机构也会跟进降息,那么他们可以在贷款期限内节省数千澳币。
假设某位贷款购房者还有25年的贷款要还,他还欠40万元,而他当前的利率是4.30%(这是RateCity.com.au数据库中的自住房贷款的可变利率平均值)。 以下是降息至4.05%后对他的财务状况的改善情况:
![](https://i.aoweibang.com/img/gPlFsC1KwQPfPc-3PqX6SWg89bU3XHIppoJf3vri6Az26aw-RgLJWCV90Vq2ADbCDont2WbfQYHx0zXTTR6tQhO5WOesiOcOeqSCcM2f9xMNuD9L743OODGoFZ3x7xeYsrn18x6GMu3DkwehGnkqTmguUCFSt4Ii7SIB4jQO17Q1MBGavg7SoMsuGsgLQARy2GWvbFu6HZlUizGxg6aXeQ/awb.jpg)
*基于可变利率贷款支付本金和利息的数字。 不包括其他费用。
从上表中我们可以看到,如果他的贷款机构也降息25个百分点,则他一共能节省16,728澳元。
澳大利亚目前有超过100家抵押贷款机构,所以如果您的贷款机构还没跟着澳联储降息,您就处于有利的主导地位。在此情况下,多打听了解别的贷款机构,因为你很有可能找到一个贷款机构以更低的利率提供房屋贷款。 目前许多贷款机构也为再融资者提供现金返还奖励。
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Parklife Doveton
64-70 Box Street, Doveton
226套精品联排别墅
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Neue
1090-1098 Nepean Highway, Highett
74套精品公寓
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North Star
80 Tyler Street, Reservoir
63套精品联排别墅 + 44套精品公寓
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Victory
98 Nicholson Street, Brunswick East
102套精品公寓
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The Haven
15-19 Major Street, Highett
34套精品公寓
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