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标题: 房贷有人用REVOLING ACCOUNT吗？ [打印本页]

作者: lololol 时间: 2010-5-14 19:19:06 标题: 房贷有人用REVOLING ACCOUNT吗？

听朋友说有种叫REVOLING ACCOUNT. 具体不是很清楚，好像是说你如果有钱在你SAVING ACCOUNT，可以抵消同等金额的贷款利息？

感觉这样很适合有CASHFLOW的私人公司个人，用来贷款可以节省很大利息

有用的朋友分享下

作者: dean1006 时间: 2010-5-14 21:10:12

应该是bnz的把，我去办贷款时，也说过这个账户

作者: Ryan_wt 时间: 2010-5-14 22:58:29

1# lololol

每个银行都有这样的帐户, 一般都是有费用的, 比如ASB的orbit account, 月费是$12.
lz可以把自己的房屋贷款re-structure一下, 将一部分做成这种revolving credit account, 将所有的收入都存入这个账户, 这样就可以抵消同等金额的利息了, 当你的帐户里有了足够的钱还可以将一个lump sum还到你的fixed home loan account里面.

作者: lololol 时间: 2010-5-14 23:11:47

1# lololol

每个银行都有这样的帐户, 一般都是有费用的, 比如ASB的orbit account, 月费是$12.
lz可以把自己的房屋贷款re-structure一下, 将一部分做成这种revolving credit account, 将所有的收入都存入这个账 ...
Ryan_wt 发表于 2010-5-14 21:58

谢谢我觉得这样好处很多

因为我公司账户现金流很大，公司挂靠个人，是否意味我可以用我这个公司账户到这个ORBIT ACCOUNT？这样听起来很划算

作者: SHADOW821108 时间: 2010-5-20 00:10:51

我自己就用revolving啦，好处多得是，现金的流动性很大，就等于银行借几十万给你用，多用多给利息，多还少点给利息，所以我一般都不保持现金，有10块钱都放到账户里面去。。。。

作者: sammy1112 时间: 2010-5-20 10:01:24

本帖最后由 sammy1112 于 2010-5-20 09:02 编辑

是啊，ASB的OBIT，OVERDRAFT的话就只给5.75%的利息，每月12刀FEE，总比银行里一般OVERDRAFT的19.95%的利率要好吧，挺合算的！

作者: 茸茸 时间: 2010-5-20 10:38:37

很多银行都有，只是叫法不同，
很好用，可以把房贷的一部分设成这种account
不需要花钱的的时候就不用付利息，
需要用钱的时候就按房贷的浮动利息来算，
这样的话，以后把房贷还清了，你还是随时可以把那笔相当于房贷的钱拿出来派别的用处。

作者: X_GIRL 时间: 2010-5-20 12:12:06

还是没大看明白，请高人再解释解释

作者: 茸茸 时间: 2010-5-20 12:17:46

Revolving credit loan (sometimes called line of credit)

Revolving credit loans work like a large overdraft. Your pay goes straight into the account. Bills are paid out of the account only when they are due. By keeping the loan as low as you can at any time, you pay less interest because lenders calculate interest daily.

You can make lump sum repayments and re-draw money up to your limit. Some revolving credit mortgages gradually reduce the credit limit to help you pay off the mortgage.

Application fees on revolving credit home loans can be up to $500. There can be a fee for the day-to-day banking transactions you do through the account.

For:

* If you're well organised, you can pay off the mortgage faster.
* This suits people with uneven income since there are no fixed repayments.
* Putting surplus funds into this account rather than a separate savings account will give bigger interest savings and also avoids the tax on the savings account interest.

Against:

* You need discipline. It can be tempting to spend up to your credit limit and stay in debt longer.

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