渣打Mortgage One(FYI)

AgnesSarah

琴日我先收到第一張渣打Mortgage One的月結單發覺張單冇show已縮減的年期數目和節省的利息
(*Mortgage One的計算方法是
Mortgage Interest = (Principal-balance in C/A) X Interest Rate)

於是sarah今日就問渣打發覺原來佢縮減年期同我地所諗是有所出入.

先講一講我的理解就是:
(例如 = $1000000
        Monthly Payment = 5000 (P+I)
        Terms = 20 Years
        Additional Cash save in Bank (Monthly) = 1000
由於Mortgage Interest = (Principal-balance in C/A) X Interest Rate)所以最終利息會減少而年期亦可縮減.)

但原來這筆利息是會即時扣除在Monthly Payment上從而增加存款.年復一年這筆累積的利息便可用來重組年期以致縮減年期.

今個月我發覺已經節省了大約400幾的利息.Compare最好的Mortgage Interest Rate(P - 2.625%)都仍然俾少200元左右.

所以這plan對有能力供樓而又可額外儲錢的人的確是不錯的選擇. :em11:  :em11:

louis

did you remember you need to pay 5000 per year admin. fee?

AgnesSarah

No la. only 500 per year

AgnesSarah

這plan比較唔好是會焗你儲筆錢銀行
題外話:我今日個look得唔得呀.我唸住入伙時都呢個做型是泳池出現.
    

wicyh

[quote:d997b1d638="AgnesSarah"]這plan比較唔好是會焗你儲筆錢銀行
題外話:我今日個look得唔得呀.我唸住入伙時都呢個做型是泳池出現.
    [/quote]

佢個rate係咪得(P-2.25%)呀 :?:
題外話: 少d布仲好 :em04:
:em17:

Agnes Henry

係羅...筆錢你呢世唔羅咪有個咁好的息口o羅.....但係...唔夠一年..入伙個刻咪又係會羅晒筆錢出黎.... HSBC呢d銀行計過條數...佢冇死錯人o既....

呢個look..............都okay..不過如果件泳衣再sexy d 就好o拿..!! ^^

AgnesSarah

佢個rate係咪得(P-2.25%)呀 :?:
題外話: 少d布仲好 :em04:
:em17:[/quote]

呀(P-2.25%).
少布你就想啦. :em12:  :em12:

[quote:6cb7eb87e3="Agnes&Henry"]係羅...筆錢你呢世唔羅咪有個咁好的息口o羅.....但係...唔夠一年..入伙個刻咪又係會羅晒筆錢出黎.... HSBC呢d銀行計過條數...佢冇死錯人o既....

呢個look..............都okay..不過如果件泳衣再sexy d 就好o拿..!! ^^[/quote]

儲筆錢要月個陣時咪月囉.有多咪早d找錢囉.
Actually就算我宜家唔再加儲額外的錢.我每個月都可以減低400元.但正常情況之下都會儲多d.又可以減多d利息.重有呀唔HSBC呀渣打呀.

and then有冇人幫襯恒生morgage link我都想知個diff.

Agnes Henry

chi...咁p-2.25 同p-2.625 係咪就係個$400蚊的difference呀....

diedsee

基本上你借得佢錢，就一定唔會死錯人 :evil:
題外話: 唔好咁咸濕la :em05:

AgnesSarah

[quote:e30ef72209="Agnes&Henry"]chi...咁p-2.25 同p-2.625 係咪就係個$400蚊的difference呀....[/quote]

非也非也根據正常的計法(p-2.25%)是比(p-2.625)供多200元到(in my case)
賺的400元是由
1)　你所儲入去個筆錢ｘhigh interest rate(唔記得，好似p-2.25%）
2)   所減少的Mortgage Interest
所加而成.(好似咁)