渣打Mortgage One(FYI)

Tako and Sukie

恆生果隻唔同因為佢倣唔到渣打果system佢果隻好似只隻俾息所以年期唔會減少.
差好遠

FD

[quote:a05919a6b0="Tako & Sukie"]恆生果隻唔同因為佢倣唔到渣打果system佢果隻好似只隻俾息所以年期唔會減少.
差好遠[/quote]

無錯，恆生只可依照你按揭利率去計返存款利息給你..一樣係每個月派息一次，上限亦最多只是貸款額的一半，過了就只可以用普通存款利率計算...
不過，渣打就會息除本減去計，而每年亦會收取年費。所以大家可以先計一計有多少存款才可以等同一般銀行的利率 再計劃一下你的還款計劃，盤算下有無jet so至選用，因各人需要不同。 :wink:

Tako and Sukie

渣打收年費500蚊20年共10000蚊.

Solskjaer

渣打個Plan真係可以縮短年期因存款係當你己還了部份款項相對利息會減少在供款額不變情況下就會縮短年期.不過利息支出減少報稅時供樓利息扣減又會同樣減少.=交多啲稅. :em08:總之我哋計數無可能會叻過銀行.呢嗰lan係買佢個靈活.

咩咩豬

恒生o個隻好似叫"置息按"假設你借五十萬要存一半即係二十五萬先可以有prime rate咩咩豬既契爺契媽做恒生都話個plan唔著數存到二十五萬不如借少二十五萬啦~~
經過佢地兩個既專業分析最後我地揀左中銀~~~ :em12:

Tako and Sukie

我故妳唔係將全副身家俾首期呀正常都會留低做後備呀萬一冇野做咁全家未要食西北風.

其實將後備d錢放係銀行對消d利息.我問下大家有10萬放係儲蓄d息高定係樓按息高呀.當然係樓按息高啦.

消委會個報告我覺得都有少少問題將唔同情況作比較.有誤導.

如果用渣打果隻5000還款+5000存款每月同每月還款10000比當然係每月10000蚊慳多息
不如話一次過俾100萬重抵d息重少.

冇可能將每月剩餘d錢全部供樓一定會留低d錢用.

大家細心想下啦.

cliff

Hi all I wanna to share my experience on the Mortgage service of my RC flat.

Please correct me if I am wrong. I also have shopped around the 渣打's "Mortgage One" package the advantage of "Mortgage One" is the cash fixability. However this fixable service is NOT free. In the Banker point of view we need pay to buy/purchase this serice such as the year fee.

Beside after the half period of our whole mortgage period in "Mortgage One" package. The interest rate will be the planned interest rate plus 1% ....

One of my friends asked me if I am sure that will have spare cash for tempory store (such as 1-2k per month) then better find the traditional Mortgage with shorter payment period ...... "Simple is the best simple calculation contains less additional charge"

To me I have joined the BoC traditional Mortgage with P-2.625 in 20years period.

Agnes Henry

總之銀行就冇死錯人啦.... 呢d新招係佢地用已有的專業知識而設計出黎.......

我絕對同意.... "simple is the best"... 所以...我都係用 全期p-2.625的mortgage....

bunnud

雖然係每個月要俾多少少咪當係買個保險囉.將來邊個可以估計到預多個錢傍身都冇壞丫.(我並不是用MortgageOne的)

H and H

你地就好啦 我都唔知點解會揀左間係only P-2.5% 咋 比多成80蚊個月呀 :em01: 三年後先有得傾 :em01: