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应该会降，在澳八根上看到某贷款中介说。
Offer 1
Newcastle Permanent (Canstar’s 2019 NSW customer-owned lender of the year for first home buyers) announced today:
$2,500 cash rebate for First Home Buyers!
Newcastle fixed rates from 2.79% (CPR 4.25%) and variable from 3.09% (CPR 3.59%) (website approx 0.1% higher if not yet updated)
Offer 2
Westpac $3,000 cash rebate PER property refinance. eg. 3 properties = $9,000 bank rebate.
Rates from 3.04% owner occupied variable, 2.88% fixed 2 years. Westpac give further 0.1% discount for 70%LVR or less.
0.3% Bundle Rebate
In ADDITION to bank rebates, Bundle Home Loans gives a rebate of 0.3% of loan size (net at drawdown) for ANY bank or product, eg:
$400,000 = $1,200 Bundle cash rebate
$700,000 = $2,100 Bundle cash rebate
$1,000,000 = $3,000 Bundle cash rebate
We expect variable rates to be cut on 4 Feb, but given banks are only passing on around half of the cuts, a low fixed rate can still save you more money as you can get an immediate benefit from today as opposed to waiting for the drop to occur. Given many banks are only passing on 0.1-0.15% each cut, and the RBA cash rate is 0.75%, there can only be a maximum of 3 cuts to zero, which may take a long time or unlikely to occur.
Always worth doing a calculation for your situation, eg:
If you have an existing loan and your rate is 3.29%, fixing at 2.79% will save you 0.5% each year.
On a $500k loan, that is a saving of $2500 every year.
If you're saving 0.5% and go with a lender giving rebates eg Westpac $6,000 for 2 properties, plus our Bundle Rebate of $1,500, that's a further $7500 in rebates, plus $2,500 interest savings, you are getting a benefit of $10,000 in just one year!
https://www.ozbargain.com.au/node/512327 |
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大头山寨的 “老干妈” 豆豉辣酱 (2012-3-18) datou2z 
发表于 2020-1-13 10:46
