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Cho Vay Lãi Xuất Cố Định
What is a fixed rate home loan?
Các khoản cho vay mua nhà với lãi suất cố định là các khoản vay thế chấp trong đó lãi suất bạn phải trả được ấn định trong một khoảng thời gian xác định trước.
Kỳ hạn lãi suất cố định thường nằm trong khoảng thời gian từ 1 năm đến 5 năm, trong đó lãi suất của bạn sẽ không tăng hoặc giảm bất kể điều gì xảy ra với lãi suất chính thức do Ngân hàng Dự trữ quy định.
Ưu điểm của lãi suất cố định là các khoản phải trả và lãi suất của bạn sẽ không thay đổi trong khoảng thời gian bạn đồng ý ấn định khoản vay thế chấp của mình.
Nếu bạn cảm thấy thu nhập của mình sẽ không thay đổi đáng kể trong khoảng thời gian cố định hoặc nếu bạn thích lập ngân sách cá nhân có cấu trúc thì công ty tài chính Austvina chúng tôi có thể là giúp bạn.
Why choose a fixed-rate home loan?
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As the name implies, a fixed interest rate locks in the interest rate you pay for the duration of the term specified. A three-year fixed interest rate of 2.50% p.a., for example, will remain at that rate for three years regardless of economic pressures or the lender's needs before reverting to a standard variable rate.
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The most significant advantage of a fixed-rate loan is the certainty of cash flow. Your repayments remaining constant for a known period of time can make budgeting much easier because you know exactly how much your repayments will be. This makes fixed-rate home loans popular among investors and first-time buyers during the first two to three years of ownership.
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Of course, if interest rates fall, this can be a disadvantage. A fixed-rate home loan's locked nature means that any reductions in a lender's interest rates for any reason (such as recent changes in the cash rate) will not be passed on to you, causing you to pay hundreds, if not thousands, of dollars more in interest. Furthermore, the variable rate that the loan will revert to at the end of the fixed-rate period (known as the revert rate) can be significantly higher than some of the lower variable rates available, so you may want to consider refinancing to a different loan around this time.
The benefits of this home loan
Certainty of repayments
Flexible repayment options
Split your loan
Lock in a low rate and be confident that your minimum repayments will not change during the fixed term.
Select your own repayment schedule: weekly, fortnightly, or monthly.
Split your loan into variable and fixed portions to get the best of both worlds.
Pay your loan off sooner
Control from your pocket
Lock in your rate upfront
Make additional repayments of up to $20,000 without incurring any fees during the fixed rate term.
Using the NAB app, you can keep track of your home loan. You can track the progress of your home loan, estimate your property equity, and do other things.
Rate Lock protects you from any interest rate increases for 90 days by paying a Rate Lock fee while your home loan application is being processed.
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