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Cho Vay Lãi Xuất Thay Đổi

What is Variable Loan ?

Việc giảm nhẹ lãi suất cho vay mua nhà có thể giúp bạn tiết kiệm hàng nghìn đô la tiền lãi trong suốt thời gian vay. Ngoài ra, nếu bạn hợp nhất khoản vay mua ô tô, khoản vay cá nhân và thẻ tín dụng vào khoản vay mua nhà, bạn có thể sẽ phải trả ít hơn mỗi tháng và tiết kiệm được nhiều hơn.


Công ty Austvina chúng tôi có các ưu đãi trong thời gian giới hạn đối với tỷ giá biến đổi tiêu chuẩn hàng đầu thị trường.


Công ty tài chính Austvina chúng tôi là nhà cung cấp các khoản vay mua nhà hàng đầu cho các cá nhân tại Úc. Phân tích khoản vay mua nhà miễn phí của chúng tôi sẽ cho bạn thấy bạn có thể tiết kiệm được bao nhiêu.

Why choose a fixed rate home loan ?

  • In Australia, the majority of home loan borrowers have variable interest rates rather than fixed rates. Variable interest rates can rise or fall at any time, but they generally move in lockstep with Australia's cash rate, which is set by the Reserve Bank of Australia (RBA). For example, if the cash rate is reduced, your lender is likely to reduce the interest rates on its variable home loans, which could include the interest rate you're paying. Variable rates, on the other hand, can be both a blessing and a curse if a lender decides to raise rates.

  • If you believe interest rates will fall, variable-rate loans may be preferable to fixed-rate loans. However, if lenders anticipate a future cash rate cut, they may offer some enticingly low fixed rates to entice more people to lock in their home loan rate. If you choose a fixed-rate mortgage, you will miss out on any rate reductions that occur during the fixed-term. Keep in mind that lenders typically have a good idea of which way interest rates are trending and price their home loans accordingly.

  • Variable loans are also more flexible than fixed-rate mortgages, with many offering appealing features such as offset accounts, redraw capabilities, and the ability to make additional repayments. These features can help you save money on interest and pay off your loan faster.

  • When you are reading this, check out our page on current interest rates to see what the RBA cash rate is, as this can give you a good idea of whether rates are likely to be increased or decreased anytime soon.

Benefits of a variable rate home loan

Save with an offset account

By using an offset account, you could save thousands of dollars in interest and cut years off your home loan.

Flexible repayment options

Select your own repayment schedule: weekly, fortnightly, or monthly.

Split your loan

By splitting your loan into variable and fixed portions, you can get the best of both worlds.

Pay your mortgage off sooner

With no fees for making extra repayments on variable rate loans, you can get ahead faster.

Control from your pocket

The NAB app allows you to track your progress, make changes to your home loan, and estimate your property equity.

Statistic calculating
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