对冲账户(offset account) VS提现(Redraw),这个账户和功能您一定要搞清楚
我们在为客人选择贷款产品的时候,往往会附带勾选offset account和redraw功能,以便日后能让客人最大限度的自由运用自己的账户和还款金额。
那么究竟什么是对冲账户和提现功能呢,它们在实际情况下又是怎么样运用的呢?小编今天就带您一起了解这两者的功能和区别。
对冲账户及其功能
对冲帐户其实本质上来说,就是一个日常的交易账户,与大家在银行开户的transaction account差不多。只是这个帐户与 home loan 的 loan account 贷款帐户相连。它的功能就是对冲你贷款帐户中的本金,从而降低你所需要支付本金所产生的利息。
一旦关联好了贷款账户,对冲账户金额存入即可开始抵消关联贷款账户的利息,只要对冲账户里有钱,就可以时刻帮助借款人抵消贷款额度所产生的利息。
举个例子:
假设借贷人目前贷款额60万澳元,年利率是1.89%。如果是本息同还,根据银行的计算器还款期限30年、利率1.89%的条件下计算,还款金额是 2,185澳币/月。
如果借贷人在对冲账户存入20万存款,每个月还款依然是2,185澳币/月,那么20万对冲的钱用在何处?其实,这部分钱是在对冲着利息。
本息同还的条件下,还款金额由“利息”与“本金”两部分组成。
在没有20万对冲的情况下:
$2,185=$945 (利息)+ $1,240 (本金);
有20万对冲,利息本金比率开始发生了变化:
$2,185= $630(利息) + $1,555 (本金)
也就是说,在本息同还方式下,虽然每月还款总额不变,对冲账户有存款时,利息部分比重逐步减少,本金比重逐步增大,贷款人开始加速还本,还款期限缩短。
那么在只还息的情况下,年利率2.39%,还款金额就会出现下降的情况:
在没有20万对冲的情况下:
$1,195 (利息);
有20万对冲,利息比率开始发生了变化:
$797(利息)
也就是说,在只还利息的情况下,因为对冲账户的存在,贷款人的每月还款有了显著的减少。
对冲账户的好处
1. 节省利息,缩短还款期限
借贷人可以把工资等收入直接打到这个对冲账户,这样打进去的当天就开始抵消贷款利息,从而最大化的抵消利息。
2. 资金支配更加自由
offset account 能随时自由的存取,要用的时候就拿出来(拿出来的部分会从拿出来的当天开始算利息,利息就是贷款利息)有多余或者赚了就可以放进去抵消利息,可以使你的资金分配更加自由。
当然,有利就有弊,对冲账户往往需要申请者缴纳相应的年费才能使用。值得注意的是,对冲账户大部分只适用于浮动利息部分的资金,只有少部分银行例如ANZ在特定情况下接受对冲固定利息的那一部分资金。
Redraw功能
提现(Redraw)功能,又或者叫取出多还功能,和对冲账户非常相似,但不需要单独开账户,功能均在贷款账户中完成,简单的说就是“钱进钱出”同一个账户。
客户将多余的钱直接转入贷款账户中对冲利息,如果需要用钱时,可以申请将多还部分的钱转出。
带有Redraw功能的贷款一般都是基本型贷款,就是现在许多银行推荐的不带年费型产品。
同样的,在Redraw的功能下,无论多还多少钱,在本息同还的还款方式下每个月的还款金额还是一样的,只是利息本金比例不同了,详情参考上面的例子。
唯品小贴士
在贷款的申请中,有各种各样的附加条件和贷款方式供大家选择。如何使用贷款以及后期投资规划,定期检查自己的贷款产品是否符合自身情况十分重要,对于每一个申请者来说都非常重要。
欢迎大家咨询唯品信贷专业的贷款顾问,我们会为您及时申请和调整您的贷款产品。
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