IO不能FIX?
IO只是允许你还款少
IO利率比P+I高？ 银行的每个PACKAGE 还有专门对IO有不同利率？ 作者: 熊猫阿三 时间: 16-7-2013 10:06
seems it can be fixed!
come from WestPac....
Fixed Rate Investment Property Loans - Interest Only in Advance
Interest Only in Advance Interest Rates - current as at 1 July 2013 Fixed Rate Term Interest Only in Advance Discount
(p.a.) Interest Only in Advance Interest Rate1 Interest Only in Advance Interest Rate with PAP2
(p.a.)
1 year 0.10% 5.34% 5.14%
2 years 0.10% 5.09% 4.89%
3 years 0.10% 5.09% 4.89%
4 years 0.10% 5.59% 5.39%
5 years 0.10% 5.59% 5.39%
What is Interest Only in Advance?
Interest Only in Advance is a repayment option that offers Fixed Rate Investment Property Loan customers an additional interest rate discount for paying 12 months interest in advance.
By prepaying interest you can potentially reduce your tax liability for the coming financial year and conveniently consolidate interest repayments into one lump sum payment.
This is not financial advice: we recommend that you consult your financial adviser to determine the benefits which may be applicable.
Who can have Interest Only in Advance?
Interest Only in Advance is available for most Fixed Rate Investment Property Loans and Low Doc Fixed Rate Investment Property Loans.
Customers with existing Investment Property Loans can switch to an Interest Only in Advance product upon request.
Existing Interest Only in Advance customers with fixed rate terms expiring will receive a letter of offer to review their Interest Only in Advance arrangements 4 – 6 weeks prior to fixed rate expiry.
New customers can establish an Interest Only in Advance loan through our standard application process.
Things you should know
1. Interest must be paid in advance annually for each chosen fixed rate term to receive this rate. If after the first year of a fixed rate term interest is no longer paid in advance the Interest Only in Advance discount will be removed for subsequent years.
2. Interest Only in Advance Premier Advantage Package (PAP) customers receive a further 0.20% p.a. discount.
Interest Only in Advance interest rates are available on Fixed Rate Investment Property Loans with fixed rate terms of 1, 2, 3, 4 or 5 years.
Interest Only in Advance interest rates and discounts apply to new Fixed Rate Investment Property Loan and loans which have been switched into Interest Only in Advance products. Existing fixed loans are not eligible unless the loan is re-fixed. Interest Only in Advance discounts are subject to change.
The PAP discount rate applies to loans of $150,000 and above, effective 21 July 2008, and includes ‘Low Doc’ loans. Existing fixed loans are not eligible, unless the loan is re-fixed. Some exclusions apply. Discounted margin rate is subject to change.
Subject to Bank's approval. Normal lending criteria apply.
Other conditions, fees and charges apply. 作者: planetkeeper 时间: 16-7-2013 10:17
熊猫这个是investment啊，但我们一直是说自住啊。。。作者: 熊猫阿三 时间: 16-7-2013 11:00
）没多大意义。
银行的每个PACKAGE 还有专门对IO有不同利率？ 
我有空在看看...
