十月二十日 星期五 二零二三 晴228Please respect copyright.ＰＥＮＡＮＡ4K7WJhTWoa
228Please respect copyright.ＰＥＮＡＮＡ76eGp2CrdI
幾天前收到老師的電郵，說房貸的利息封頂位預計在十一月會再升，建議我們先向銀行申請房貸以維持一個低點的利息封頂位。228Please respect copyright.ＰＥＮＡＮＡY5VTOGvMUA
228Please respect copyright.ＰＥＮＡＮＡR9ycr8w6OH
我交了表，他替我向幾間銀行申請。由於我的房子在2025年2月才收房，本來現在是不能申請的，一般銀行於收房前半年才批房貸。所以只有中銀給我房貸方案，維持在現時的利息封頂位。228Please respect copyright.ＰＥＮＡＮＡgx1vg5kqz9
228Please respect copyright.ＰＥＮＡＮＡbx3lvbTe2L
我問老師可否借少點，利息少付點。228Please respect copyright.ＰＥＮＡＮＡ1V53UAPQgN
228Please respect copyright.ＰＥＮＡＮＡpMOrKrfnjo
老師建議我借盡，因為借少點，銀行的回贈也會少點，他建議我把餘款放進高息存款去賺利息繳房貸。228Please respect copyright.ＰＥＮＡＮＡTnWXruIamL
228Please respect copyright.ＰＥＮＡＮＡ7AiuSvi145
但上司說高息存款的利率會隨利率波幅而降......228Please respect copyright.ＰＥＮＡＮＡaRHrvbphp7
228Please respect copyright.ＰＥＮＡＮＡkf8KVLBSpU
我：中銀給我房貸方案，在考慮接不接受228Please respect copyright.ＰＥＮＡＮＡFo2V2DFBmc
男友：看有沒有其他方案，沒有也只能接受228Please respect copyright.ＰＥＮＡＮＡNxRvUS5SVM
我：按現在的利息算，我要付80萬利息......2024年10月才申請也可以，我該等到2024年10月嗎？228Please respect copyright.ＰＥＮＡＮＡwPTaOynwom
228Please respect copyright.ＰＥＮＡＮＡjdGOX64gPN
銀行比高利貸可怕，利息是房價的一半......原以為買資助房負擔沒那麼大，沒想到利息這麼恐怖，而且利息還可以繼續加......利息封頂位越高，可加的利率越高......還是早點簽房貸文件比較好？ 228Please respect copyright.ＰＥＮＡＮＡ6I3qmn0c4r
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我想、我寫
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我想、我寫
Author:
紅葉
紅葉
Published:
May 9, 2024
ISSUE #557
2023年10月20日 - 恐怖的利息
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