## 金融贷款利息计算

Q:如果贷23万，30年还清，第一年的每个月只还利息，利息在5.99％这样，那么每个月还多少

A:

若20%首期，

230000*80%=184000

YR BEG BLN TOT PYT INT5.99% PRINCIPLE BALANCE

1 184000 13352.69 11021.64 2331.05 181668.95

2 181668.95 13352.69 10881.97 2470.72 179198.23

3 179198.23 13352.69 10733.97 2618.72 176579.54

若5%首期：

230000*95%=218500

YR BEG BLN TOT PYT INT5.99% PRINCIPLE BALANCE

1 218500 15856.31 13088.16 2768.15 215731.85

2 215731.85 15856.31 12922.34 2933.97 212797.88

3 212797.88 15856.31 12746.59 3109.72 209688.16

计算MORTGAGE INSURANCE:

贷款A$230,000

A$230,000*80%+1=A$184,001, Mortgage insurance=A$791

A$230,000*95%=A$218,500, Mortgage insurance=A$3780

http://www.yourmortgage.com.au/calculators/mortgage_insurance/

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附：现今利息参考

Fixed Options Home Loan

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Essentials

Features

Fees

Rates

Options

Essentials

Fixed rate protects against interest rate changes

Lock in your interest rate for 1 to 5, 7 or 10 years

Discount of up to 0.2% p.a. applies to this fixed rate home loan when you take out the home loan package 1

Fixed rate lock in feature lets you secure your interest rate between application and draw down

Extra repayments allowed up to $25,000 in the fixed rate period without charge

Refix your loan at the end of the fixed mortgage rate period or convert to a variable rate loan

Interest only loans available for up to 10 years

Low doc version available

Offers certainty over your repayments.

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Apply for Fixed Options Home Loan now

Did you know?

Did you know you can get up to a 0.2% p.a. interest rate discount on fixed rate property loans.

Things you should know

1.The 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 refixed. Some exclusions apply. Interest rate and discounted margin are subject to change before settlement or before a rate is locked in. Fees and charges and normal lending criteria apply. Terms and Conditions apply and are available on request.

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Features

Features to help you manage your money

Features Feature Description Fee

Redraw 1

Gives you same day access to extra repayments up to a maximum of $25,000 in your home loan account. To activate the redraw facility on your fixed rate home loan, fill out the

Adobe Acrobat fileRedraw Authority form (PDF 58kb).

Fee free

Portability 1

Allows you to retain your account number when you move properties. You avoid the hassle and establishment fees associated with taking out a new loan. Security criteria apply.

$300 per move

Repayment holiday 1

Lets you skip full or partial repayments when you’re ahead with your payments.

Fee free

Progress draws (for construction)

Lets you progressively draw down funds to pay builders and other contractors, to minimise interest costs. Drawings must be completed within 12 months.

$300 covers all

Fixed rate lock in

Westpac offers the opportunity for customers to lock in their fixed rate from the date of applying for the fixed rate through to 2 days prior to the settlement date. The fixed rate that will apply at the date of your request is the current fixed rate. This ensures that if fixed rates increase after your request to lock in your fixed rate through the settlement process, your rate will be protected for up to 90 days from product selection.

0.15% of loan amount

Things you should know

1.Subject to Bank’s approval.

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Fees

Standard fees and home loan package fees

You can discover a wide range of benefits to suit your financial needs with the Premier Advantage Package, however an annual package fee of $395 applies. 1

Fee Standard loan Under Premier Advantage Package Low doc loan under Premier Advantage Package

Loan establishment fee $600 (one up-front fee) NIL $355

Loan maintenance fee $8 per month NIL NIL

Things you should know

1. Other fees and charges apply.

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Rates

Annual interest rate Loan Annual rate Comparison rate 2

Fixed Options (fixed for 1 year) 7.19% p.a. 7.92% p.a. (i)

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Fixed Options Home Loan – fixed interest for 1 year Amount of loan Term Annual interest rate Comparison rate

$15,000 4 years See Note 1 11.43% p.a.

$20,000 4 years See Note 1 10.46% p.a.

$25,000 5 years See Note 1 9.58% p.a.

$30,000 5 years See Note 1 9.25% p.a.

$50,000 7 years See Note 1 8.46% p.a.

$70,000 25 years See Note 1 8.06% p.a.

$100,000 25 years See Note 1 7.98% p.a.

$130,000 25 years See Note 1 7.94% p.a.

$150,000 25 years See Note 1 7.92% p.a.

$200,000 25 years See Note 1 7.88% p.a.

$225,000 25 years See Note 1 7.87% p.a.

$250,000 25 years See Note 1 7.86% p.a.

$275,000 30 years See Note 1 7.86% p.a.

$300,000 30 years See Note 1 7.85% p.a.

Annual interest rate Loan Annual rate Comparison rate 2

Fixed Options (fixed for 5 years) 7.94% p.a. 8.03% p.a. (i)

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Fixed Options Home Loan – fixed interest for 5 years Amount of loan Term Annual interest rate Comparison rate

$15,000 4 years 7.94% p.a. 11.81% p.a.

$20,000 4 years 7.94% p.a. 10.84% p.a.

$25,000 5 years 7.94% p.a. 9.92% p.a.

$30,000 5 years 7.94% p.a. 9.59% p.a.

$50,000 7 years See Note 5 8.72% p.a.

$70,000 25 years See Note 5 8.18% p.a.

$100,000 25 years See Note 5 8.09% p.a.

$130,000 25 years See Note 5 8.05% p.a.

$150,000 25 years See Note 5 8.03% p.a.

$200,000 25 years See Note 5 7.99% p.a.

$225,000 25 years See Note 5 7.98% p.a.

$250,000 25 years See Note 5 7.98% p.a.

$275,000 30 years See Note 5 7.96% p.a.

$300,000 30 years See Note 5 7.95% p.a.