標題:
HIBOR + or P - % Plan , which one is better?
發問:
I got an offer for 2 plansLoan Amount $2M, 15Yrs, <70% loan market value 1. one month average HIBOR + 0.4%, Cap P(8%) -3.1%, 0.5% cash rebate of loan amt., 3 yrs penalty2. P - 3.25% , 1% cash rebate of loan amt., 3 yrs penalty only refund cash rebate if prepaymentI prefer HIBOR plan am I right ?Or... 顯示更多 I got an offer for 2 plans Loan Amount $2M, 15Yrs, <70% loan market value 1. one month average HIBOR + 0.4%, Cap P(8%) -3.1%, 0.5% cash rebate of loan amt., 3 yrs penalty 2. P - 3.25% , 1% cash rebate of loan amt., 3 yrs penalty only refund cash rebate if prepayment I prefer HIBOR plan am I right ? Or any good offer you received, please tell me the details, thanks
最佳解答:
其他解答:
HIBOR 是銀行同業拆息, 亦即係銀行的資金成本, 所以 in the long run, 一定係平過prime rate, 何況現時你可以攞到只係加0.4%咁少的margin, 再加上有一個上限 p - 3.1%, 己經可以消除咗萬一喺你定息的日子拆息市場突然颷升的風險, 所以你所講的第一個方案肯定係最有利的, 不過, 一般人因為並不是常常接觸資本市場, 所以對銀行同業拆息比較陌生, 因而有啲顧慮, 其實係唔使怕的. 至於cash rebate, 係要睇吓你的資金情況, 即係你俾咗首期及開頭的使費之後, 係唔係會手緊, 如果係, 就需要多啲cash rebate, 不過一般之後利率就唔會咁優惠嘞, 如果你唔係特別手緊, 唔需要咁多cash rebate, 咁貸款全期的利率就會優惠啲嘞.主要睇個人的情況. 至於罰息期, 都係要睇個人的情況, 如果你係買樓自住的, 一般都唔會好快就賣樓還清晒啲錢, 咁罰息期對你就唔係好緊要, 不過當然如果傾到較短的罰息期, 對你係會靈活啲嘅, 但係一般罰息期短或冇的話, 同樣地, 利率亦都會係冇咁好的, 請你注意呢一點.
HIBOR + or P - % Plan , which one is better?
發問:
I got an offer for 2 plansLoan Amount $2M, 15Yrs, <70% loan market value 1. one month average HIBOR + 0.4%, Cap P(8%) -3.1%, 0.5% cash rebate of loan amt., 3 yrs penalty2. P - 3.25% , 1% cash rebate of loan amt., 3 yrs penalty only refund cash rebate if prepaymentI prefer HIBOR plan am I right ?Or... 顯示更多 I got an offer for 2 plans Loan Amount $2M, 15Yrs, <70% loan market value 1. one month average HIBOR + 0.4%, Cap P(8%) -3.1%, 0.5% cash rebate of loan amt., 3 yrs penalty 2. P - 3.25% , 1% cash rebate of loan amt., 3 yrs penalty only refund cash rebate if prepayment I prefer HIBOR plan am I right ? Or any good offer you received, please tell me the details, thanks
最佳解答:
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其實冇話那方式較好 , 因拆息可升可降日日不同, 你樓按做15年, 今日hibor + 0.4% > P-3.1%, 不等於2,3年後都是, 但如果我是你我都會選plan 1 (銀行提供hibor + 0.4% 或 P-3.10% 以低者計), 你冇說明, 但我估你是, 這個plan不錯的, 原因是: 以P rate計, 你最多蝕0.15% , 因2 plan只差0.15% (4.75% & 4.9%), 但hibor 下跌的話應可賺回, 可算進可攻, 退可守.其他解答:
HIBOR 是銀行同業拆息, 亦即係銀行的資金成本, 所以 in the long run, 一定係平過prime rate, 何況現時你可以攞到只係加0.4%咁少的margin, 再加上有一個上限 p - 3.1%, 己經可以消除咗萬一喺你定息的日子拆息市場突然颷升的風險, 所以你所講的第一個方案肯定係最有利的, 不過, 一般人因為並不是常常接觸資本市場, 所以對銀行同業拆息比較陌生, 因而有啲顧慮, 其實係唔使怕的. 至於cash rebate, 係要睇吓你的資金情況, 即係你俾咗首期及開頭的使費之後, 係唔係會手緊, 如果係, 就需要多啲cash rebate, 不過一般之後利率就唔會咁優惠嘞, 如果你唔係特別手緊, 唔需要咁多cash rebate, 咁貸款全期的利率就會優惠啲嘞.主要睇個人的情況. 至於罰息期, 都係要睇個人的情況, 如果你係買樓自住的, 一般都唔會好快就賣樓還清晒啲錢, 咁罰息期對你就唔係好緊要, 不過當然如果傾到較短的罰息期, 對你係會靈活啲嘅, 但係一般罰息期短或冇的話, 同樣地, 利率亦都會係冇咁好的, 請你注意呢一點.
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