Refinancing 房屋轉貸

We're here to help you Refinance your Home Loan or Investment Loan

When considering refinancing, one of the primary goals is often to secure a lower interest rate. By accessing loan options from banks and lenders across Australia, you can potentially reduce your monthly repayments and save on interest over the life of the loan. If your fixed rate period is ending, it may be an ideal time to explore refinancing options. You can choose between a variable interest rate or a new fixed interest rate that aligns with your financial situation. Our team can assist you in checking eligibility for special lender policies that may offer additional benefits.

Another significant advantage of refinancing is the ability to release equity in your property. This means you can use the increased value of your home to invest in another property or fund other financial goals. By releasing equity to buy the next property, you can expand your investment portfolio or achieve personal milestones. Our streamlined application process makes it easier for you to explore these opportunities. We work closely with you to understand your loan amount and credit history, ensuring that all the paperwork, such as bank statements and the application process, are efficiently managed.

Refinancing also offers the option to change your loan term. Whether you're looking to extend the term to lower your repayments or shorten it to pay off your mortgage sooner, flexibility is key. Consolidating debts through refinancing can simplify your finances by combining multiple debts into a single loan with a potentially lower interest rate. This can relieve financial stress and improve cash flow, making it easier to manage monthly expenses.

At Yongxin Finance, we are committed to providing personalised advice and support throughout the refinancing process. Our access to banks and lenders nationwide ensures that you have a wide range of options at your fingertips. We work diligently to understand your unique financial situation and tailor our recommendations accordingly. Our expertise in refinance interest rates and lender policies allows us to guide you towards better loan options that suit your needs.

We invite you to contact Yongxin Finance today if you're considering refinancing your home loan. Our experienced team is here to help you explore your options and make informed decisions. Whether you're looking to access a lower interest rate, release equity, or consolidate debts, our services are designed to provide clarity and confidence in your financial future. Let us assist you in achieving your financial goals with ease and efficiency.

澳洲房屋轉貸

什麼是 Refinance（轉貸）？ 轉貸（Refinance），即“貸款重組”，是指終止客戶目前所在銀行的房屋貸款，並將按揭房產及相應貸款轉移至另一家新銀行的過程。在轉貸的過程中，通常會重新評估房產的市場價值，有可能降低貸款占房屋價值的比例（LVR），並且可以調整貸款金額或更換貸款產品，同時有機會獲得更優惠的利率。 為什麼要進行 Refinance？ 1. 房產升值，將增值部分套現 在轉貸過程中，銀行通常會重新評估房屋的價值。如果房產升值，銀行可能會為貸款金額較高的借款人提供更優惠的利率，進一步降低利息成本。同時，您還可以通過提高貸款額度，提取部分現金用於裝修、投資或其他用途。 2. 尋求優惠利率 轉貸可以幫助您獲得更低的貸款利率，從而節省大量利息成本： • 固定利率到期：如果您目前的固定利率即將到期並轉為浮動利率，可在到期前轉貸至其他銀行，尋找更優惠的固定或浮動利率。 • 其他銀行利率更低：發現其他銀行提供更優惠的利率時，可選擇轉貸以節省開支。 • 整合其他貸款：將其他高利率的貸款（如車貸、個人貸款等）打包到房貸中，以更低的房貸利率代替，從而降低整體利息支出。 3. 購買投資房 如果您有意購買投資房，但現有貸款所在銀行的審批條件較為嚴格，則可以考慮轉貸至其他條件更寬鬆的銀行，以獲得更高的貸款額度，幫助您順利投資。 省錢妙招 • 費用抵稅：轉貸過程中可能產生一些額外費用（如提前中止合同罰金、政府手續費、房屋估價費及新貸款申請費用等）。如果這筆貸款用於投資房，相關費用可以用來抵稅。在貸款的前五年內，每年可抵扣費用的20%。若五年內出售房產或再次轉貸，剩餘費用可在當年全額抵稅。 • 使用對沖賬戶（Offset Account）：通過將閒置資金存入對沖賬戶，可抵消部分貸款本金，進而減少需要支付的利息成本。 聯繫我們 如果您希望進一步瞭解如何進行貸款重組並獲得最優房貸利率，歡迎與 永信金融 聯繫，我們將竭誠為您提供專業建議與服務！