【澳洲买房】9个方法帮你10年还完房贷｜节省20万贷款利息｜早还贷款早退休｜贷款利息这么高怎样才能省钱｜本期看到即赚到!【澳房策248】

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我们很多人都想要赶快还完房贷，早点退休，无债一身轻，可以做自己想做的事情，不用每天一睁眼，都有一笔贷款压在头上。还款压力大，每个人都有体会，可是很少有人真正算过要还完房贷，除了本金之外到底需要还多少利息。从1990年算起，澳洲房贷标准浮动利率平均5%，如果你有一笔50万的贷款，30年还款期内就要还掉$466,000 几乎相当于还了一套房子给银行。而最近因为通胀加息，银行利率已经来到6.3%，同一笔贷款30年内居然要还掉$615,000的利息。

不少人找银行问，到底怎么还贷款更好，固定利率还是浮动利率，要不要设置相应账户，但是银行不可能回答这些问题，1是银行员工不可以给你财务建议，2是他们自己可能也不懂，3是你需要的建议跟银行利益直接冲突，所以我们普通人一般只能在没有完全理解各种贷款产品和安排的情况下，随便挑一个选项继续往下走。如果你想要钻银行的空子，占银行的便宜，利用房产作为基础，合理合法避税增加投资收益，早点还完房贷的话，那今天这个影片你一定一定要看完。到我发布影片为止，市面上只有零零散散的碎片信息，不系统也不够深入。所以在跟澳房策贷款团队探讨之后，总结出了9个帮你快速还完房贷的方法。我敢说这期影片绝对能帮你省很多钱，甚至提前好几年甩掉债务负担。

00:00 房贷快速还完的9个方法
03:16 9. 转贷 (Refinance)
05:24 8.使用100%对冲账户 (100% Offset Account)
06:34 7.用对冲账户收工资 (Salary to you Offset Account directly)
07:32 6.善用信用卡（Use Credit Cards Wisely）
09:00 5. 有效使用资金 (Diligent Money)
11:06 4. 多还点钱 (Pay A Little More)
12:20 3. 提高还款频率 (Pay More Frequently)
14:09 2.税务安排 (Tax Deductions)
15:20 1.使用贷款经纪人
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