【ＨＯＭＥＬＯＡＮ】各大银行 房屋贷款 专业服务！

常见问题：

1）澳洲贷款经纪人(Mortgage Broker) 是在澳洲金融界是什么角色？
在澳洲，有60%以上的房贷是通过贷款代理办理的。澳洲贷款经纪人往往能够更全面地了解客户需求，在给客户推介最合适客户的银行产品。贷款经纪人通常都是会得到银行支付的服务佣金（所以Benson Tan完全不向客户收取任何费用）， 此费用在澳洲和经过澳洲金融管理局批准，并且都是有一个标准，所以对贷款经纪人来说，他们会公平公正看待不同银行的产品，为您推荐最适合的产品。此外，贷款经纪人提供的利息和产品都和银行零售产品完全一致，甚至经纪人能够争取到低于银行提供给大众的利息。

常见问题：

2）浮动利息(Variable Interest Rate)和固定利息(Fixed Interest Rate)的差别。
浮动利率贷款的好处是灵活，可以自由提前还款而通常没有罚金，所以对今后几年现金流入比较充沛、存款节余较多的客户比较合适，而且又可以100％OFFSET，减少利息支出。缺点则是利率不确定，一旦加息，就会增加还款金额。

反之，固定利率贷款就适合今后若干年内预算相对偏紧的客户，因为利率固定，不用担心因为利率上升而增加还款压力，而影响生活水平。同时也有方便家庭开支的预算。那缺点就是提前还款受限制，和一旦利率下跌后无法享受到所带来的还款减少。

银行还提供一个选择就是可以将贷款拆成一部分浮动、一部分固定，这样客户就可以享受到两边的优点，又可以锁定一部分利率变动风险。不失为一个好选择。

常见问题：

3）何谓对冲帐户（Offset Account）？
对冲帐户的本质就是一个日常的交易帐户（a daily transactional account），只是这个帐户与 Home Loan 的 Loan account 贷款帐户相连。它的功能就是对冲你贷款帐户中的本金，因而降低你所需要支付本金所产生的利息。
举例：

Loan account 有 $500,000 的贷款
Offset account 有 $100,000  
Interest rate 是 5.00%

那么你只需要支付：($500,000-$100,000)*5.00% 的利息，而不是 $500,000 * 5.00%。
Offset Account的好处就是当你需要用到帐户里的资金时，你随时都能提出，当然，能抵消利息的资金也随着降低。

所以，大多数贷款者都把每月工资放进Offset Account，当需要用到时，再把它提出。

常见问题：

4）在什么情况下必须交付房屋贷款保险（Lenders Mortgage Insurance）？
在正常的房屋贷款（Full Documentation Loan），如果贷款数目超过房子价值的80%，贷款机构会要求贷款者购买房屋贷款保险。这个保险的作用是在贷款人无力偿还贷款的情况下赔偿银行。房屋贷款保险保护的是银行，并不是贷款人。

注：一些银行能放贷90%且不要求贷款人购买贷款保险 - 福利只给从事医疗行业的贷款人。

客户评价（所有的评价均为真实且遵守Australian Customer Law)

From Jessie,

“Benson was extremely professional,friendly & knowledgeable in guiding me obtaining my investment loan & Itrust him 100%. I would happily recommend him to anyone & because of myself being a financial adviser he has also generously referred his client to myself so we can look after the client together if he identifies other needs of his clients. Thank you Benson.”

- Jessie (Algester)

From KIM,

Benson is the most helpful mortgage specialist as he responses for any requests or questions with good timely manner & always shows professional manner to customers. I definitely recommend him to all of my friends who need help for financial issue with mortgage.Thanks.

- Kim (Underwood)

FROM Raymond & Lia

Hi Benson, we've moved in our house early last week and didn't get a chance to express our gratitude. Thank you very much for your patience and time answering my questions and applying for the loan.

For anyone is planning to apply for homeloan or having no idea where you should start, I highly recommended Benson'service as his expertise will guide you through and you won't regret missing any possible low rate that you're entitled to.

Keep in touch and thanks again!!
- Raymond (Everton Hills)

FROM Michelle & Eddie,

I would like to thank Benson and the team. Benson found us the best mortgage deal on a loan and we really appreciated his excellent professional service. He always gave us a prompt update so we didn't worry too much as a first home buyer and he always returned my call no matter what. Thanks again Benson Tan your support and I highly recommend him for anyone!

- Michelle & Eddie (Kangaroo Point)

FROM Jocelyn & Stephen,

Thank you very much to Benson and the team for taking the time to help us find the right mortgage. Benson has been very patient with all our questions and always got back to us on time. He is very helpful and even took the time to answer our questions while he was on holiday. Highly recommend him. Thanks again!!

- Jocelyn & Stephen (Moorooka)

FROM Alan,

Good and efficient services. That's the only thing that keeps me going back with him again and again.

- Alan (Stretton)

FROM Jerome,

It was our first time getting a loan and he has been the most helpful person in the whole process. Always going the extra mile to get you the best possible results. Very dedicated and professional. Highly recommended, will definitely use his services again Thanks Benson.

- Jerome (Stretton)

FROM Roland,

If you are after a broker that actively responds to your questions/requests, then I recommend Benson. Very attentive and guides you through the entire loan process! Top Job! I will recommend him anytime, anyday to anyone! Thanks Benson for making things so much easier for us! Keep up the awesome work!

- Roland (Stretton)

（13/06/2016 更新）

客户评价（所有的评价均为真实且遵守Australian Customer Law)

FROM EVONY

你好Benson，

想让你知道我们已经完成买房交易了，并且几经享受新屋的气氛。非常感激您出色的，专业的，具竞争力的，友善的服务。

对我来说，第一次买房是非常有压力的，身边所有的朋友都说这是一个艰难的旅程。但是当我们遇到你的时候，我们都觉得“买房就如此的简单？还以为很复杂呢！”。

- Evony(Southport)

FROM Mei Yee,

“Incredibly helpful, patient and thorough with his work. Very prompt replies and always there to provide good advice. Even if it means going out of his way, Benson would make time and effort to help his clients. Definitely the ideal mortgage broker I would recommend to everyone. Was a pleasure having him look after my financial needs.”

- Mei (Runcorn)

FROM Linh,

I just wanted to say how impressed I have been with the service Benson has provided me through out my loan, process on the purchase of my investment property recently.

Benson has always beenpatient, helpful, professional and offered great advise with any questions regarding finance.

I am satisfied with theoutcome and would greatly recommend family, friends and my real estate clientsto Benson,

I also consider Benson as mybroker for my next....investment property again.

You are my best broker :)

- Linh (Raywhite - Darra)

FROM Andy AN,

Benson Tan was really professional and I appreciated his very prompt and kind service for the mortgages. He also helped me a lot for other issues I faced on. I am very happy for everything he has done for me and would like to recommend his professional service to anyone who needs mortgages. Thank you so much Benson.- Andy An(Sunnybank)

（22/03/2016 更新）

请联络 BENSON TAN  0416 738 188 ！！！

Thanks

请联系Benson Tan。谢谢!