对冲账户(Offset account)详解

img-offset-2对冲账户(Offset account)介绍

对冲账户英文叫OFFSET ACCOUNT, 在国内有个相似的产品叫存贷通。
对冲帐户的本质就是一个日常的交易帐户,只是这个帐户与贷款帐户相连。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。

对冲账户的主要作用

贷款下来后银行会给你一个贷款账户,如果你贷款30万,贷款账户的余额 就是 -30万。 如果你开一个对冲账户(性质和存款账户一样,没有管理费)然后你在对冲账户里放 10 万,那你要付的利息其实就是 (30-10 万= )20 万的利息,假如第二天你又放里 20万进对冲账户,那你需要付的就是 (30万-30万= )0 的利息,也就是没有利息了。

对冲账户的利息是按天计算的,和存款账户的性质一样,可以随时存进钱也可以随时拿出钱。区别就是对冲账户里的钱可以抵消贷款账户里所欠的钱,从而起到抵消贷款利息的作用。
对冲账户的优势/好处

1. 最大程度节省利息
你可以把工资等收入打入对冲账户,这样当天就可以开始抵消贷款利息,从而最大化地抵消利息。

2. 资金最大自由化
因为对冲账户能随时自由存取,要用的时候就拿出来,有多余的钱就可以放进去抵消利息,可以使你的资金分配更加自由。而且因为房屋贷款的利息相对于车贷和生意贷款便宜不少,所以你可以尽量多从房子里贷出钱来用于买车或者买生意。也会让你更容易管理的你投资和生意,因为他能增加您的现金流(CASH FLOW).

3. 潜在税务利益
澳大利亚税法规定,如果你买的是自住房,当自住房转投资房的时候,你贷款账户里的余额所产生的利息都可以用来抵扣税。所以如果不用对冲账户的话,你多余的钱只能放在贷款账户里而减少贷款账户余额,导致抵扣税的数额变少。但是如果你把多余的钱放在对冲账户里就不会有这些麻烦,而且照样能起到抵消利息的作用。

当然所有事物都有优点和缺点,对冲账户也不例外。它的缺点就是要付年费,年费每家银行不一样,从 $180- $395不等。

举例

贷款额度: $500k
对冲账户资金: $50k
贷款利率: 6.00%
那么你只需要支付:(500k-50k)*6.00% 的利息,而不是 $500k * 6.00%



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