{"id":3679,"date":"2020-11-07T06:23:29","date_gmt":"2020-11-07T06:23:29","guid":{"rendered":"https:\/\/fleximortgage.com.au\/?p=3679"},"modified":"2021-09-30T17:44:03","modified_gmt":"2021-09-30T07:44:03","slug":"tan-dung-toi-da-loi-ich-cua-tai-khoan-offset-account","status":"publish","type":"post","link":"https:\/\/fleximortgage.com.au\/en\/tan-dung-toi-da-loi-ich-cua-tai-khoan-offset-account\/","title":{"rendered":"T\u1eadn d\u1ee5ng t\u1ed1i \u0111a l\u1ee3i \u00edch c\u1ee7a t\u00e0i kho\u1ea3n offset account"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3679\" class=\"elementor elementor-3679\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-23dd37f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23dd37f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-35fea86\" data-id=\"35fea86\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b3a5e74 elementor-widget elementor-widget-text-editor\" data-id=\"b3a5e74\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>N\u1ebfu ch\u01b0a chu\u1ea9n b\u1ecb \u0111\u1ee7 s\u1ed1 ti\u1ec1n c\u1ea7n thi\u1ebft th\u00ec r\u1ea5t c\u00f3 th\u1ec3 b\u1ea1n s\u1ebd ph\u1ea3i vay m\u01b0\u1ee3n t\u1eeb ng\u00e2n h\u00e0ng. V\u00e0 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, b\u1ea1n s\u1ebd nhi\u1ec1u l\u1ea7n nghe ph\u1ea3i nh\u1eefng thu\u1eadt ng\u1eef r\u1ea5t l\u1ea1 nh\u01b0 \u2018redraw facility\u2019 hay \u2018offset account\u2019.<\/b><br><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cc0e140 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cc0e140\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41eef3a\" data-id=\"41eef3a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4538359 elementor-widget elementor-widget-text-editor\" data-id=\"4538359\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u0110\u00e2y l\u00e0 l\u1ea7n \u0111\u1ea7u b\u1ea1n mua nh\u00e0 v\u00e0 ch\u01b0a t\u1eebng c\u00f3 kinh nghi\u1ec7m vay ng\u00e2n h\u00e0ng tr\u01b0\u1edbc \u0111\u00e2y?<\/p><p>N\u1ebfu c\u00e2u tr\u1ea3 l\u1eddi l\u00e0 \u201c\u0111\u00fang\u201d th\u00ec xin ch\u00fac m\u1eebng.\u00a0<a href=\"https:\/\/fleximortgage.com.au\/en\/category\/cau-chuyen-thanh-cong\/\" target=\"_blank\" rel=\"noopener\">Mua nh\u00e0\u00a0<\/a>l\u00e0 m\u1ed9t tr\u1ea3i nghi\u1ec7m tuy\u1ec7t v\u1eddi cho m\u1ed7i ng\u01b0\u1eddi, d\u00f9 l\u00e0 b\u1ea1n \u0111ang t\u00ecm m\u1ed9t n\u01a1i \u0111\u1ec3 an c\u01b0 hay \u0111\u01a1n gi\u1ea3n l\u00e0 m\u1ed9t c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0.<\/p><p>N\u1ebfu ch\u01b0a chu\u1ea9n b\u1ecb \u0111\u1ee7 s\u1ed1 ti\u1ec1n c\u1ea7n thi\u1ebft th\u00ec r\u1ea5t c\u00f3 th\u1ec3 b\u1ea1n s\u1ebd ph\u1ea3i vay m\u01b0\u1ee3n t\u1eeb ng\u00e2n h\u00e0ng. V\u00e0 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, b\u1ea1n s\u1ebd nhi\u1ec1u l\u1ea7n nghe ph\u1ea3i nh\u1eefng thu\u1eadt ng\u1eef r\u1ea5t l\u1ea1 nh\u01b0 \u2018redraw facility\u2019 hay \u2018offset account\u2019.<\/p><p>Nhi\u1ec1u ng\u01b0\u1eddi th\u01b0\u1eddng th\u1eafc m\u1eafc nh\u1eefng t\u00ednh n\u0103ng vay n\u00e0y c\u00f3 \u00fd ngh\u0129a g\u00ec, li\u1ec7u h\u1ecd c\u00f3 c\u1ea7n ch\u00fang kh\u00f4ng, hay l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a l\u1ee3i \u00edch m\u00e0 nh\u1eefng t\u00ednh n\u0103ng n\u00e0y mang l\u1ea1i.<\/p><p>V\u1eady trong b\u00e0i vi\u1ebft n\u00e0y, h\u00e3y c\u00f9ng Flexi Mortgage t\u00ecm hi\u1ec3u v\u1ec1 T\u00e0i kho\u1ea3n b\u00f9 \u0111\u1eafp (Offset account), m\u1ed9t trong nh\u1eefng t\u00ednh n\u0103ng m\u00e0 b\u1ea1n s\u1ebd th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi vay mua nh\u00e0.<\/p><h2>Offset account l\u00e0 g\u00ec?<\/h2><p>Offset account (t\u00e0i kho\u1ea3n b\u00f9 \u0111\u1eafp) l\u00e0 t\u00e0i kho\u1ea3n giao d\u1ecbch \u0111\u01b0\u1ee3c li\u00ean k\u1ebft tr\u1ef1c ti\u1ebfp v\u1edbi kho\u1ea3n vay mua nh\u00e0 c\u1ee7a b\u1ea1n.\u00a0<\/p><p>T\u1ea5t c\u1ea3 s\u1ed1 ti\u1ec1n n\u1eb1m trong t\u00e0i kho\u1ea3n n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 gi\u1ea3m tr\u1eeb ph\u1ea7n ti\u1ec1n l\u00e3i \u0111\u1ecbnh k\u1ef3 m\u00e0 b\u1ea1n ph\u1ea3i tr\u1ea3 khi \u0111i vay.<\/p><p>V\u00ed d\u1ee5: b\u1ea1n c\u00f3 $10.000 trong offset account v\u00e0 n\u1ee3 ng\u00e2n h\u00e0ng $500.000 \u0111\u1ec3 mua nh\u00e0.\u00a0<\/p><p>Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, <b>b\u1ea1n ch\u1ec9 ph\u1ea3i tr\u1ea3 l\u00e3i cho s\u1ed1 ti\u1ec1n b\u1eb1ng v\u1edbi kho\u1ea3n ti\u1ec1n n\u1ee3 tr\u1eeb \u0111i s\u1ed1 ti\u1ec1n c\u00f3 trong t\u00e0i kho\u1ea3n offset.\u00a0<\/b><\/p><p>N\u00f3i c\u00e1ch kh\u00e1c, b\u1ea1n s\u1ebd b\u1ecb t\u00ednh l\u00e3i cho kho\u1ea3n vay $490.000, thay v\u00ec kho\u1ea3n vay $500.000 nh\u01b0 l\u00fac \u0111\u1ea7u.<\/p><p>V\u1eady n\u00ean n\u1ebfu b\u1ea1n c\u00f3 s\u1eb5n m\u1ed9t s\u1ed1 ti\u1ec1n kha kh\u00e1 trong offset account ngay t\u1eeb l\u00fac \u0111i vay th\u00ec b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m h\u00e0ng ngh\u00ecn \u0111\u00f4 la ti\u1ec1n l\u00e3i trong su\u1ed1t th\u1eddi gian vay.<\/p><h2><strong>Offset account \u0111i k\u00e8m v\u1edbi s\u1ea3n ph\u1ea9m vay n\u00e0o? <\/strong><\/h2><p>M\u1eb7c d\u00f9 l\u1ee3i \u00edch t\u1eeb offset account l\u00e0 qu\u00e1 r\u00f5 r\u00e0ng, nh\u01b0ng c\u1ea7n l\u01b0u \u00fd l\u00e0 \u0111\u1ec3 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng t\u00ednh n\u0103ng n\u00e0y b\u1ea1n c\u1ea7n ph\u1ea3i \u0111\u0103ng k\u00fd <b>&#8216;kho\u1ea3n vay mua nh\u00e0 tr\u1ecdn g\u00f3i&#8217;<\/b> <i>(home loan package)<\/i> &#8211; th\u01b0\u1eddng \u0111i k\u00e8m v\u1edbi ph\u00ed h\u00e0ng n\u0103m (t\u1ea7m kho\u1ea3ng $395).<\/p><p>V\u1eady, n\u1ebfu s\u1ed1 d\u01b0 th\u01b0\u1eddng xuy\u00ean trong t\u00e0i kho\u1ea3n b\u00f9 \u0111\u1eafp c\u1ee7a b\u1ea1n kh\u00f4ng \u0111\u1ee7 l\u1edbn, th\u00ec t\u00ednh n\u0103ng n\u00e0y s\u1ebd kh\u00f4ng th\u1ec3 h\u1ed7 tr\u1ee3 b\u1ea1n nhi\u1ec1u v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh.<\/p><p>\u0110\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n, h\u00e3y xem qua v\u00ed d\u1ee5 sau:<\/p><p>Gi\u1ea3 s\u1eed b\u1ea1n \u0111ang vay $500.000 \u0111\u1ec3 mua nh\u00e0, th\u1eddi h\u1ea1n 30 n\u0103m v\u1edbi l\u00e3i su\u1ea5t 4% \/ n\u0103m.\u00a0<\/p><p>N\u1ebfu b\u1ea1n c\u00f3 $10.000 trong offset account t\u1eeb nh\u1eefng ng\u00e0y \u0111\u1ea7u ti\u00ean v\u00e0 s\u1ed1 ti\u1ec1n n\u00e0y lu\u00f4n n\u1eb1m nguy\u00ean trong t\u00e0i kho\u1ea3n th\u00ec b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c kho\u1ea3ng $10.800 ti\u1ec1n l\u00e3i trong su\u1ed1t 30 n\u0103m.<\/p><p>Tuy nhi\u00ean, n\u1ebfu offset account c\u1ee7a b\u1ea1n l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a <i>&#8216;g\u00f3i vay mua nh\u00e0 chuy\u00ean nghi\u1ec7p&#8217;<\/i> v\u00e0 ph\u00ed k\u00e8m theo l\u00e0 $495 m\u1ed9t n\u0103m, th\u00ec chi ph\u00ed c\u1ee7a s\u1ea3n ph\u1ea9m n\u00e0y trong 30 n\u0103m l\u00e0 $13.500.<\/p><p>N\u00f3i c\u00e1ch kh\u00e1c, ti\u1ec1n ph\u00ed tr\u1ea3 cho g\u00f3i chuy\u00ean nghi\u1ec7p s\u1ebd nhi\u1ec1u h\u01a1n s\u1ed1 ti\u1ec1n b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c khi c\u00f3 $10.000 trong offset account.<\/p><p>Trong t\u00ecnh hu\u1ed1ng n\u00e0y, b\u1ea1n s\u1ebd c\u1ea7n c\u00f3 \u00edt nh\u1ea5t $15.000 trong t\u00e0i kho\u1ea3n t\u1eeb \u0111\u1ea7u \u0111\u1ec3 h\u01b0\u1edfng l\u1ee3i t\u1eeb t\u00ednh n\u0103ng vay mua nh\u00e0 n\u00e0y.<\/p><h2><strong>L\u00e0m sao \u0111\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a t\u00e0i kho\u1ea3n b\u00f9 \u0111\u1eafp? <\/strong><\/h2><p>N\u1ebfu quy\u1ebft \u0111\u1ecbnh vay mua nh\u00e0 k\u00e8m v\u1edbi offset account, b\u1ea1n ph\u1ea3i bi\u1ebft c\u00e1ch khai th\u00e1c t\u1ed1i \u0111a t\u00ednh n\u0103ng n\u00e0y.\u00a0<\/p><h3>1. G\u1eedi 100% thu nh\u1eadp v\u00e0o offset account<\/h3><p>\u0110\u1ea7u ti\u00ean, b\u1ea1n n\u00ean g\u1eedi th\u1eb3ng thu nh\u1eadp c\u1ee7a m\u00ecnh v\u00e0o offset account \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a kho\u1ea3n ti\u1ebft ki\u1ec7m m\u00e0 m\u00ecnh c\u00f3.\u00a0<\/p><p>B\u1eb1ng c\u00e1ch g\u1eedi 100% ti\u1ec1n v\u00e0o offset account, b\u1ea1n c\u00f3 th\u1ec3 t\u0103ng \u0111\u00e1ng k\u1ec3 s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n v\u00e0 t\u1ed1i \u0111a h\u00f3a gi\u00e1 tr\u1ecb c\u1ee7a t\u00ednh n\u0103ng n\u00e0y.\u00a0<\/p><p>Tuy nhi\u00ean, c\u1ea7n l\u01b0u \u00fd l\u00e0 ti\u1ec1n l\u00e3i \u0111\u01b0\u1ee3c t\u00ednh h\u00e0ng ng\u00e0y.\u00a0<\/p><p>V\u00ec v\u1eady, ngay c\u1ea3 khi b\u1ea1n s\u1eed d\u1ee5ng offset account \u0111\u1ec3 giao d\u1ecbch\/ chi ti\u00eau, s\u1ed1 d\u01b0 trong t\u00e0i kho\u1ea3n s\u1ebd lu\u00f4n \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 gi\u1ea3m tr\u1eeb ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 cho kho\u1ea3n vay &#8211; b\u1ea5t k\u1ec3 s\u1ed1 ti\u1ec1n trong \u0111\u00f3 l\u00e0 bao nhi\u00eau.<\/p><h3>2. Thay v\u00ec c\u00f3 m\u1ed9t t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ri\u00eang, h\u00e3y g\u1eedi t\u1ea5t c\u1ea3 ti\u1ec1n c\u1ee7a b\u1ea1n v\u00e0o offset account\u00a0<\/h3><p>N\u1ebfu b\u1ea1n kh\u00f4ng tin t\u01b0\u1edfng v\u00e0o kh\u1ea3 n\u0103ng ki\u1ec3m so\u00e1t chi ti\u00eau c\u1ee7a m\u00ecnh v\u00e0 c\u1ea7n \u0111\u1eb7t ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0o m\u1ed9t t\u00e0i kho\u1ea3n ri\u00eang, h\u00e3y y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng m\u1edf th\u00eam m\u1ed9t offset account kh\u00e1c v\u00e0 ch\u1ec9 d\u00f9ng n\u00f3 \u0111\u1ec3 g\u1eedi ti\u1ebft ki\u1ec7m.\u00a0<\/p><p>M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cho ph\u00e9p m\u1edf t\u1ed1i \u0111a 7 offset account, v\u00e0 t\u1ed5ng s\u1ed1 d\u01b0 c\u1ee7a ch\u00fang s\u1ebd \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 gi\u1ea3m l\u00e3i ph\u1ea3i tr\u1ea3 cho kho\u1ea3n vay c\u1ee7a b\u1ea1n.<\/p><div><div dir=\"auto\">Xem m\u1ed9t s\u1ed1 approval case vay mua nh\u00e0 th\u00e0nh c\u00f4ng\u00a0<a href=\"https:\/\/fleximortgage.com.au\/en\/category\/cau-chuyen-thanh-cong\/\" target=\"_blank\" rel=\"noopener\">link<\/a>.<\/div><div dir=\"auto\">\u00a0<\/div><div dir=\"auto\">Li\u00ean h\u1ec7 Flexi Mortgage \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n mi\u1ec5n ph\u00ed:<\/div><\/div><div><div dir=\"auto\"><ul><li>Hotline: 02 8773 1451<\/li><li>Email: mortgage@flexigroupholdings.com.au<\/li><li>Website: Fleximortgage.com.au<\/li><li>Fanpage:\u00a0<a style=\"background-color: #ffffff; font-family: var( --e-global-typography-text-font-family ), Roboto; font-weight: var( --e-global-typography-text-font-weight );\" href=\"https:\/\/www.facebook.com\/FlexiMortgage\" target=\"_blank\" rel=\"noopener\">Flexi Mortgage<\/a><\/li><\/ul><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>N\u1ebfu ch\u01b0a chu\u1ea9n b\u1ecb \u0111\u1ee7 s\u1ed1 ti\u1ec1n c\u1ea7n thi\u1ebft th\u00ec r\u1ea5t c\u00f3 th\u1ec3 b\u1ea1n s\u1ebd ph\u1ea3i vay m\u01b0\u1ee3n t\u1eeb ng\u00e2n h\u00e0ng. V\u00e0 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, b\u1ea1n s\u1ebd nhi\u1ec1u l\u1ea7n &#8230;<\/p>","protected":false},"author":1,"featured_media":3683,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3679","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kien-thuc-tai-chinh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>T\u1eadn d\u1ee5ng t\u1ed1i \u0111a l\u1ee3i \u00edch c\u1ee7a t\u00e0i kho\u1ea3n offset account - Flexi Mortgage<\/title>\n<meta name=\"description\" content=\"N\u1ebfu mu\u1ed1n mua nh\u00e0 v\u00e0 c\u1ea7n vay m\u01b0\u1ee3n t\u1eeb ng\u00e2n h\u00e0ng. 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