如何帮助降低不断上升的利息成本？

17/08/2026 17/08/2026

Patrick Wang

如何帮助降低不断上升的利息成本？

在当前的通胀压力下，到今年年底，官方利率OCR将有可能升至3%。如果你有浮动利率贷款、或者60天内有再固定利率展期，或者只是抱着“观望”的态度等待变化，建议在利率仍处于低位的时候锁定利率。以下是一些帮助管理住房贷款的提示。

将浮动利率改为固定利率

每次加息都会增加等待成本
在进一步生息之前，先调整到固定利率
提前计划，做好新的预算
还有时间采取行动，不要等待太久

为再固定贷款提前锁定利率

大部分银行提供有60天内锁定贷款利率的服务。这在利率上升期尤为重要
无需等到最后一刻再做贷款再固定
提前60天获得新利率并固定下来
如果不知道具体日期，可在网上银行贷款账号下面查询
银行会提前60天发出再固定贷款展期提醒邮件
可以联系贷款经纪寻求建议

银行提供1%的现金返还以帮助支付以下费用

购买新的房产
再融资贷款
新的套现贷款
可向贷款经纪咨询现金返还的条款

现在购买房产的市场环境

过去一年房价略有下跌，提供了购买机会
新上市房产继续增加，市场供应充足，为买家提供了谈判选择
待售房产库存继续上升
稳定的房地产市场为买家提供了做出明智决策的机会

再融资贷款对你适合吗?

没有确切答案，需要量身定做
我们将提供免费再融资评估
欢迎联系我们

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