求助！请大家伙帮忙算算看，银行收的月利息是对的吗。
为方便计算，我去掉了点零头。
贷款额60万，30年，PI浮动 4.01%pa，有offset，offset账户里是16万左右。
第一个月的贷款statement，银行收我总额大约$2900一个月，其中$2100是利息，$800是本金.
我算下来，总额$2900是差不多的，可是利息多收了几百元。
打电话去银行问好几次，他们就一句他们是正确的，把我打发了，我请他们提供计算的details，不给，请他们给我个email的记录，不给。
请大家帮忙算算，是我错了，还是银行算错了，如果他们坚持说是对的（不肯email记录，就是口头一句correct），我们客户怎么维护权益呢。谢谢了！
另外，也请帮忙提供好用的calculator，特别是能计算出每月利息与本金的。万分感谢！
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谢谢足友们，最终还是在大家的帮助下，查到了原因，银行根本没有把我的offset账户和贷款账户link。
大家一定要仔细自己的房贷账户！
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搞了近两个月，总算把多算的几百元利息退给我了，谢谢足友们帮助！
多亏了足友帮我找到了原因，银行这边只会对我说它们是对的，然后一通忽悠。
也多亏了足友教我怎样去和银行交涉，本来银行一直一副不鸟你的态度，就在我提出要投诉到专门机构后，就立马换了一副有事好商量的面孔。
评论
每月天数不一样 正常
评论
如果只是差个几十，一百的我也就算了，关键是每个月多收了6百元的利息，一年就得多收7千多利息，我们小门小户的伤不起呀
评论
你这个不对吧 我看了下我的 大概680k的 一个月也才2500的利息
评论
是offset 没连上吗？
评论
offset账户里是16万 是从第一天就放进去的吗
评论
没明白， 本金800， 利息2100，这不是2900吗？ 什么叫利息多收几百， 难道还的不是2900？
还有没说贷款期限还剩多少，也没法计算， 按照你的数字，应该是还有30年
评论
貌似 offset 没算进去
评论
是的，从第一天就放进去了，一直是16万+的数额
评论
利息差不多应该1450，剩下的就是本金，银行算错了，除非你的offset不是offset
评论
如果从第一天开始就有钱在offset ac 很明显没连上
差额正好是这个16万产生的利息
评论
我的也是这样的，第一个月比想的多了一点，有可能有差几天的offset，我贷款转贷后offset好像几天后才连上的， 我看了这个月的就对了
评论
感觉offset没连上，还是大约按60w算的利息
粗略计算 60w/12*4.01% = 2005利息
评论
和贷款的banker反复确认过offset账户，这个账户是和loan的账户同时建立的，账户名就叫everyday offset
评论
银行利息计算和你自己算的不一样，房贷刚settle，每个月的本金还的很少很少，你第一个月已经还了800的本金，证明offset是连上了的
评论
刚申请的贷款，第一个月还款
评论
哪怕不算offset，本金都该比八百多。
评论
你这个还款额确实没错。
Offset的金额，对每个月还款额，没有直接影响。
Offset影响的是你的还清年数（和所付利息总额。）
也就是说你现在如果有60万的offset，你仍然需要每个月还款$2900，但是你可能15年就还清了。在这15年里，你还的全是本金，没有一分钱利息。
评论
你最好和銀行確認一下，不是貸款的banker。。。offset acc是和你哪個account number 連在一起的。
评论
确认过了，年限没有任何的缩短
评论
楼主对2900没有异议，他说的是 这2900里面的本金算少了 利息算多了
评论
Months Interest
this
payment Principal
this
payment Interest
to date Principal
to date Principal
remaining
0 $0.00 $0.00 $0.00 $0.00 $600,000.00
1 $2,005.00 $862.95 $2,005.00 $862.95 $599,137.05
2 $2,002.12 $865.84 $4,007.12 $1,728.79 $598,271.21
3 $1,999.22 $868.73 $6,006.34 $2,597.52 $597,402.48
4 $1,996.32 $871.63 $8,002.66 $3,469.15 $596,530.85
5 $1,993.41 $874.54 $9,996.07 $4,343.69 $595,656.31
6 $1,990.48 $877.47 $11,986.55 $5,221.16 $594,778.84
7 $1,987.55 $880.40 $13,974.10 $6,101.56 $593,898.44
8 $1,984.61 $883.34 $15,958.71 $6,984.90 $593,015.10
9 $1,981.66 $886.29 $17,940.37 $7,871.19 $592,128.81
10 $1,978.70 $889.25 $19,919.07 $8,760.45 $591,239.55
11 $1,975.73 $892.23 $21,894.80 $9,652.68 $590,347.32
12 $1,972.74 $895.21 $23,867.54 $10,547.88 $589,452.12
13 $1,969.75 $898.20 $25,837.29 $11,446.08 $588,553.92
14 $1,966.75 $901.20 $27,804.04 $12,347.28 $587,652.72
15 $1,963.74 $904.21 $29,767.78 $13,251.50 $586,748.50
16 $1,960.72 $907.23 $31,728.50 $14,158.73 $585,841.27
17 $1,957.69 $910.27 $33,686.19 $15,069.00 $584,931.00
18 $1,954.64 $913.31 $35,640.83 $15,982.30 $584,017.70
19 $1,951.59 $916.36 $37,592.42 $16,898.66 $583,101.34
20 $1,948.53 $919.42 $39,540.95 $17,818.08 $582,181.92
21 $1,945.46 $922.49 $41,486.41 $18,740.58 $581,259.42
22 $1,942.38 $925.58 $43,428.79 $19,666.15 $580,333.85
23 $1,939.28 $928.67 $45,368.07 $20,594.82 $579,405.18
24 $1,936.18 $931.77 $47,304.25 $21,526.60 $578,473.40
25 $1,933.07 $934.89 $49,237.31 $22,461.48 $577,538.52
26 $1,929.94 $938.01 $51,167.26 $23,399.49 $576,600.51
27 $1,926.81 $941.15 $53,094.06 $24,340.64 $575,659.36
28 $1,923.66 $944.29 $55,017.72 $25,284.93 $574,715.07
29 $1,920.51 $947.45 $56,938.23 $26,232.38 $573,767.62
30 $1,917.34 $950.61 $58,855.57 $27,182.99 $572,817.01
31 $1,914.16 $953.79 $60,769.73 $28,136.78 $571,863.22
32 $1,910.98 $956.98 $62,680.71 $29,093.75 $570,906.25
33 $1,907.78 $960.17 $64,588.49 $30,053.93 $569,946.07
34 $1,904.57 $963.38 $66,493.06 $31,017.31 $568,982.69
35 $1,901.35 $966.60 $68,394.41 $31,983.91 $568,016.09
36 $1,898.12 $969.83 $70,292.53 $32,953.74 $567,046.26
37 $1,894.88 $973.07 $72,187.41 $33,926.81 $566,073.19
38 $1,891.63 $976.32 $74,079.04 $34,903.14 $565,096.86
39 $1,888.37 $979.59 $75,967.40 $35,882.72 $564,117.28
40 $1,885.09 $982.86 $77,852.49 $36,865.58 $563,134.42
41 $1,881.81 $986.14 $79,734.30 $37,851.73 $562,148.27
42 $1,878.51 $989.44 $81,612.81 $38,841.17 $561,158.83
43 $1,875.21 $992.75 $83,488.02 $39,833.91 $560,166.09
44 $1,871.89 $996.06 $85,359.91 $40,829.98 $559,170.02
45 $1,868.56 $999.39 $87,228.47 $41,829.37 $558,170.63
46 $1,865.22 $1,002.73 $89,093.69 $42,832.10 $557,167.90
47 $1,861.87 $1,006.08 $90,955.56 $43,838.18 $556,161.82
48 $1,858.51 $1,009.44 $92,814.06 $44,847.63 $555,152.37
49 $1,855.13 $1,012.82 $94,669.20 $45,860.45 $554,139.55
50 $1,851.75 $1,016.20 $96,520.95 $46,876.65 $553,123.35
51 $1,848.35 $1,019.60 $98,369.30 $47,896.25 $552,103.75
52 $1,844.95 $1,023.01 $100,214.25 $48,919.25 $551,080.75
53 $1,841.53 $1,026.42 $102,055.78 $49,945.68 $550,054.32
54 $1,838.10 $1,029.85 $103,893.87 $50,975.53 $549,024.47
55 $1,834.66 $1,033.30 $105,728.53 $52,008.82 $547,991.18
56 $1,831.20 $1,036.75 $107,559.74 $53,045.57 $546,954.43
57 $1,827.74 $1,040.21 $109,387.47 $54,085.79 $545,914.21
58 $1,824.26 $1,043.69 $111,211.74 $55,129.47 $544,870.53
59 $1,820.78 $1,047.18 $113,032.51 $56,176.65 $543,823.35
60 $1,817.28 $1,050.68 $114,849.79 $57,227.33 $542,772.67
61 $1,813.77 $1,054.19 $116,663.56 $58,281.51 $541,718.49
62 $1,810.24 $1,057.71 $118,473.80 $59,339.22 $540,660.78
63 $1,806.71 $1,061.24 $120,280.51 $60,400.47 $539,599.53
64 $1,803.16 $1,064.79 $122,083.67 $61,465.26 $538,534.74
65 $1,799.60 $1,068.35 $123,883.27 $62,533.60 $537,466.40
66 $1,796.03 $1,071.92 $125,679.31 $63,605.52 $536,394.48
67 $1,792.45 $1,075.50 $127,471.76 $64,681.02 $535,318.98
68 $1,788.86 $1,079.09 $129,260.61 $65,760.12 $534,239.88
69 $1,785.25 $1,082.70 $131,045.87 $66,842.82 $533,157.18
70 $1,781.63 $1,086.32 $132,827.50 $67,929.14 $532,070.86
71 $1,778.00 $1,089.95 $134,605.50 $69,019.08 $530,980.92
72 $1,774.36 $1,093.59 $136,379.86 $70,112.67 $529,887.33
73 $1,770.71 $1,097.25 $138,150.57 $71,209.92 $528,790.08
74 $1,767.04 $1,100.91 $139,917.61 $72,310.83 $527,689.17
75 $1,763.36 $1,104.59 $141,680.97 $73,415.42 $526,584.58
76 $1,759.67 $1,108.28 $143,440.64 $74,523.70 $525,476.30
77 $1,755.97 $1,111.99 $145,196.61 $75,635.69 $524,364.31
78 $1,752.25 $1,115.70 $146,948.86 $76,751.39 $523,248.61
79 $1,748.52 $1,119.43 $148,697.38 $77,870.82 $522,129.18
80 $1,744.78 $1,123.17 $150,442.16 $78,993.99 $521,006.01
81 $1,741.03 $1,126.92 $152,183.19 $80,120.91 $519,879.09
82 $1,737.26 $1,130.69 $153,920.46 $81,251.60 $518,748.40
83 $1,733.48 $1,134.47 $155,653.94 $82,386.07 $517,613.93
84 $1,729.69 $1,138.26 $157,383.63 $83,524.33 $516,475.67
85 $1,725.89 $1,142.06 $159,109.52 $84,666.39 $515,333.61
86 $1,722.07 $1,145.88 $160,831.60 $85,812.27 $514,187.73
87 $1,718.24 $1,149.71 $162,549.84 $86,961.98 $513,038.02
88 $1,714.40 $1,153.55 $164,264.24 $88,115.53 $511,884.47
89 $1,710.55 $1,157.40 $165,974.79 $89,272.93 $510,727.07
90 $1,706.68 $1,161.27 $167,681.47 $90,434.21 $509,565.79
91 $1,702.80 $1,165.15 $169,384.27 $91,599.36 $508,400.64
92 $1,698.91 $1,169.05 $171,083.17 $92,768.40 $507,231.60
93 $1,695.00 $1,172.95 $172,778.17 $93,941.36 $506,058.64
94 $1,691.08 $1,176.87 $174,469.25 $95,118.23 $504,881.77
95 $1,687.15 $1,180.81 $176,156.40 $96,299.04 $503,700.96
96 $1,683.20 $1,184.75 $177,839.60 $97,483.79 $502,516.21
97 $1,679.24 $1,188.71 $179,518.84 $98,672.50 $501,327.50
98 $1,675.27 $1,192.68 $181,194.11 $99,865.18 $500,134.82
99 $1,671.28 $1,196.67 $182,865.39 $101,061.85 $498,938.15
100 $1,667.28 $1,200.67 $184,532.68 $102,262.51 $497,737.49
101 $1,663.27 $1,204.68 $186,195.95 $103,467.19 $496,532.81
102 $1,659.25 $1,208.70 $187,855.20 $104,675.90 $495,324.10
103 $1,655.21 $1,212.74 $189,510.41 $105,888.64 $494,111.36
104 $1,651.16 $1,216.80 $191,161.56 $107,105.44 $492,894.56
105 $1,647.09 $1,220.86 $192,808.65 $108,326.30 $491,673.70
106 $1,643.01 $1,224.94 $194,451.66 $109,551.24 $490,448.76
107 $1,638.92 $1,229.04 $196,090.58 $110,780.28 $489,219.72
108 $1,634.81 $1,233.14 $197,725.39 $112,013.42 $487,986.58
109 $1,630.69 $1,237.26 $199,356.07 $113,250.69 $486,749.31
110 $1,626.55 $1,241.40 $200,982.63 $114,492.08 $485,507.92
111 $1,622.41 $1,245.55 $202,605.03 $115,737.63 $484,262.37
112 $1,618.24 $1,249.71 $204,223.28 $116,987.34 $483,012.66
113 $1,614.07 $1,253.88 $205,837.34 $118,241.22 $481,758.78
114 $1,609.88 $1,258.07 $207,447.22 $119,499.30 $480,500.70
115 $1,605.67 $1,262.28 $209,052.90 $120,761.58 $479,238.42
116 $1,601.46 $1,266.50 $210,654.35 $122,028.07 $477,971.93
117 $1,597.22 $1,270.73 $212,251.57 $123,298.80 $476,701.20
118 $1,592.98 $1,274.98 $213,844.55 $124,573.78 $475,426.22
119 $1,588.72 $1,279.24 $215,433.27 $125,853.01 $474,146.99
120 $1,584.44 $1,283.51 $217,017.71 $127,136.52 $472,863.48
121 $1,580.15 $1,287.80 $218,597.86 $128,424.32 $471,575.68
122 $1,575.85 $1,292.10 $220,173.71 $129,716.43 $470,283.57
123 $1,571.53 $1,296.42 $221,745.24 $131,012.85 $468,987.15
124 $1,567.20 $1,300.75 $223,312.44 $132,313.60 $467,686.40
125 $1,562.85 $1,305.10 $224,875.29 $133,618.70 $466,381.30
126 $1,558.49 $1,309.46 $226,433.78 $134,928.16 $465,071.84
127 $1,554.12 $1,313.84 $227,987.90 $136,242.00 $463,758.00
128 $1,549.72 $1,318.23 $229,537.62 $137,560.23 $462,439.77
129 $1,545.32 $1,322.63 $231,082.94 $138,882.86 $461,117.14
130 $1,540.90 $1,327.05 $232,623.84 $140,209.91 $459,790.09
131 $1,536.47 $1,331.49 $234,160.30 $141,541.40 $458,458.60
132 $1,532.02 $1,335.94 $235,692.32 $142,877.33 $457,122.67
133 $1,527.55 $1,340.40 $237,219.87 $144,217.73 $455,782.27
134 $1,523.07 $1,344.88 $238,742.94 $145,562.61 $454,437.39
135 $1,518.58 $1,349.37 $240,261.52 $146,911.99 $453,088.01
136 $1,514.07 $1,353.88 $241,775.59 $148,265.87 $451,734.13
137 $1,509.54 $1,358.41 $243,285.14 $149,624.28 $450,375.72
138 $1,505.01 $1,362.95 $244,790.14 $150,987.22 $449,012.78
139 $1,500.45 $1,367.50 $246,290.59 $152,354.72 $447,645.28
140 $1,495.88 $1,372.07 $247,786.47 $153,726.80 $446,273.20
141 $1,491.30 $1,376.66 $249,277.77 $155,103.45 $444,896.55
142 $1,486.70 $1,381.26 $250,764.47 $156,484.71 $443,515.29
143 $1,482.08 $1,385.87 $252,246.55 $157,870.58 $442,129.42
144 $1,477.45 $1,390.50 $253,724.00 $159,261.08 $440,738.92
145 $1,472.80 $1,395.15 $255,196.80 $160,656.23 $439,343.77
146 $1,468.14 $1,399.81 $256,664.94 $162,056.04 $437,943.96
147 $1,463.46 $1,404.49 $258,128.40 $163,460.53 $436,539.47
148 $1,458.77 $1,409.18 $259,587.17 $164,869.71 $435,130.29
149 $1,454.06 $1,413.89 $261,041.23 $166,283.61 $433,716.39
150 $1,449.34 $1,418.62 $262,490.57 $167,702.22 $432,297.78
151 $1,444.60 $1,423.36 $263,935.16 $169,125.58 $430,874.42
152 $1,439.84 $1,428.11 $265,375.00 $170,553.69 $429,446.31
153 $1,435.07 $1,432.89 $266,810.07 $171,986.58 $428,013.42
154 $1,430.28 $1,437.67 $268,240.35 $173,424.25 $426,575.75
155 $1,425.47 $1,442.48 $269,665.82 $174,866.73 $425,133.27
156 $1,420.65 $1,447.30 $271,086.47 $176,314.03 $423,685.97
157 $1,415.82 $1,452.13 $272,502.29 $177,766.16 $422,233.84
158 $1,410.96 $1,456.99 $273,913.26 $179,223.15 $420,776.85
159 $1,406.10 $1,461.86 $275,319.35 $180,685.01 $419,314.99
160 $1,401.21 $1,466.74 $276,720.56 $182,151.75 $417,848.25
161 $1,396.31 $1,471.64 $278,116.87 $183,623.39 $416,376.61
162 $1,391.39 $1,476.56 $279,508.26 $185,099.95 $414,900.05
163 $1,386.46 $1,481.49 $280,894.72 $186,581.44 $413,418.56
164 $1,381.51 $1,486.44 $282,276.23 $188,067.89 $411,932.11
165 $1,376.54 $1,491.41 $283,652.77 $189,559.30 $410,440.70
166 $1,371.56 $1,496.40 $285,024.32 $191,055.70 $408,944.30
167 $1,366.56 $1,501.40 $286,390.88 $192,557.09 $407,442.91
168 $1,361.54 $1,506.41 $287,752.42 $194,063.51 $405,936.49
169 $1,356.50 $1,511.45 $289,108.92 $195,574.95 $404,425.05
170 $1,351.45 $1,516.50 $290,460.38 $197,091.45 $402,908.55
171 $1,346.39 $1,521.57 $291,806.76 $198,613.02 $401,386.98
172 $1,341.30 $1,526.65 $293,148.06 $200,139.67 $399,860.33
173 $1,336.20 $1,531.75 $294,484.26 $201,671.42 $398,328.58
174 $1,331.08 $1,536.87 $295,815.34 $203,208.29 $396,791.71
175 $1,325.95 $1,542.01 $297,141.29 $204,750.30 $395,249.70
176 $1,320.79 $1,547.16 $298,462.08 $206,297.46 $393,702.54
177 $1,315.62 $1,552.33 $299,777.71 $207,849.79 $392,150.21
178 $1,310.44 $1,557.52 $301,088.14 $209,407.30 $390,592.70
179 $1,305.23 $1,562.72 $302,393.37 $210,970.02 $389,029.98
180 $1,300.01 $1,567.94 $303,693.38 $212,537.97 $387,462.03
181 $1,294.77 $1,573.18 $304,988.15 $214,111.15 $385,888.85
182 $1,289.51 $1,578.44 $306,277.66 $215,689.59 $384,310.41
183 $1,284.24 $1,583.71 $307,561.90 $217,273.30 $382,726.70
184 $1,278.95 $1,589.01 $308,840.84 $218,862.31 $381,137.69
185 $1,273.64 $1,594.32 $310,114.48 $220,456.63 $379,543.37
186 $1,268.31 $1,599.64 $311,382.79 $222,056.27 $377,943.73
187 $1,262.96 $1,604.99 $312,645.75 $223,661.26 $376,338.74
188 $1,257.60 $1,610.35 $313,903.35 $225,271.62 $374,728.38
189 $1,252.22 $1,615.73 $315,155.56 $226,887.35 $373,112.65
190 $1,246.82 $1,621.13 $316,402.38 $228,508.48 $371,491.52
191 $1,241.40 $1,626.55 $317,643.78 $230,135.04 $369,864.96
192 $1,235.97 $1,631.99 $318,879.75 $231,767.02 $368,232.98
193 $1,230.51 $1,637.44 $320,110.26 $233,404.46 $366,595.54
194 $1,225.04 $1,642.91 $321,335.30 $235,047.37 $364,952.63
195 $1,219.55 $1,648.40 $322,554.85 $236,695.78 $363,304.22
196 $1,214.04 $1,653.91 $323,768.89 $238,349.69 $361,650.31
197 $1,208.51 $1,659.44 $324,977.41 $240,009.12 $359,990.88
198 $1,202.97 $1,664.98 $326,180.38 $241,674.11 $358,325.89
199 $1,197.41 $1,670.55 $327,377.78 $243,344.65 $356,655.35
200 $1,191.82 $1,676.13 $328,569.61 $245,020.78 $354,979.22
201 $1,186.22 $1,681.73 $329,755.83 $246,702.51 $353,297.49
202 $1,180.60 $1,687.35 $330,936.43 $248,389.86 $351,610.14
203 $1,174.96 $1,692.99 $332,111.39 $250,082.85 $349,917.15
204 $1,169.31 $1,698.65 $333,280.70 $251,781.49 $348,218.51
205 $1,163.63 $1,704.32 $334,444.33 $253,485.81 $346,514.19
206 $1,157.93 $1,710.02 $335,602.27 $255,195.83 $344,804.17
207 $1,152.22 $1,715.73 $336,754.49 $256,911.56 $343,088.44
208 $1,146.49 $1,721.46 $337,900.97 $258,633.03 $341,366.97
209 $1,140.73 $1,727.22 $339,041.71 $260,360.25 $339,639.75
210 $1,134.96 $1,732.99 $340,176.67 $262,093.23 $337,906.77
211 $1,129.17 $1,738.78 $341,305.84 $263,832.01 $336,167.99
212 $1,123.36 $1,744.59 $342,429.20 $265,576.60 $334,423.40
213 $1,117.53 $1,750.42 $343,546.74 $267,327.03 $332,672.97
214 $1,111.68 $1,756.27 $344,658.42 $269,083.29 $330,916.71
215 $1,105.81 $1,762.14 $345,764.23 $270,845.43 $329,154.57
216 $1,099.92 $1,768.03 $346,864.16 $272,613.46 $327,386.54
217 $1,094.02 $1,773.94 $347,958.17 $274,387.40 $325,612.60
218 $1,088.09 $1,779.86 $349,046.26 $276,167.26 $323,832.74
219 $1,082.14 $1,785.81 $350,128.40 $277,953.07 $322,046.93
220 $1,076.17 $1,791.78 $351,204.58 $279,744.85 $320,255.15
221 $1,070.19 $1,797.77 $352,274.76 $281,542.61 $318,457.39
222 $1,064.18 $1,803.77 $353,338.94 $283,346.39 $316,653.61
223 $1,058.15 $1,809.80 $354,397.09 $285,156.19 $314,843.81
224 $1,052.10 $1,815.85 $355,449.19 $286,972.04 $313,027.96
225 $1,046.04 $1,821.92 $356,495.23 $288,793.95 $311,206.05
226 $1,039.95 $1,828.01 $357,535.18 $290,621.96 $309,378.04
227 $1,033.84 $1,834.11 $358,569.01 $292,456.07 $307,543.93
228 $1,027.71 $1,840.24 $359,596.72 $294,296.32 $305,703.68
229 $1,021.56 $1,846.39 $360,618.28 $296,142.71 $303,857.29
230 $1,015.39 $1,852.56 $361,633.67 $297,995.27 $302,004.73
231 $1,009.20 $1,858.75 $362,642.87 $299,854.02 $300,145.98
232 $1,002.99 $1,864.96 $363,645.86 $301,718.99 $298,281.01
233 $996.76 $1,871.20 $364,642.62 $303,590.18 $296,409.82
234 $990.50 $1,877.45 $365,633.12 $305,467.63 $294,532.37
235 $984.23 $1,883.72 $366,617.35 $307,351.36 $292,648.64
236 $977.93 $1,890.02 $367,595.28 $309,241.37 $290,758.63
237 $971.62 $1,896.33 $368,566.90 $311,137.71 $288,862.29
238 $965.28 $1,902.67 $369,532.18 $313,040.38 $286,959.62
239 $958.92 $1,909.03 $370,491.11 $314,949.41 $285,050.59
240 $952.54 $1,915.41 $371,443.65 $316,864.81 $283,135.19
241 $946.14 $1,921.81 $372,389.79 $318,786.62 $281,213.38
242 $939.72 $1,928.23 $373,329.51 $320,714.85 $279,285.15
243 $933.28 $1,934.67 $374,262.79 $322,649.53 $277,350.47
244 $926.81 $1,941.14 $375,189.60 $324,590.67 $275,409.33
245 $920.33 $1,947.63 $376,109.93 $326,538.29 $273,461.71
246 $913.82 $1,954.13 $377,023.75 $328,492.43 $271,507.57
247 $907.29 $1,960.66 $377,931.04 $330,453.09 $269,546.91
248 $900.74 $1,967.22 $378,831.77 $332,420.31 $267,579.69
249 $894.16 $1,973.79 $379,725.93 $334,394.10 $265,605.90
250 $887.57 $1,980.39 $380,613.50 $336,374.48 $263,625.52
251 $880.95 $1,987.00 $381,494.45 $338,361.48 $261,638.52
252 $874.31 $1,993.64 $382,368.76 $340,355.13 $259,644.87
253 $867.65 $2,000.31 $383,236.41 $342,355.43 $257,644.57
254 $860.96 $2,006.99 $384,097.37 $344,362.42 $255,637.58
255 $854.26 $2,013.70 $384,951.62 $346,376.12 $253,623.88
256 $847.53 $2,020.43 $385,799.15 $348,396.54 $251,603.46
257 $840.77 $2,027.18 $386,639.92 $350,423.72 $249,576.28
258 $834.00 $2,033.95 $387,473.92 $352,457.67 $247,542.33
259 $827.20 $2,040.75 $388,301.13 $354,498.42 $245,501.58
260 $820.38 $2,047.57 $389,121.51 $356,545.99 $243,454.01
261 $813.54 $2,054.41 $389,935.06 $358,600.40 $241,399.60
262 $806.68 $2,061.27 $390,741.73 $360,661.67 $239,338.33
263 $799.79 $2,068.16 $391,541.52 $362,729.84 $237,270.16
264 $792.88 $2,075.07 $392,334.40 $364,804.91 $235,195.09
265 $785.94 $2,082.01 $393,120.34 $366,886.92 $233,113.08
266 $778.99 $2,088.97 $393,899.33 $368,975.88 $231,024.12
267 $772.01 $2,095.95 $394,671.33 $371,071.83 $228,928.17
268 $765.00 $2,102.95 $395,436.34 $373,174.78 $226,825.22
269 $757.97 $2,109.98 $396,194.31 $375,284.76 $224,715.24
270 $750.92 $2,117.03 $396,945.23 $377,401.79 $222,598.21
271 $743.85 $2,124.10 $397,689.08 $379,525.89 $220,474.11
272 $736.75 $2,131.20 $398,425.83 $381,657.09 $218,342.91
273 $729.63 $2,138.32 $399,155.46 $383,795.41 $216,204.59
274 $722.48 $2,145.47 $399,877.95 $385,940.88 $214,059.12
275 $715.31 $2,152.64 $400,593.26 $388,093.52 $211,906.48
276 $708.12 $2,159.83 $401,301.38 $390,253.35 $209,746.65
277 $700.90 $2,167.05 $402,002.29 $392,420.40 $207,579.60
278 $693.66 $2,174.29 $402,695.95 $394,594.69 $205,405.31
279 $686.40 $2,181.56 $403,382.34 $396,776.24 $203,223.76
280 $679.11 $2,188.85 $404,061.45 $398,965.09 $201,034.91
281 $671.79 $2,196.16 $404,733.24 $401,161.25 $198,838.75
282 $664.45 $2,203.50 $405,397.69 $403,364.75 $196,635.25
283 $657.09 $2,210.86 $406,054.78 $405,575.61 $194,424.39
284 $649.70 $2,218.25 $406,704.48 $407,793.86 $192,206.14
285 $642.29 $2,225.66 $407,346.77 $410,019.53 $189,980.47
286 $634.85 $2,233.10 $407,981.62 $412,252.63 $187,747.37
287 $627.39 $2,240.56 $408,609.01 $414,493.19 $185,506.81
288 $619.90 $2,248.05 $409,228.92 $416,741.24 $183,258.76
289 $612.39 $2,255.56 $409,841.31 $418,996.80 $181,003.20
290 $604.85 $2,263.10 $410,446.16 $421,259.90 $178,740.10
291 $597.29 $2,270.66 $411,043.45 $423,530.56 $176,469.44
292 $589.70 $2,278.25 $411,633.15 $425,808.81 $174,191.19
293 $582.09 $2,285.86 $412,215.24 $428,094.68 $171,905.32
294 $574.45 $2,293.50 $412,789.69 $430,388.18 $169,611.82
295 $566.79 $2,301.17 $413,356.48 $432,689.34 $167,310.66
296 $559.10 $2,308.86 $413,915.57 $434,998.20 $165,001.80
297 $551.38 $2,316.57 $414,466.95 $437,314.77 $162,685.23
298 $543.64 $2,324.31 $415,010.59 $439,639.08 $160,360.92
299 $535.87 $2,332.08 $415,546.47 $441,971.16 $158,028.84
300 $528.08 $2,339.87 $416,074.54 $444,311.03 $155,688.97
301 $520.26 $2,347.69 $416,594.81 $446,658.72 $153,341.28
302 $512.42 $2,355.54 $417,107.22 $449,014.26 $150,985.74
303 $504.54 $2,363.41 $417,611.77 $451,377.67 $148,622.33
304 $496.65 $2,371.31 $418,108.41 $453,748.97 $146,251.03
305 $488.72 $2,379.23 $418,597.13 $456,128.20 $143,871.80
306 $480.77 $2,387.18 $419,077.91 $458,515.38 $141,484.62
307 $472.79 $2,395.16 $419,550.70 $460,910.54 $139,089.46
308 $464.79 $2,403.16 $420,015.49 $463,313.70 $136,686.30
309 $456.76 $2,411.19 $420,472.25 $465,724.90 $134,275.10
310 $448.70 $2,419.25 $420,920.95 $468,144.14 $131,855.86
311 $440.62 $2,427.33 $421,361.57 $470,571.48 $129,428.52
312 $432.51 $2,435.44 $421,794.08 $473,006.92 $126,993.08
313 $424.37 $2,443.58 $422,218.45 $475,450.51 $124,549.49
314 $416.20 $2,451.75 $422,634.65 $477,902.26 $122,097.74
315 $408.01 $2,459.94 $423,042.66 $480,362.20 $119,637.80
316 $399.79 $2,468.16 $423,442.45 $482,830.36 $117,169.64
317 $391.54 $2,476.41 $423,833.99 $485,306.77 $114,693.23
318 $383.27 $2,484.69 $424,217.26 $487,791.46 $112,208.54
319 $374.96 $2,492.99 $424,592.22 $490,284.44 $109,715.56
320 $366.63 $2,501.32 $424,958.85 $492,785.76 $107,214.24
321 $358.27 $2,509.68 $425,317.13 $495,295.44 $104,704.56
322 $349.89 $2,518.06 $425,667.02 $497,813.50 $102,186.50
323 $341.47 $2,526.48 $426,008.49 $500,339.98 $99,660.02
324 $333.03 $2,534.92 $426,341.52 $502,874.90 $97,125.10
325 $324.56 $2,543.39 $426,666.08 $505,418.30 $94,581.70
326 $316.06 $2,551.89 $426,982.14 $507,970.19 $92,029.81
327 $307.53 $2,560.42 $427,289.67 $510,530.61 $89,469.39
328 $298.98 $2,568.98 $427,588.65 $513,099.58 $86,900.42
329 $290.39 $2,577.56 $427,879.04 $515,677.14 $84,322.86
330 $281.78 $2,586.17 $428,160.82 $518,263.32 $81,736.68
评论
(60w-16w) * 4.01% / 12 = 1477 (當然我用了最簡單的算法，不過上下不會過百）..lz說的是2100是利息，也就是在ta帳戶上有新generate的利息2100刀。。你說的情況應該是2900裡，1500是利息，1400是本金。
很大可能是offset account沒有連到貸款的acc上。
评论
谢谢，不过这个应该是不算offset里面的钱的抵扣吧。
我和贷款的banker确认过，offset里的钱是抵扣利息的
评论
感觉是这样的，
可是我和贷款banker反复确认过offset的账户的，
而且loan账户的记录也显示确认了offset账户是关联的
loan就显示了下面的信息：
Interest rate applied to that part of the loan equal to the
Everyday Offset Account balance(s) - 0.000% per annum
评论
哪家银行？
评论
还款金额没变，年限没缩短，那貌似就是Offset没连上啊。
你这个应该是22年还清的。我的理解是刚开始还款额和没有offset的差别不大的。
评论
嗯嗯。没审好题，就开始回复了。
评论
如果在貸款帳戶上顯示出來源一筆transaction是利息2100的話，那明顯就是沒連上。offset帳戶就是普通的帳戶，要和貸款帳戶連上了才能叫真的offset account.不是帳戶名叫offset，就算連上了。
评论
明白了， 按照你的offset数额，的确本金太少了。但是有的银行实在交付利息之后，再做调整， 也就是先按标准的贷款计算，也就是800本金，2100的利息。之后在月底再计算你省多少利息，再做调整。 但是你这个是everyday offset。 估计不是用。这绝对有问题的。 建议直接找你的贷款经理面谈
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