转贷换银行的成本 Refinance cost

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1. 通常转贷一定会产生的费用大概为 $800 左右，包含如下几项：

1) 旧银行的 discharge fee，通常为 $350.

2) 政府取消/注册 mortgage 的费用，西澳洲为 $203 x 2 = $406.

4) 新银行的 title search fee，约为 $50.

2. 以下为转贷有可能产生的额外费用：

1) 新银行的申请费（if available） 

2) 如果之前的贷款是固定利率，那么可能有 break cost  

3. Interim interest

除上述费用外，旧银行还需要收取转贷期间贷款所产生的利息，即 interim interest 。举例说明，如果旧银行每个月 10 号收取利息，而贷款在 25 号转去了新的银行，那么旧的银行需要向客户收取 10 号 - 25 号这些天贷款所产生的利息。Interim interest 是贷款产生的正常利息，并不算作转贷的费用。

故对于转贷申请，常见的做法是将新银行的贷款额增加少许以 cover 转贷费用以及 interim interest。

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