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无意义，16个月里还能够转贷两次,每次4000返现。
假如是投资房转贷，就更划算了，break cost能够负扣税。
Unlike owner-occupier homeowners, property investors can benefit from many refinance costs tax deductions. Some of the fees an investor can expect to claim are:
loan establishment fees such as the application fee
early discharge fees
fixed rate loan break fees
any title search fees charged by your lender
valuation fees charged by your lender
mortgage broker fees
lenders mortgage insurance billed to the borrower
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论坛元老