The new No Fee Variable Rate Home/Investment Home Loan offers customers a home loan that provides a competitive interest rate with no Bank fees for the life of the loan. This may suit you if you are seeking a transparent home loan that still receives a wide variety of benefits. Our loan gives you the ability to have freedom of choice in repayment frequencies and special repayments.
Loan purpose:
* Owner Occupied Housing, Investment Housing, Refinance of other banks Home Loans, Personal Investment and /or Off the Plan purchases
Switching and Internal Refinances:
* Switching or increasing existing loans into this product is not available until Monday 4 April 2011
Increase to Loan Amount :
* Yes (Subject to approval)
Benefits for customers:
* No Bank fees and charges for the life of the loan
* Offers a competitive low interest rate
* Provides freedom of choice in repayment frequencies and special repayments
* Customers also are eligible to apply for a Transaction Account with no Monthly Account Fee and a Low Fee Credit Card with no annual fee
No Fee Variable Rate Home Loan Features:
* No Establishment Fee: NAB : $ 600 Westpac: $600 ANZ : $ 600
* No Loan Services Fee : NAB : $ 8 per month Westac : $ 8 per month ANZ : $ 5per month
* No Settlement Fee: NAB : $ 200 Westpac : $ 250 ANZ : $ 160
* No Valuation Fee
* No Settlement Cheque Fee
* No Additional Security Fee: NAB : not disclosed Westpac : not disclosed ANZ : $150
* No Security Guarantee Fee: NAB : not disclosed Westpac : not disclosed ANZ : $200
* No Security Substitution Fee: NAB : not disclosed Westpac : not disclosed ANZ : $350
* No Drawing Fee
* No Switching Fee
* No Top up Fee: NAB :600 Westpac : $400 ANZ : $350
* No Administrative Fee
* No Statement Fee
* No Voucher Fee
* No Access Fee (card access not available)
* No Late Payment Fee: NAB: $35 per reminder letter Westpac : not disclosed ANZ : $20 per month
* No Discharge Fee
* No Deferred Establishment Fee NAB : $0 Westpac : $ 700 ANZ : $0
Interest rate:
* 7.24% p.a (Variable Rate subject to Change)
Comparison Rate:
* 7.24% p.a (Variable Rate subject to Change)
Minimum loan amount:
* Minimum loan amount $150,000
Minimum Loan term:
* Not applicable
Maximum Loan term:
* 30 years (subject to expected retirement age of the applicant/s)
Loan to Valuation Ratio (LVR):
* Up to 80% LVR (no Lenders Mortgage Insurance (LMI) or Low Deposit Premium (LDP)).
* Above 80% LMI or LDP will apply (normal policy guidelines apply, please speak to your lender/ broker)
Interest structure options:
* Principal and Interest or Interest Only
Repayment frequency:
* Weekly, Fortnightly, Monthly (interest only repayment are monthly)
Higher payments permitted:
* YES
Special payments permitted:
* YES
Offset account:
* Not available
Repayment redraw:
* Yes, minimum $1000 over the counter at any Commonwealth Bank Branch or minimum $500 via NetBank. Both with a $0 redraw fee (ATM and EFTPOS access not available)
Card access:
* Not available
Split loans:
* Not available
Package Savings:
* Not available
'Low Doc':
* Not available
不要忘记如果是从NAB Bank refinance 过来commonwealth bank 还可以拿 $1200 cash; Any saving account switch over to commonwealth bank 可以拿 $100, any credit card switch over to commonwealth bank 可以拿 $ 100....
[ 本帖最后由 shanshan210 于 2011-2-28 22:12 编辑 ]
评论
7.24?好快的刀阿
评论
CBA 最近抢Loan 很厉害
评论
CBA对老的客户有什么优惠啊？
前两天接到他们的电话，问我有没有计划再买房，重新贷款可以优惠。
评论
很吸引人啊，就是没有offset account
评论
顶一下
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