年利率6.59.没有任何费用，可以做IO，但是没有offset
http://www.smh.com.au/business/c ... 20110522-1eyzf.html
哥不明白Ubank 6.51%吸储，6.59%贷出去，图的是什么？
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图的是关注。。。
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没有退出费用的，用户随时可以走
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没有退出费就没有约束力 涨了就换其他家
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没有offset ....
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比credit union 还狠
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xixi. 顶Ubank
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没有Offset, 就是鼓励你多交Interest?
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如果有Offset就完美了啊
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扫下盲，如果将来不打算做投资房用途，没有Offset没有关系的，可以多还，用钱的时候redraw
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切身体会没有offset的各种不方便 redraw有各种限制
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看了UBank的home loan 的 term and condition，好像多pay和redraw，不是非常方便。
1 - About these conditions
1.1 These conditions set out available methods for You to access credit under our loan products, and govern the use of those Redraw Methods. These conditions also provide flexibility as to how You can make payments to Us.
1.2 If You wish to use an available Redraw Method, You will need to complete the appropriate request or application form. The Redraw Method will become effective only when We agree to your request, and will be subject to these
conditions.
2 - Availability of Payment and Redraw Methods
Payment and Redraw Methods Table
Payment method Available
Regular direct credit Yes
Optional direct credit (for example, health Yes
insurance claims, dividends, etc)
BPAY Yes
Salary and other income crediting Yes
Any other method from time to time offered Yes
to You by Us
Redraw method Available
Regular direct debit Yes
Optional direct debit (for example, payment Yes
of insurance premiums)
Any other method from time to time offered Yes
to You by Us
[ 本帖最后由 eyes 于 2011-5-24 12:52 编辑 ]
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相比较下来，bankwest的rate tracker，虽然没有offset，但是repay, redraw非常方便，loan账户用起来就跟普通saving账户差不多，随时都可以转进转出。
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还要提醒的是，这个loan 只适合 refinance 的，不面向新贷款申请人。 旨在抢市场吧 。
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asked a broker he replied this
Funny we were given a credit policy guide today at a NAB presentation over lunch.
All loans credit scored minimum score required to qualify.
No top up loans considered.
Also 101 other anomalies and after July 1 I think you will find the interest rate start to rise once the initial marketing is over.
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呵呵,应该还是能吸引不少人的
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d
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