commonwealth bank 最新推出得No Fee Variable Rate Home/Investment Home Loan

shanshan210

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....

Please come into the garden city branch if you are interested and I will be able to help you ^-^  and My name is Sophie ^-^

是还可以，可没有对冲会是一大劣势～

offset是王道

应该说 OFFSET + INTRESET ONLY 才是王道

只要有好的利率比什么多好
CBA现在是最贵的了吧。。。