需要转贷，请问地产版大神们，这两个贷款产品，哪个更好？

Hetbert

汇丰的三年定期两周内到期，想再定期两年或三年。

能多还就行，Redraw或者Offset都可有可无。

感觉Easy Street，每年可以多还25000，固定利率也有100%对冲账户，挺不错的。

留在HSBC就省事点。。。

peterbroker

这俩产品利率都不错。另外推荐一个BOM的固定2年3.89%利率外加1500的cash rebate也是时候楼主需求，比汇丰的好一点。

showme

current rate 和 comparison rate 啥区别？

peterbroker

showme 发表于 2018-5-31 13:27
current rate 和 comparison rate 啥区别？

comparison rate 是加上贷款的杂费后按150000万额度计算出来的总支出比例。

hszy

Easy Street是啥银行啊？

showme

peterbroker 发表于 2018-6-1 16:06
comparison rate 是加上贷款的杂费后按150000万额度计算出来的总支出比例。

感谢

Hetbert

hszy 发表于 2018-6-1 16:11
Easy Street是啥银行啊？

是新州的一家信用社，网站上说七万多用户大多数都住在悉尼和中央海岸。

https://www.easystreet.com.au/about-community-first-credit-union

Community First is a financially sound and well managed Financial institution that has been in operation since 1959. Community First is the 9th largest credit union in New South Wales and the 23rd largest in Australia based on total assets. We have over 75,000 Members, eleven Financial Service Stores and over $700 million in funds under management.

Community First exists for Members
As a mutual organisation Community First is not required to make large profits to pay dividends on shares. We deliver value to our Members as owners through superior service, an extensive range of products, lower fees and competitive interest rates.

Regulated the same way as the banks
Community First Credit Union is an “Authorised Deposit Taking Institution” regulated under the Banking Act 1959, by the Australian Prudential Regulation Authority (APRA) and the Corporations Act 2001, by the Australian Securities and Investment Commission (ASIC). Credit Unions hold Australian Financial Services Licences administered by ASIC, and are regulated under the Corporations Act, meeting all relevant Australian company law requirements and obligations.

Community First is safe and secure
Community First carries capital relative to our risk-weighted assets that is well above the current level of banks. Community First also provides an extra degree of protection for our Members through our contributions we make to the Credit Union Financial Support System (CUFSS)

CUFFS is an industry support scheme that provides deposit protection for Credit Union Members. The scheme has been certified by the Australian Prudential Regulation Authority (APRA), the prudential regulator for all deposit-taking institutions, including credit unions and banks.

Today, Community First is the largest community based credit union operating throughout the Sydney and Central Coast region. We aim to continue to be an integral part of the communities in which our Members live and work.

enso89

现在财政年底，几家银行都有转贷返现，$1500-2000都有，利率大约3.7-3.8%