5.25% 贷款 - Yellowbrickroad

kenwit

最近要做房屋贷款不知道Yellowbrickroad大家用过没？第一年的variable才5.25%，往后也只有5.54%。不知这家贷款机构如何？可信吗？

http://www.ybr.com.au/

helnandez

还不如用ubank^

penguinisland

大帅哥Mr Borris

kenwit

helnandez 发表于 2012-12-18 21:45
还不如用ubank^

可是ubank只能做refinance，不是吗？

宁静而致远

helnandez 发表于 2012-12-18 21:45
还不如用ubank^

Ubank doesn't have offset account, big disadvantage.

kenwit

Highlights100% Offset AccountBy using the offset account, you can help to reduce the amount of interest that you pay on your linked home loan and even reduce the term.You chooseYou can choose between fixed or variable accounts or a combination of both. With an unlimited number of accounts, you can choose any combination of repayment types to suit your needs, which includes interest only.Flexible payment optionsOwn your home sooner with the Yellow Brick Road Empower Package. Unlimited additional repayments are permitted on variable rate accounts. For fixed rate accounts, you may pay up to an additional five per cent each year without penalty. Redraw is also available on all variable rate accounts.Build or renovateYour dream home can be built or renovated with the Yellow Brick Road Empower Package.Get some help from your familyBorrow up to 95% of the purchase price or use our family guarantee option to help save on Lenders Mortgage Insurancecosts.On-line and phone accessProvides you with convenient access to your loan 24 hours a day. ATM and EFTPOS access with your offset account provides great flexibility while helping reduce interest on your loan account.

kenwit

宁静而致远 发表于 2012-12-18 21:50
Ubank doesn't have offset account, big disadvantage.

同意。不过offset暂时用不着没有多余的钱做offset啊。呵呵。

宁静而致远

kenwit 发表于 2012-12-18 21:55
同意。不过offset暂时用不着没有多余的钱做offset啊。呵呵。

面包会有的， offset account 也会有钱的。

kenwit

大家给点意见. 要是有更好的贷款（除了refinance）请告知。

helnandez

bankwest online也不错
你要是能接受redraw就可以

kenwit

helnandez 发表于 2012-12-18 22:14
bankwest online也不错
你要是能接受redraw就可以

大概什么利率？

helnandez

5.38吧，但是可以谈，用半年转ubank

kenwit

helnandez 发表于 2012-12-18 22:14
bankwest online也不错
你要是能接受redraw就可以

看了一下bankwest的是5.38%而且feature方面比较少。

kenwit

helnandez 发表于 2012-12-18 22:20
5.38吧，但是可以谈，用半年转ubank

能谈到多少？ 如果比YBR低也是不错的选择。另外bankwest的offer是否仅限于online？

helnandez

kenwit 发表于 2012-12-18 19:23
能谈到多少？ 如果比YBR低也是不错的选择。另外bankwest的offer是否仅限于online？ ...

不知道，你试试吧，我没跟他家，但是我知道他家不错