re-finance

83447557

Is any one know the procedure for discharge loan.
I have send discharge form to my lend they charge me 6.98% interest ,it is AIMS (most staff our people) the rate is terrible, but begin is very attractive.....
Now I am going to change  to Bank west. is anyone know the procedure....

I had loan approval from Bankwest. I just send discharge form asking settle date on 22/6/12.  what should I do next? I am too poor to afford a lawyer.

simplyjean

很简单，你让BW发通知给AIMs to book a settlement date。 如果AIMs 没有问题了，会agree.

simplyjean

我以前也是AIMs，他们很糟糕。我当时要转走的时候，她们总是拖拉着就想我晚几天走。我的银行给AIMs发了好几次fax to book settlement, AIMs就说没有收到fax, 所以最后我自己发了两次，说收到了。这个影响了晚四天settle. 经验供你参考。

shirleyhelj

旧的lender你要follow up, 不然他们会拖很久的。你通知他们的settlement 日子一般很难实现，你自己做的话要记住一直催他们。

老公是broker, 好像他推荐variable rate citibank 5.89%，fixed rate st George 5.74%.

我们自己家用的是homeside 和hsbc, 过一段时间也要转了。

83447557

AIMS just contact me , they can give me the rate@5.79% 3years fix rate, is any one know is good?

I have been talk to them year ago to reduce rates, they tell me , I can release the loan. but with penalty 4k.  now my loan is due. when I want re-finance, they want give me 5.79% for 3 years. can they be trust again, is any one wish AIMS

simplyjean

不喜欢AIMs, 太阴了。。谁知道以后耍什么招。。我们太被动。。

shirleyhelj

为什么要fixed 呀，是投资房么？如果是自住的个人不喜欢fixed,因为要还principal and interest,还不能还太多太快。

现在利率还在降，过一段fixed rate估计还会低的。

可以考虑split loan.