再问个NAB Home Loan, 关于 Split Loan 和 Interest Only.

wyllyw

今天发了EMAIL去NAB的贷款顾问，问了关于Split Loan 和 有关只付 Interest Only 的事情，粗体部分是我的问题：

1. Can I apply for split loan at this stage, like 40% fixed, 60% variable like Westpac does?

Under the choice package we can split you loan into two portions, this will be covered under your annual package fee.

The fixed rate loan has a couple of other fees -

If you pay it out you will also have a prepayment fee of $360 on top of the $900 early exit fee.

Please note that the rate discretion approved above the for the tailored choice package variable rate 100% offset loan only for $300K.
If you choose to split the loan this rate discretion may not apply.   


2. Can I pay my home loan with 'interest only'; because I may transfer this residential  property into investment property  after 4-5 years.

You are eligible to have an interest only loan, but again as the product would change the approved rate discretion above（5.75%) may not apply.
Your loan can be converted at a later date when the property becomes investment, in which then you would need to renegoiate your rate discretion.
In the meantime it would allow you to build equity in the property for future lending. I do recommend that you speak to your accountant in regards to the taxation implication and a financial planner in regards to your plans in the future.

还请高手给参考一下，我的理解是Split Loan 不适合贷款30万左右的，而且 只付 Interest Only 的话，你的利率可能会相对高一点(银行给我的是折后5.75%）,还请高手帮忙解答一下！

[ 本帖最后由 wyllyw 于 2009-12-31 17:59 编辑 ]

angelo822cn

这么说吧， 申请什么样的贷款时看你自身的经济条件， NAB 给你的答复和INTEREST RATE 是根据银行的POLICY 和不同贷款的RISK PROFILE 来的， SPLIT LOAN 可以贷款30万左右， 没有什么不适合的， 大家SPLIT LOAN 也只不过是为了DIVERSIFY RISK， 关于INTEREST RATE ONLY 的利息高一点， 主要是因为银行会有RISK 以后RETRIVE PRINCIPLE OF THE LOAN, 因为毕竟这个LOAN AGREEMENT 是没有要求你复本金的， 而且看答复的意思NAB 不知道你的贷款时用来买INVESTMENT PROPERTY 还是RESIDENTIAL, 这个很重要因为涉及到了TAX 的问题。 再多一点， NAB 应该还会有一个EARLY EXIT FEE 也就是ECNOMIC COST 如果你PAY OUT EARLY.. 这个我记得是四年， 如果多 比较一下INTERTEST RATE 和服务的话相对我觉得NAB 的子公司 HOMESIDE 的服务会相对好一些。 我以前是在NAB 的 HOME LOAN Customer service 做的。 客户的投诉很多。如果你是要申请类似CHOICE PACKAGE 的话HOMESIDE 有个HOME PLUS PACKAGE 也有同样的BENEFIT.

PS: 我不是BROKER, 也不是做广告的