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....

[ 本帖最后由 shanshan210 于 2011-2-28 22:12 编辑 ]

ATO

7.24?好快的刀阿

小老虎

CBA  最近抢Loan 很厉害

乐天

CBA对老的客户有什么优惠啊？
前两天接到他们的电话，问我有没有计划再买房，重新贷款可以优惠。

tition

很吸引人啊，就是没有offset account

louisaxu

顶一下