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标题: 最近买房的朋友，都去哪家银行贷款呢 [打印本页]

作者: Jan90 时间: 2012-4-25 11:56:41 标题: 最近买房的朋友，都去哪家银行贷款呢

本帖最后由阿海于 2012-9-9 23:17 编辑

听说每家银行计算利息的方法都不一样，有没有哪位高人知道都怎么不一样呢？

作者: John.G 时间: 2012-4-25 12:29:38

增加个围观吧

作者: Anonymous 时间: 2012-4-25 14:40:50

不增加看结果选项有很大可能影响调查结果的准确性

作者: John.G 时间: 2012-4-25 15:12:09

Anonymous 发表于 2012-4-25 13:40
不增加看结果选项有很大可能影响调查结果的准确性

94........

作者: Ginkgo 时间: 2012-4-25 16:15:17

一般那家给的条件好就选那家。

作者: mojo76 时间: 2012-4-25 17:33:51

Change my loan provider to Westpac couple months ago
Reason: discount for NZICA member

作者: Jan90 时间: 2012-4-25 17:52:11

mojo76 发表于 2012-4-25 16:33
Change my loan provider to Westpac couple months ago
Reason: discount for NZICA member

ASB n National also offer the same rate to NZICA memeber....

作者: mojo76 时间: 2012-4-25 22:13:26

Jan90 发表于 2012-4-25 16:52
ASB n National also offer the same rate to NZICA memeber....

O... They didn't offer a good rate couple months ago.

作者: avaxes 时间: 2012-4-26 00:45:36

mojo76 发表于 2012-4-25 21:13
O... They didn't offer a good rate couple months ago.

You have to ask.

作者: mojo76 时间: 2012-4-26 20:20:41

avaxes 发表于 2012-4-25 23:45
You have to ask.

We did ask.

作者: avaxes 时间: 2012-4-26 20:51:53

mojo76 发表于 2012-4-26 19:20
We did ask.

Hmmm... what can I say... the personal banker was not experienced enough I suppose?

My understanding of the current pricing structure is that customer/business won't be lost on pricing.
So if you did disclose the kind of pricing you could get in Westpac, and they still did not try to match or better it, then there are only two possibilities:
a. the personal banker is really inexperienced.
b. there are certain high-risk concerns about you that they know about but Westpac doesn't

作者: mojo76 时间: 2012-4-26 22:01:58

avaxes 发表于 2012-4-26 19:51
Hmmm... what can I say... the personal banker was not experienced enough I suppose?

My underst ...

the original provider couldn't match the rate that offered by Westpac, we had no idea why.
The Westpac mobile banker showed up quickly and said he could lend us 100k which we don't need.

Anyway, we are happy with Westpac's offer and it didn't cost us any money to change the loan provider.
PS. I like the westpac revolving account.

作者: avaxes 时间: 2012-4-26 22:51:08

本帖最后由 avaxes 于 2012-4-28 02:20 编辑

mojo76 发表于 2012-4-26 21:01
the original provider couldn't match the rate that offered by Westpac, we had no idea why.
The W ...

Revolving account... the business one or personal one? (personal one is called Everyday Floating I think, need to get into office to confirm)

作者: mojo76 时间: 2012-4-26 23:08:56

personal.
yes, it is floating.

作者: aABeMn 时间: 2012-4-28 23:00:50

Did you get the offer from westpac while you were restructuring with your previous bank?

作者: ZFGG2012 时间: 2012-4-29 23:13:09

本帖最后由 ZFGG2012 于 2012-4-29 22:13 编辑

mojo76 发表于 2012-4-25 16:33
Change my loan provider to Westpac couple months ago
Reason: discount for NZICA member

能告诉一下你这个ｄｉｓｃｏｕｎｔ是多少呢？ＦＬＯＡＴＩＮＧ　ＲＡＴＥ　ＡＮＤ　ＦＩＸ　ＲＡＴＥ各是多少呢？谢谢

作者: mojo76 时间: 2012-4-29 23:23:55

aABeMn 发表于 2012-4-28 22:00
Did you get the offer from westpac while you were restructuring with your previous bank?

No.
The fix term was going to finish, then we contacted different banks to get a better deal.

作者: qazmlp 时间: 2012-5-2 19:38:40

作者: 狗剩 时间: 2012-5-3 01:06:19

mojo76 发表于 2012-4-25 16:33
Change my loan provider to Westpac couple months ago
Reason: discount for NZICA member

他们给你们多少能分享一下吗？

作者: denny620 时间: 2012-5-8 12:11:02

what is the current rate the bank can offer floating 5.1%?

作者: 假装多好 时间: 2012-5-15 18:12:22

asb 开始绝地反击了，哈哈。大家最好比较asb 和 anz 再决定啊。

作者: micro 时间: 2012-5-16 22:45:32

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作者: yax 时间: 2012-5-18 23:30:41

micro 发表于 2012-5-16 21:45
我现在才知道，把HOME LOAN从一家银行转去另一家银行要收ADMIN FEE $100大元啊！这个能不能claim回的？因 ...

刚从westpac 转出来，一开始说补偿金是差点1000刀，到交割那天暴长了600刀。前后5天时间就多出那么多实在难以接受。所以坚决的和他家断绝干系。

作者: micro 时间: 2012-5-19 17:55:55

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作者: pandamm 时间: 2012-5-26 22:09:25

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作者: 狗剩 时间: 2012-5-27 16:18:20

pandamm 发表于 2012-5-26 21:09
有首付的就去kiwibank
没有的话就anz吧

Kiwi bank rate 多少？

作者: pandamm 时间: 2012-5-27 17:51:12

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作者: ivy313 时间: 2012-5-29 11:13:54

我最近找的bnz觉得谈的还可以有个产品off set的特别好用省了挺多利息

作者: charles160 时间: 2012-6-9 23:24:52

不知道PART TIME能贷款吗

作者: unamed 时间: 2012-6-19 22:11:48

pandamm 发表于 2012-5-27 16:51
4.99%还可以谈

請問是floating, offset還是fixed? 還有,金額是多少啊?

作者: 创可贴 时间: 2012-7-6 00:31:19

anz 5 floating...............

作者: SugHon 时间: 2012-7-20 17:37:11

micro 发表于 2012-5-16 21:45
我现在才知道，把HOME LOAN从一家银行转去另一家银行要收ADMIN FEE $100大元啊！这个能不能claim回的？因 ...

$100 ADMIN FEE 应该是 release security property 的费用

每家银行都有~ $100已经算便宜的了~！

作者: Jan90 时间: 2012-8-23 12:53:12

创可贴发表于 2012-7-5 23:31
anz 5 floating...............

好低啊，是因为你是NZICA member吗?

作者: xinsuim 时间: 2012-9-4 00:22:35

Jan90 发表于 2012-8-23 11:53
好低啊，是因为你是NZICA member吗?

请问什么是nzica member

作者: rao2001 时间: 2012-9-4 08:39:50

本帖最后由 rao2001 于 2012-9-4 07:40 编辑

刚入westpac, 拿了3700，再加250的被介绍费。
5.05 2年定。
谁要这个额外的250，找我，一起拿：-）

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