最近买房的朋友，都去哪家银行贷款呢

Jan90

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？

rao2001

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：-）

xinsuim

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

Jan90

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?

SugHon

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~！

创可贴

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

unamed

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?

charles160

不知道PART TIME能贷款吗

ivy313

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

狗剩

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？

yax

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。

假装多好

asb 开始绝地反击了，哈哈。大家最好比较asb 和 anz 再决定啊。

denny620

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

狗剩

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？

qazmlp

mojo76

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.

ZFGG2012

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

aABeMn

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

mojo76

personal.
yes, it is floating.

avaxes

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)

mojo76

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.

avaxes

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

mojo76

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

We did ask.

avaxes

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

You have to ask.

mojo76

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.

Jan90

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....