为什么没有人用 Kiwi Bank ？

z-score

What's the term of investment and what is the minimum investment amount?

huanAK

6 month, min 10,000,

the term say interest rate will calculate by maturity or similar xxxx, don't understand what it mean, sound like normal

z-score

原帖由 huanAK 于 2008-5-27 09:16 发表
6 month, min 10,000,

the term say interest rate will calculate by maturity or similar xxxx, don't understand what it mean, sound like normal

Yeah, I've seen that before from ASB, does it mean it is not compound interest, it's only simple interst? Not sure, maybe someone who does finance can tell us.

huanAK

you are wise man,  not brick for you, but flower !!

z-score

Yeah, no way for a brick. Very stimulating information. Cheers.

taomibaobao

还是我来说一下吧。。


最近我买的房子所以就跟kiwibank打上交道。。没有错。。他们没有固定的银行点（不过邮局够平均的了）。。感觉好像很不方便。。不过用过之后我觉得他们还不错


原因1， 我上班的关系， 用email跟电话联系我比较方便。

原因2， 正是因为他们没正式的银行网点，所以 我一直是固定开我账户的人联系的。。。
一直就是那个华人， 所以一找就找到了。。。反而更加容易沟通， 现在成为我的朋友了的感觉。。从来没有见过面。。。


我一直用asb，觉得他们也不错， 不过现在这世道去不去银行不重要了。。网上什么都能做。。。

建议是， 找到其他银行 最低的 利率， 直接去kiwibank看看有没有更低的。。。

一旦联系上一切都简单。。。

[ 本帖最后由 taomibaobao 于 2008-5-27 10:23 编辑 ]

deliciousegg

找broker啦。。。。我通过broker找的ASB，给了0.3%的discount啊，还有免律师费，每个月rebate $20的bank fees.
貌似利息都差不多。。。。。。

吃菜的小猪

作national 的vip目前只发现一个好处，没有transaction fee，直接从银行开支票不用那5刀的费用。。。。其他的还有待发掘~~~~

^Zero^

毕竟和邮局搞一起，服务肯定比不上其他大银行

不过从我来这边六年KIWIBANK是我一直在用的。也不是说很好吧，只是说从来不收我任何费用而已。我也不知道为什么，所以我就一直用着了。

vicentyang

原帖由 ^Zero^ 于 2008-5-27 18:07 发表
毕竟和邮局搞一起，服务肯定比不上其他大银行

不过从我来这边六年KIWIBANK是我一直在用的。也不是说很好吧，只是说从来不收我任何费用而已。我也不知道为什么，所以我就一直用着了。

6年前就有kiwibank了么？看来你都是第一批用户了。。。哈哈

一切很美～

"'make yourself a 'big customer' to the bank, then you can bargaining for more benefit & services.'

严重同意...

贷款利息可以跟他们商量的...只要你贷的多....我们家用ASB的.都挺便宜的

huanAK

我用ASB的贷款有5年了，看到上面的 deliciousegg 通过broker拿到 0.3% discount，真的很生气，谁来教我怎么去漫天要价呢。   


很美，你那个便宜是比表面低多少的？  

还有花花，ASB有没有给你discount 呢？




edit： 不是3%，改回0.3%

[ 本帖最后由 huanAK 于 2008-5-27 21:44 编辑 ]

一切很美～

一般可以拿到比ASB公布的利率低0.3-0.5%左右....

"deliciousegg 通过broker拿到 3% discount"
这个不可能吧..............3%?
说错了吧....0.3%差不多.......

一共也就9-10%, 如果有3% OFF,  难道现在才6-7%...??!!

谁能贷到...也帮我贷一下吧........


我们家用ASB和WESTPAC的....其实银行不重要...
找到好的经理, 可以拿到便宜的利率最重要.

huanAK

果然太急容易出错误，改回0.3%了， 晕啊，最高上限可高达0.5%，直接跟他们要0.5%会不会被骂的？ 这其中的内幕还真不少

sunmarty

use ANZ and National for more than 7 years....don't want to change.....as they still a big bank...KIWI BANK just too small for it!!

kirstens

about customer satisfaction, TSB is the best, and Kiwibank is the second. don't know why...

sunmarty

原帖由 kirstens 于 2008-5-28 10:46 发表
about customer satisfaction, TSB is the best, and Kiwibank is the second. don't know why...

TSB just not a bank....so if they are gone off the market...no one will pay the money back to you..thats why they don't have lots people there...!

z-score

TSB不是一个银行？

huanAK

a quick view on how bank make money :


TSH Bank's statement 2007 :

Assets :
Cash = 16m
investment = 902.9m
Loans = 1925.5m (1725.7m are residential Mortgages)
Receiveables = 12.5m


Liabilities :
Deposited = 2592.4m
Account Payables = 45.8m


Interest Income Received = 218m
Interest Expense Paid = 139m
----------------------------
Net Interest Income = 79.0m
Other Income = 11.25m
=========================
Net Operation Income = 90.22M



==============================

kirstens

Bank or not, I don't think that matters. There are many financial institutions and many banks. For small banks, I don't know about kiwibank, but I would say, I don't like HSBC, not because of the banking policy; it's just, their service sux, not customer focused.

[ 本帖最后由 kirstens 于 2008-5-28 15:00 编辑 ]

z-score

原帖由 kirstens 于 2008-5-28 14:49 发表
but I was talking about customer satisfaction. according to the survey, people are quite satisfied with kiwibank. the survey is not only about banks but many financial institutions as well. but t ...

这点我同意，我也看过这样的survey.

kirstens

you were probably reading our reports...

z-score

你们是哪里？我是从STATS108考题里面看到的。

AC Nielsen?

kirstens

never mind.
Is UoA a client of Nielsen?

deliciousegg

原帖由 huanAK 于 2008-5-27 21:43 发表
果然太急容易出错误，改回0.3%了， 晕啊，最高上限可高达0.5%，直接跟他们要0.5%会不会被骂的？ 这其中的内幕还真不少

直接杀价啦，大不了不肯咯。。。他们抓一个客户就有回扣，肯定会尽力帮忙谈的。

z-score

原帖由 kirstens 于 2008-5-28 15:06 发表
never mind.
Is UoA a client of Nielsen?

Don't think so.

I think I also heard it from Colmar Brunton.

weiweifish

I have online call a/c of Kiwibank, pretty good interest rate, 8.3%, better than ASB Fastsaver (8.0%)

I've set up a nominated a/c between Kiwibank and ASB, only took one day to transfer funds between them.

^Zero^

原帖由 vicentyang 于 2008-5-27 18:20 发表


6年前就有kiwibank了么？看来你都是第一批用户了。。。哈哈

对啊。2001还是2002年开的吧 KIWIBANK，反正是我读预科的时候ECON的老师推荐的，说不错，于是就去开了，用到现在，真的算是第一批用户，前段时间还寄来个小徽章，loyal customer。