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标题: CBA 3.99% fixed rate, 1500 cashback until 6月2016 [打印本页]

作者: KYLIE2008 时间: 26-11-2014 22:00
标题: CBA 3.99% fixed rate, 1500 cashback until 6月2016
本帖最后由 KYLIE2008 于 8-5-2016 16:54 编辑

1.04m 4.23% ——NAB 的贷款问题，我愿意提供帮助，继续更新中。。。。

纪念一下，今天我成为了NAB银行的买办

今天， Nab 的approval 下来了， 1m+ 4.48%的浮动利率， 1000 new loan bonus, offset account, free package fee.

更重要的是banker 帮我申请的买办资格也approval 了。从今天起，我的第二职业，NAB的买办。帮大家申请NAB的贷款。

欢迎大家咨询有关NAB的贷款业务。
我将尽力回答，或反馈给我的banker来解释

这是my email
k.lee1119@gmail.com
or
k_lee1119@hotmail.com

大家有问题，可以跟帖，短信， email
我会24小时内回帖的
谢谢大家支持

作者: KYLIE2008 时间: 26-11-2014 22:03
本帖最后由 KYLIE2008 于 27-11-2014 22:24 编辑

首先介绍一下什么是买办
就是bank 的introducer，拿commission的，0.4%贷款额

他的口号是lower rate (in big 4 bank) + cash back + a very good efficient banker

目前 NAB的利率是4大银行最低

通常50万以上，4.53%浮动 offset account, 1000cash back, half commission as bonus

通常100万以上，4.48%浮动 offset account, 1000cash back, half commission as bonus

这是通常情况下，具体问题可以提问

作者: KYLIE2008 时间: 26-11-2014 22:03
本帖最后由 KYLIE2008 于 27-11-2014 22:43 编辑

若何认识的这个banker呐？

话说是我的前任banker认为我是风险大户，在我买大房的过程中，不给我办贷款，要求我先卖房再买房。
我不得已求助broker，一个非常负责人的人。但要我取消两张信用卡，并且利率只有4.63%。由于买房心切，并看好一套我的dream house. 我不得不答应任何条件.

11月初的一天，我来到我公司旁边最近的NAB branch，要求取消信用卡。前台女孩子说，为什么不与我们的贷款经理谈一下呐？不行再取消。。。我一听，谈一下也无妨

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
省略1000字

谈的过程里，他说到国人的潜在市场，而且对自己不懂中文极度遗憾，并说可以比华人经理做的更好，建议我加入组织

http://www.freeoz.org/ibbs/thread-1163806-1-1.html

作者: KYLIE2008 时间: 26-11-2014 22:03
本帖最后由 KYLIE2008 于 2-12-2014 23:22 编辑

我们家第一个房子是2005年买的，当时，两个人都上班，对贷款没认识，也没时间办贷款。说到底是对市场不够了解，自信心不足。
所以第一个房子的贷款，是委托broker办的，在紧张中度过，当时的broker也比较负责，remember that was citi bank 最后还给了我们750 cash back to make up the settlements fee.

但是由于我们的贷款额不多，所以利率并不是太好，不过平安无事就是成功！

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

记得利率当时是7.7%好像，variable 还是蜜月期。。。然后利率斜线上升，好像还有9.几的时候
只有两年, 后来还是这个broker 帮我们refinance, 转到st George .
我比较恋旧。。对这个broker的认识一直挺好。也比较诚信，但由于她是给公司打工，很多时候要催的。

我对金钱概念一直比较模糊，所以利率方面的事以前关注不够

直到买投资房，我才对利率对还款的影响有了较深刻的认识。

这时是2011年

作者: KYLIE2008 时间: 26-11-2014 22:11
先把一些表格整完，改日讲讲我的borker & banker的故事

作者: huluhzl 时间: 26-11-2014 23:09
楼主是哪里的？是不是以后有啥房屋贷款的都可以找楼主了，还能给点优惠利率啥的

作者: 游兵 时间: 26-11-2014 23:16
只要ＬＺ能ＭＡＴＣＨ你的ＲＡＴＥ，我们无论身在澳洲何方，一定飞来和你成交！！！

作者: true 时间: 26-11-2014 23:32
什么是买办？broker吗？

作者: KYLIE2008 时间: 27-11-2014 00:11
不是match, 是优惠+诱惑了

不是broker

作者: 语之玫瑰 时间: 27-11-2014 11:40
买办是中间人的意思么？

作者: sjtuyan 时间: 27-11-2014 11:43
看大家的反应，觉得楼主有必要给大家解释一下买办是什么意思。
为了有助于在这里扩展生意，能介绍一下你能帮大家做什么事必然是有利无害的

作者: sjtuyan 时间: 27-11-2014 11:44
看大家的反应，觉得楼主有必要给大家解释一下买办是什么意思。
为了有助于在这里扩展生意，能介绍一下你能帮大家做什么事必然是有利无害的

作者: KYLIE2008 时间: 27-11-2014 12:49
晚上再给大家介绍。。用我的话说。。lower rate ,cash back, +a very good banker...

作者: KYLIE2008 时间: 27-11-2014 12:50
my banker said above, sorry I am not good phone user

作者: KYLIE2008 时间: 27-11-2014 22:25
更新在二楼

作者: 游兵 时间: 28-11-2014 02:17

KYLIE2008 发表于 27-11-2014 12:49
晚上再给大家介绍。。用我的话说。。lower rate ,cash back, +a very good banker...

兄台若能依此行事,不违初意,财源必如江水滚滚而来!!!

作者: KXGLP 时间: 30-11-2014 01:00
买办和broker的区别是？

作者: KYLIE2008 时间: 30-11-2014 19:55

KXGLP 发表于 30-11-2014 01:00
买办和broker的区别是？

我只对NAB的贷款客户，提供服务

broker就服务很多银行了，给客户多种选择

作者: KXGLP 时间: 1-12-2014 00:12

KYLIE2008 发表于 30-11-2014 19:55
我只对NAB的贷款客户，提供服务

broker就服务很多银行了，给客户多种选择

能不能这么理解，你们专门为NAB做事，像是专门NAB的broker

作者: KYLIE2008 时间: 1-12-2014 08:07
也可以这样认识，我是有专门banker support.

作者: 我爱猫眯 时间: 1-12-2014 08:17

KYLIE2008 发表于 1-12-2014 08:07
也可以这样认识，我是有专门banker support.

只服务悉尼人民吧

作者: 周星星1832 时间: 1-12-2014 09:46

作者: 紫雪舞 时间: 1-12-2014 10:06
买办什么意思....?

作者: 紫雪舞 时间: 1-12-2014 10:07
我朋友以前也是nab的.他跟我说nab的房贷利息是最低的

作者: jc2602 时间: 1-12-2014 10:21
楼主只做悉尼的吗？

作者: liveforlove 时间: 1-12-2014 10:47
楼主私信给我留个联系方式吧，我半年内需要办贷款，多谢多谢，

作者: KYLIE2008 时间: 1-12-2014 21:17
这是my email
k.lee1119@gmail.com
大家有问题，可以跟帖，短信， email
我会24小时内回帖的
谢谢大家支持

作者: mmcallen 时间: 1-12-2014 21:25
收藏了，需要时候找楼主

作者: jc2602 时间: 2-12-2014 01:56

KYLIE2008 发表于 1-12-2014 21:17
这是my email

大家有问题，可以跟帖，短信， email

正需要，请短我联系方式。

作者: KYLIE2008 时间: 5-12-2014 20:57
今天又有朋友咨询关于海外资金贷款的事
这里一并说明

Citizen and permanent residents are both treated the same，
- Visa grant approval
- Income details e.g to be translated to English
- Must be an Australian property held as security
~~~~~~~~~~~~
1 必须有合法签证或护照
2 至少两份工资单和雇主信，要翻译成英文
3 购买的物业在澳洲，或已有的澳洲物业可作担保
正式批文还需签字的合同
~~~~~~~~~~~~~~~~~~~~~~~~~
诚信第一，希望大家提供有效证件，避免一旦查询的信用损失

作者: 西澳海豚 时间: 6-12-2014 09:23
nab 不错阿！

当时买房贷款前做了一些功课，的确四大里面 nab 是最优惠的！

all the best --------------

作者: KYLIE2008 时间: 10-12-2014 22:00
Louis Armstrong - What A Wonderful World (Lyrics)

[youtube]A3yCcXgbKrE[/youtube]

作者: 狮子的眼睛 时间: 10-12-2014 22:14
刚和nab 谈了4.69 利率，免了5年年费。

作者: KYLIE2008 时间: 10-12-2014 23:46
如果50万以内，还是不错的利率。。你可以试一下要1000 cash back,这是银行统一的promotion,应该可以拿到。

作者: KYLIE2008 时间: 10-12-2014 23:48
很多时候，利率的高低和其他的bonus 取决于你的前期调研和谈判技巧，希望大家都有好成绩

作者: FreeJC 时间: 30-12-2014 16:10
恭喜LZ！正好有个相关问题。我现在用的是CBA fix+variable，fix合同快到期了，考虑换一家利息低的银行。请问LZ如果想转到nab怎么操作？比如需要提供什么材料，提前多长时间开始申请等等。Branch在City吗？

作者: 浮云云艾米莉 时间: 30-12-2014 21:33
Kylie你现在是broker了咩？？

帮朋友问个问题，如果credit report上出现了一个default debt, 但是是mistake, 在提交消除这个debt, 还有希望贷款么？能不能用买贷款保险之类的来mitigate risk?

作者: KYLIE2008 时间: 30-12-2014 23:14

浮云云艾米莉发表于 30-12-2014 21:33
Kylie你现在是broker了咩？？

帮朋友问个问题，如果credit report上出现了一个default debt, 但是是mist ...

我是Nab 的 introducer

相当于Nab 的broker
我觉得既然是 mistake 并消除了 debt，若有银行证明，应该可以正常贷款。
当然，具体的操作还要同银行谈

作者: KYLIE2008 时间: 30-12-2014 23:19

FreeJC 发表于 30-12-2014 16:10
恭喜LZ！正好有个相关问题。我现在用的是CBA fix+variable，fix合同快到期了，考虑换一家利息低的银行。请 ...

谢谢：）
两个星期就可以办好，但要提前谈
最近连续两个月的收入证明，出租房要rental report..

作者: FreeJC 时间: 31-12-2014 09:58

KYLIE2008 发表于 30-12-2014 23:19
谢谢：）
两个星期就可以办好，但要提前谈
最近连续两个月的收入证明，出租房要rental report..

贷款50W+，年费如何？请问任何一个branch都可以吗？

作者: KYLIE2008 时间: 1-1-2015 23:39

FreeJC 发表于 31-12-2014 09:58
贷款50W+，年费如何？请问任何一个branch都可以吗？

通常年费是$395
并不是任何一个银行经理都可以的，你要争取。
我的banker 可以给免掉这个费用，同时银行1000的cash back to cover your expense on settlement or others

作者: ellaloveb 时间: 2-1-2015 13:43
请问NAB贷款,贷款额30到50万之间,楼主可以给的浮动利率是多少?要offset account, 能免年费吗？多谢，新年快乐

作者: KYLIE2008 时间: 2-1-2015 15:57

ellaloveb 发表于 2-1-2015 13:43
请问NAB贷款,贷款额30到50万之间,楼主可以给的浮动利率是多少?要offset account, 能免年费吗？多谢，新年快 ...

不是我给啊

是你的努力争取啊

通常4.58~4.6%，免年费，（有时候是银行经理手动工作啊

）
没有明确政策，他只在显示器上tick一下，就免了

作者: ellaloveb 时间: 2-1-2015 16:22

KYLIE2008 发表于 2-1-2015 15:57
不是我给啊是你的努力争取啊
通常4.58~4.6%，免年费，（有时候是银行经理手动工作啊 ...

多谢

作者: KYLIE2008 时间: 2-1-2015 21:35
本帖最后由 KYLIE2008 于 2-1-2015 21:37 编辑

最近太忙了，卖房子，买房子，搬家。。。明天是我的holiday time坐邮轮去。。回来再给大家汇报

若有同学短信没有及时回复，或miss掉了，请多包涵

目前的利率没有变化
above 1.0m 4.48% 1.4% life time discount
500,000~1.0m 4.53%
under 500,000 4.58%
plus 1000 cash rebate, package fee free
plus commission share
(if you go straight with banker you can't get the commission share, so better to compare first)

最后祝大家新年新气象，芝麻开花节节高

HAPPY NEW YEAR

BTW 据说gmail 被黑，大家可以联系我的hotmail, or 跟帖留言短信，谢谢

作者: 月亮星座 时间: 3-1-2015 03:27
under 500,000 4.58% 有那么低? NAB最近的利率怎么这么好呢? 早些时候 (12月初) NAB居然不甩我这个老客户才减那么一点点, 我气愤得跑去找Suncorp了

作者: fanglei822 时间: 12-1-2015 14:28
hi KYLIE2008，恭喜你收获第二职业。我马上准备长登了，将来贷款需要你帮忙，你是哪个城市的呢？
我一直有个问题想搞清楚，我将来卖掉国内的房子作为澳洲房子的首付，如果这笔钱打到我NAB的卡上的时候，是否会被征收高额的税收？一直有这个疑惑，你知道的话请告诉我.....

作者: KYLIE2008 时间: 25-1-2015 12:54

fanglei822 发表于 12-1-2015 14:28
hi KYLIE2008，恭喜你收获第二职业。我马上准备长登了，将来贷款需要你帮忙，你是哪个城市的呢？
我一直有 ...

短信是否我们联系过？

一般不会有问题，但ATO对于大笔资金的进入都有可能询问。所以一定要保留所有的转账记录，合理理由是没有问题的。还有的直接说是父母赠与，都可免税

希望一切顺利

作者: KYLIE2008 时间: 25-1-2015 12:56
最近楼主太忙，新家刚安顿，旧屋下周二要settle，gym, 户外，还有我的第二职业。。不亦乐乎，若有慢待，还请包涵。希望大家互利互惠，都有收获

作者: KYLIE2008 时间: 25-1-2015 13:01
我的旧屋到现在还没有接到新屋主的final inspection request, settlement day will be next Tuesday. Although they didn't mention the final inspection, but we have our manner to clean up.
Show some pics about our apartment for the past almost 10 years, we lived here, lots of fun, happiness, and convenience.

[attach]345231[/attach]

[attach]345237[/attach]

[attach]345232[/attach]

[attach]345233[/attach]

[attach]345234[/attach]

[attach]345235[/attach]

[attach]345236[/attach]

作者: luk8 时间: 25-1-2015 13:52
I've few loans with CBA they offer me 5.9% - 1.0% (4.9%)for life.
My loans around $900K . If I switch to NAB for lower rate, how about the switching fee involved?
And what is the rate I would get? Thanks in advance.

作者: KYLIE2008 时间: 25-1-2015 17:15

luk8 发表于 25-1-2015 13:52
I've few loans with CBA they offer me 5.9% - 1.0% (4.9%)for life.
My loans around $900K . If I swit ...

the interest rate will be below 4.6% base on your loan amount (with offset account, no annual fee)
For the switch fee, you need to go to your current bank to get calculation, if it is fixed rate, the calculation result is different based on the date.

作者: luk8 时间: 25-1-2015 18:47
Thanks Kylie.

作者: KYLIE2008 时间: 2-2-2015 20:55
到此，我的买房卖房彻底结束

1月27日，在settlement的早上，买家不知动了哪根筋，想起要final inspection. 早上， agent 电话。老公说任何时候都可以，因为我们已经做了清洁。所以，无问题。下午顺利settled.

settle 之后，律师电话邮件第一时间congratulations....并给详细的银行数字。可惜我对此不敏感，我们家都是老公管钱。

晚上， check账号，结果钱没进账

小小的惊诧一下，不过相信不会有什么问题。。。

次日，钱款进了，没反应过来啦。。。两天后发现数额不对，想起 agent trust的deposit 还没清。。
再次日，进账了。。。不过也没有心情去check 一分一厘的不同

总之，一块石头落了地。。买卖结束

作者: jorsa 时间: 3-2-2015 15:55
一件大事办好了，恭喜

作者: hht333 时间: 3-2-2015 22:19
LZ海外收入证明现在有没有放松些，我刚在balwyn买的房子，你能帮我贷款吗

作者: voxhp 时间: 4-2-2015 13:40
楼主这个利率的蜜月期有多久？比较利率多少？

作者: hht333 时间: 4-2-2015 14:27
降息了，贷款利率是不是也要调

作者: KYLIE2008 时间: 6-2-2015 07:55
最近太忙，没有及时更新。nab 下调0.25。当前1m+ 4.23%. all discount will be life time.

作者: KYLIE2008 时间: 6-2-2015 08:00
本帖最后由 KYLIE2008 于 16-2-2015 22:52 编辑

大家若有急事咨询，留msg给我电话，我会中午电话给你。希望对大家有帮助。

作者: KYLIE2008 时间: 16-2-2015 22:15
本帖最后由 KYLIE2008 于 16-2-2015 22:45 编辑

楼主最近一直在忙碌中，感谢大家的支持。。互相帮助

若有没有及时回复的同学请多包涵，再给我msg or post here, thanks

for your reference

https://www.tomorrowfinance.com.au/special-offer/5374

https://www.tomorrowfinance.com.au/dream/5374

https://www.tomorrowfinance.com.au/big-4-fight/5374

作者: KYLIE2008 时间: 18-2-2015 21:24
本帖最后由 KYLIE2008 于 18-2-2015 21:26 编辑

除夕了，衷心的祝愿大家及全家人在新的一年里：
身体健康
万事如意
笑口常开
财源广进
心想事成
发“羊”财，走“羊”运，做人“羊”眉吐气；住“羊”房，开“羊”车，生活“羊羊”得意！！！

[attach]349728[/attach]

作者: KYLIE2008 时间: 25-2-2015 22:43
关于同银行谈贷款的时候，有几点需要注意（个人总结，大家参考，并欢迎补充）

1 interest rate ( 4.2~4.4%)
2 lifetime discount (1.3%~1.4%) 这是随利率调控变化的。(current bank rate 5.63% pa -1.3%=4.33%)
3 offset account
4 interest only (for investment property future tax return)
5 no annual fee (2 yrs package fee waived)
6 $1000 cash back (for refinance)

最近，与 Melbourne NAB 的贷款经理取得联系，为Melbourne同学的买房置业提供帮助。。
（这个经理可说中文）

作者: xxqqxx89 时间: 25-2-2015 23:29
我朋友新公司成立，想用公司账户给我打钱，做买房用。需要打多长时间，然后还要些什么材料，才能到NAB做pre approval呢？怎么才能说服银行这是permanent full time呢？

谢谢

作者: KYLIE2008 时间: 25-2-2015 23:44

xxqqxx89 发表于 25-2-2015 23:29
我朋友新公司成立，想用公司账户给我打钱，做买房用。需要打多长时间，然后还要些什么材料，才能到NAB做pre ...

让你朋友出公司证明，你是他们的permanent full time
提供你的两份工资单即可（参照前文提到的文件要求）

pre approval 根据你的工资收入来定大概数额

作者: KYLIE2008 时间: 6-3-2015 22:50
这是未来悉尼的轻轨，火车，交通枢纽的规划

未来的住宅建设将会沿着路轨的方向建设，各枢纽均为潜在的发展源

[attach]351930[/attach]

[attach]351931[/attach]

作者: retirement 时间: 6-3-2015 23:12
宇宙中心高大上啊。

作者: KYLIE2008 时间: 20-3-2015 23:46
The affordable housing solution that actually works
http://www.news.com.au/finance/r ... q3era-1227266239358

THERE’S no debate about whether Australia is an expensive place to live — it is.

Our capital cities, especially Sydney and Melbourne, rank among the world’s priciest cities for cost-of-living while low income Australians and young people are being priced out of a booming real estate market.

So for the many who can’t afford to buy their own home, the other choice is to rent. But rental prices are becoming prohibitively expensive for anyone who wants to live within a reasonable distance to work. They’re also stuck in the cycle of paying high rents which hinders their ability to save for a home deposit, the amount of which is increasing as property prices rise.

Housing stress is officially classified as anyone who spends more than 30 per cent of their income on housing, whether that is on rent or mortgage payments.

So what’s the solution?

Affordable housing projects are being touted as something that are making inroads, albeit small, into the housing affordability crisis.

One of the newest additions is The Platform apartments in Eveleigh, Sydney, right on the doorstep of Carriageworks. The 88-unit development was completed last month and is reserved for key workers in low and medium income households. The Platform was built by City West, a developer established to build affordable housing in the City of Sydney local government area.

The kitchens are brand, spanking new.

[attach]354558[/attach]

Key workers are being defined as people who hold a position that is essential to the city’s operations. But essentially, it’s pretty much a ‘normal’ job. City West chief executive Janelle Goulding said key workers can be a probationary police constable, a fireman or a cadet journalist. She said key workers in the new development include cleaners, childcare centre workers and retail workers.

The tenants get a discount on the market rent and don’t pay more than a percentage of their income on their rent, depending on how much they earn.

Tenants on a household income of less than $33,106 will not pay more than 25 per cent of their income on their rent. Those on between $33,107 and $55,436 won’t pay more than 27.5 per cent while those earning between $55,437 and $94,274 won’t pay more than 30 per cent.

While $94,274 sounds like a lot of money, Ms Goulding pointed out that in Sydney, a couple with kids wouldn’t get a lot of mileage out of that kind of money.

So what would you pay under this scheme?

For example, a couple and child family on a household income of $80,000 will pay around $460 a week for a two-bedroom apartment. Market rent for two-bedroom apartments in the area of a similar quality and floorplan typically go for between $650 and $800 a week.

These apartments aren’t the rundown commissions you might associate with affordable housing. They’re brand new with good light and airflow and have enviable kitchens and bathrooms. The complex has 39 car spots while every unit gets a bike locker.

The bathroom in a one-bedroom apartment.

[attach]354559[/attach]

Torunn Higgins and her partner, Toby Burvill, moved into The Platform just over a week ago with their newborn daughter, Ronja. Ms Higgins and Mr Burvill are both in their early 30s and have spent the past 10 years in nearby Redfern with the last three years in a sharehouse with three friends.

Even though they both have tertiary degrees, the couple don’t work in high-paying occupations. She is a designer and runs a small toys and homewares business, Herbert & Friends, while he works in a bookshop in Surry Hills and is also a radio presenter and musician.

Ms Burvill told news.com.au that the family is paying roughly half the market rent but that could change if their income changes.

Torunn and Toby moved in just over a week ago.

“Sydney has become increasingly unaffordable, particularly for lower-mid income brackets,” she said. “It’s breaking up communities as people are being priced-out and forced to move further away. It’s sad to see people displaced and areas that were once vibrant become homogenised. Initiatives such as this are amazing for keeping communities socially diverse and culturally rich.

“It’s pretty incredible that we can pay a capped portion of our income. With having a baby we couldn’t afford to stay in the area which is close to friends, family and work. I don’t think people are necessarily entitled to live close to work but it definitely makes a huge difference.”

Ms Goulding said affordable housing is very different from social housing. “We try to keep people in housing to keep them employed. We effectively keep them out of the social housing system. That’s really the difference for us. It’s really people who can’t afford to pay the sorts of rents demanded in the area.

The shared area out the back of the apartments. There’s also a roof terrace.

“Housing affordability is a growing problem and rents are becoming more and more expensive and people are being forced to move further and further away from the city. One of the people housed here is a woman that was travelling down from Gosford every day to maintain a low income role.”

However, as great as The Platform apartments are, the problem is being able to scale these sorts of projects. In 20 years, City West has built hundreds of units with another 500 units in development right now. But that makes little difference to the tens of thousands other families who are in housing stress.

Ms Goulding said: “I think we could probably double the quota of what we’ve got now without making a dent in Sydney.”

The Platform apartments were partly funded out the federal government’s Affordable Housing Fund and the National Rental Affordability Scheme. The NSW government, in its election campaign, also announced it had signed a memorandum of understanding with infrastructure bodies to try and fund a $1 billion social and affordable housing fund.

The apartments have cross-ventilation.

The apartments have cross-ventilation. Source: Supplied

Should there be more government action on providing affordable housing around the country?

In London, it’s mandated that 35 per cent of new developments be given to affordable housing, while in Amsterdam, nearly half of housing is social rented housing with 30 per cent of new builds to be social housing.

The highest rate in Sydney is a 2 per cent mandate in the City of Sydney. The new Lend Lease Barangaroo development in the CBD is to dedicate 2.3 per cent of its residential floors to affordable housing but the developer is, according to a Fairfax report, was in talks with other groups to build those units away from the ritzy and valuable development. However, Lend Lease denies this is the case and said it is still committed to building the 2.3 per cent affordable housing within the Barangaroo development.

However, Ms Goulding believes there are other ways to think about affordable housing in the long term. She floated more private investment, shared equity schemes and sale-and-lease programs as ideas that could also work.

“I think everyone has to think outside of the square for affordable housing. There are a lot of changes that are necessary. It’s demand and supply and there’s a supply problem although the state government is moving in the right direction in freeing up more land.

“I think we now have enough interest from the government and they’ll be a group of like-minded people who will contribute to that. You’ll see a lot of changes and more innovative thinking.”

What do you think? What kind of affordable housing options would you like there to be more of? Let us know in the comments below.

作者: KYLIE2008 时间: 31-3-2015 22:47
最近NAB调整了他的pricing system
所以优惠利率比以前有小上调
1m+ 4.28%~4.35%
1.5m+ 4.25~4.28%
2m+ 4.23%左右
其他不变

作者: KYLIE2008 时间: 10-4-2015 00:38
有同学成功贷款，但贷款名字和我记录的名字不同，若你是其中一位，别忘settlement 之后同我联系

作者: retirement 时间: 14-4-2015 22:38
好奇的问下，楼主是否只能做维州。总感觉东边的利息普遍低于西澳。。。。。。。。。

作者: KYLIE2008 时间: 14-4-2015 22:51

retirement 发表于 14-4-2015 21:38
好奇的问下，楼主是否只能做维州。总感觉东边的利息普遍低于西澳。。。。。。。。。

不是啊，我悉尼做的好，因为悉尼的利率好
vic 那边的利率要比悉尼高一点

作者: retirement 时间: 14-4-2015 23:01

KYLIE2008 发表于 14-4-2015 21:51
不是啊，我悉尼做的好，因为悉尼的利率好
vic 那边的利率要比悉尼高一点

很奇怪为啥不同地区利率不同，是因为竞争的关系？能否问下要是西澳只能拿到多少？

作者: catherinechen 时间: 15-4-2015 14:47
I have noticed my interest Rate is higher than sydney. ( NAB, variable, Brisbane).
I even asked very experienced broker, he though I have very good rate from NAB, suggest me stick with NAB.

作者: KYLIE2008 时间: 18-4-2015 13:15

retirement 发表于 14-4-2015 22:01
很奇怪为啥不同地区利率不同，是因为竞争的关系？能否问下要是西澳只能拿到多少？

不好意思，最近比较忙，没有及时回帖

是，各地区不同，目前接触的Vic 和 Brisbane , GC的利率都不如悉尼好。现在西澳我都是给出建议，需要的话我可以推荐banker，但利率就不如悉尼这样有竞争力了

若方便的话，本地办理
若就想降低利率的话，不得不来悉尼，因为银行的规矩，一定要面见客户

作者: KYLIE2008 时间: 18-4-2015 13:18

catherinechen 发表于 15-4-2015 13:47
I have noticed my interest Rate is higher than sydney. ( NAB, variable, Brisbane).
I even asked ve ...

从各银行的利率比较来看， nab 是最有竞争力的。这是总体水平

目前， nab 本身的区域竞争也很激烈，这就是为什么 VIC complain about NSW in their very aggressive rate

作者: KYLIE2008 时间: 18-4-2015 13:21
昨天，与银行update 最新指导利率，重回

1.0m + 4.23%
(condition applys)
life time discount variable rate
plus $1000 for refinance clients over $300,000
two years annual fee waived

以上供大家参考

作者: paultse 时间: 18-4-2015 19:26

KYLIE2008 发表于 18-4-2015 12:21
昨天，与银行update 最新指导利率，重回

1.0m + 4.23%

也是通过楼主介绍的，在VIC，根本就办不到这个，差远了。如果做得到，或者至少接近的话，早就签了。都是宣传的好，实际就。。。

作者: KYLIE2008 时间: 18-4-2015 19:35

paultse 发表于 18-4-2015 18:26
也是通过楼主介绍的，在VIC，根本就办不到这个，差远了。如果做得到，或者至少接近的话，早就签了。都是 ...

安慰一下， VIC的确做不到，只是一个指导

所以我说NSW做的好。。。因为NSW 更有竞争力的rate, 也是为什么有的同学宁可到 NSW 来签合同
若给你带来不便，抱歉了

作者: KYLIE2008 时间: 18-4-2015 19:39
还有办妥的同学一定要记得同我update 你的真实名字，否则会延长时间或出现commission 方面的失误

如楼上同学所说，你一定要自己比较选择，不要只听楼主一家之言，选到你满意的rate再做决定

作者: KYLIE2008 时间: 28-4-2015 23:55
楼主最近太忙。。
最近新开发了CBA在mel 的业务，有需要的同学也可以咨询我
觉得CBA 的业务比较均衡，悉尼和mel 利率相同，这样一来， CBA 就可以在利率上与NAB 竞争，在悉尼， NAB 的利率优势是绝对的。。。
目前两家银行对refiniance的客户都有$1000的rebate

作者: KYLIE2008 时间: 5-5-2015 23:08
The Reserve Bank cut rates to new record low of 2.00%.

http://www.rba.gov.au/media-releases/2015/mr-15-08.html
Statement by Glenn Stevens, Governor: Monetary Policy Decision

At its meeting today, the Board decided to lower the cash rate by 25 basis points to 2.0 per cent, effective 6 May 2015.

The global economy is expanding at a moderate pace, but commodity prices have declined over the past year, in some cases sharply. These trends appear largely to reflect increased supply, including from Australia. Australia's terms of trade are falling nonetheless.

The Federal Reserve is expected to start increasing its policy rate later this year, but some other major central banks are stepping up the pace of unconventional policy measures. Hence, financial conditions remain very accommodative globally, with long-term borrowing rates for sovereigns and creditworthy private borrowers remarkably low.

In Australia, the available information suggests improved trends in household demand over the past six months and stronger growth in employment. Looking ahead, the key drag on private demand is likely to be weakness in business capital expenditure in both the mining and non-mining sectors over the coming year. Public spending is also scheduled to be subdued. The economy is therefore likely to be operating with a degree of spare capacity for some time yet. Inflation is forecast to remain consistent with the target over the next one to two years, even with a lower exchange rate.

Low interest rates are acting to support borrowing and spending, and credit is recording moderate growth overall, with stronger lending to businesses of late. Growth in lending to the housing market has been steady over recent months. Dwelling prices continue to rise strongly in Sydney, though trends have been more varied in a number of other cities. The Bank is working with other regulators to assess and contain risks that may arise from the housing market. In other asset markets, prices for equities and commercial property have been supported by lower long-term interest rates.

The Australian dollar has declined noticeably against a rising US dollar over the past year, though less so against a basket of currencies. Further depreciation seems both likely and necessary, particularly given the significant declines in key commodity prices.

At today's meeting, the Board judged that the inflation outlook provided the opportunity for monetary policy to be eased further, so as to reinforce recent encouraging trends in household demand.

作者: 三线忘淮 时间: 6-5-2015 18:41
楼主可以帮帮西澳人民吗？我给你短信了，没回呀？

作者: KYLIE2008 时间: 6-5-2015 23:22

三线忘淮发表于 6-5-2015 17:41
楼主可以帮帮西澳人民吗？我给你短信了，没回呀？

短信已回
非常希望能帮助西澳人民得到最好的deal

作者: KYLIE2008 时间: 7-5-2015 00:02
NAB & CBA 没有全额跟进 0.2% rate cute

目前
cba $500,000+ 4.25%
nab $500,000+ 4.2%

作者: 三线忘淮 时间: 7-5-2015 02:24
今天收到信了，说是给我4.75，是我快到期的银行westpac，看来还是换银行会好些，要换其他家的话，旧银行会收我钱吗？

作者: KYLIE2008 时间: 7-5-2015 22:22

三线忘淮发表于 7-5-2015 01:24
今天收到信了，说是给我4.75，是我快到期的银行westpac，看来还是换银行会好些，要换其他家的话，旧银行会 ...

discharge fee是一定要收的，大概400多，各银行都一样

换间银行，利率会下来，一般银行会offer cash back to cover your fee from changing bank
先多了解一下再说

作者: 三线忘淮 时间: 8-5-2015 13:47
谢谢楼上

作者: 三线忘淮 时间: 8-5-2015 14:15
楼主，再麻烦你一下，可以有推荐的banker 吗？我在西澳啊？不想跑一趟悉尼。更何况一趟都不知道能否搞定呢。谢啦！

作者: KYLIE2008 时间: 8-5-2015 23:28

三线忘淮发表于 8-5-2015 13:15
楼主，再麻烦你一下，可以有推荐的banker 吗？我在西澳啊？不想跑一趟悉尼。更何况一趟都不知道能否搞定呢 ...

你可以给我留个电话吗？我到 nab 西澳分行帮你找找，你比较一下利率，看看有什么差距。
合适的话就继续，都不受影响

另最近外地客户email可以签悉尼合同，有条件限制

作者: KYLIE2008 时间: 11-5-2015 23:15
2015.05.11
记录一下，加入CBA 真如重新找工作。。。

幸好有mel 贵人相扶

希望能有所发展

作者: zhaocaimao 时间: 16-5-2015 16:05
LZ能短我微信号吗？需要在悉尼贷款

作者: KYLIE2008 时间: 16-5-2015 21:27

zhaocaimao 发表于 16-5-2015 15:05
LZ能短我微信号吗？需要在悉尼贷款

已短， check you msg box

作者: clayland 时间: 31-5-2015 17:31
请短微信号，刚签了购房合同，急需贷款

作者: KYLIE2008 时间: 1-6-2015 22:59
记录一下最近的工作

由于Mel CBA的 banker 的大力帮忙，为转贷CBA的同学提供了比较好的利率，同时获得refinance的 cashback..并建立了MEL 的 CBA根据地。
由于NAB的 mel rate 非常不给力，所以加大了CBA 的竞争力。

对于大额贷款， NAB 仍可提供非常有竞争力的rate..
但与CBA的差距缩小，由于MEL 的banker的引荐，结识悉尼 cba 最佳前三的loan manager..

目前对于自住房的homeloan 1m+ interest rate, generally 仍可做到4.1%~4.15% 但case by case 可能略有不同
欢迎大家比较

另NAB banker 介绍说，由于锁紧投资房的贷款，商业贷款会获得意想不到的低利率

作者: KYLIE2008 时间: 2-6-2015 22:11
今天surprise...

56万就可以4.15% CBA
电话交流了一下，目前 CBA 自住50万以上就可以4.15%，同时多个loan 捆绑申请，仍可按自住处理，获得较低rate.. 75万+ 4.1%

作者: KYLIE2008 时间: 28-6-2015 22:56
M明天会有CBA的最新利率指导

公寓设计指导

http://www.planning.nsw.gov.au/e ... tterapartments.aspx
SEPP 65

The NSW Government promotes better apartment design across NSW through the State Environmental Planning Policy No – 65 Design Quality of Residential Apartment Development (SEPP 65).

This policy aims to deliver a better living environment for the residents now choosing this form of housing, and enhance our streetscapes and our neighbourhoods across the State.

It does this by establishing a consistent approach to the design and assessment of apartments and the way they are assessed by councils.

The Apartment Design Guide explains how to apply SEPP 65’s design principles to the design of new apartments.
2015 Review of SEPP 65 & Residential Flat Design Code

After over a decade of operation, a comprehensive review of SEPP 65 was finalised in 2015. The review included extensive community and stakeholder consultation and resulted in a number of changes to the policy, including the overhaul of the Residential Flat Design Code into the Apartment Design Guide.

The changes were made to support further improvements in apartment design, and also to help improve housing affordability and supply.

Note: The changes to SEPP 65 were notified on the NSW legislation website on 19 June 2015, but will commence four weeks after this date on 17 July 2015.

The changes to SEPP 65 include savings provisions. For apartment development applications lodged prior to 19 June 2015, the Residential Flat Design Code applies.

For apartment development applications lodged after 19 June 2015 and determined after 17 July 2015, the Apartment Design Guide, along with the changes to SEPP 65 will apply.

作者: KYLIE2008 时间: 30-6-2015 21:41
关于NAB的最新消息

1m + 4.1% plus 2250 cashback, no annual fee
300k+ 4.25% plus 1250 cashback, no annual fee
(以上是自住房， new loan）

投资房保持以前的4.45%

供大家参考。。。

很多时候，你不问，属于你的money 就飞飞了

作者: KYLIE2008 时间: 30-6-2015 21:45
CBA 关于refiance 只有700 的cash back
l利率大体相同

不过很多人说CBA 服务方面要优于NAB, 我个人没提会，倒是希望合适的机会， refinance fix 到CBA，不过目前有一部分loan locked in 在NAB

作者: KYLIE2008 时间: 14-7-2015 21:40
正在建设中的西北火车线供大家买房参考

[attach]372731[/attach]

欢迎光临 FreeOZ论坛 (https://www.freeoz.org/ibbs/)