哪家银行贷款买房比较合适？

messenger

如题。再考虑

同问{:4_146:}

hsbc~~~~~~~~~~~~~~~~

绝对不考虑hsbc的飘过~~~~~~~

绝对不考虑hsbc的飘过~~~~~~~
Steven 发表于 2010-10-19 23:15

    现在1.65discount啊~~~

要根据每个人的具体情况而视。根据自身能力选择银行，再选择最佳产品和利率。有需要的话，请联系我，免费为您详细解答，纯属友情帮忙。0433 825 887 JESS

回复 5# 老A


好么，估计从来就每闲着过，

用hsbc也可以，就是要问明白收费，要不死的很惭

我会向你推荐CREDIT UNION。 不过我是和NAB 的。我朋友说CREDIT UNOIN 的利息最低。且灵活。
把我上次写给朋友的贴给你，希望不介意英语。

I think commonwealth Bank normally has the lowest rate. Otherwise, check out the Credit Union. Other than that, some internet banks provide quite low rates, but I would worry about the credibility. We always go with NAB, since they don't charge us the application fee (normally 600), and the process is very easy after we did once with them. Nowadays, most bank do not charge application fee if you borrow a lot. Also, if you do not repay very quickly, the application fee does not weigh much in comparison with the whole repayment.

http://www.theage.com.au/money/b ... 20100720-10io9.html

We don't worry about much about the rate, because we repay quickly (one or two years). I suggest that use the calculator to compare the package which the banks presented to you. Whether you will take the honeymoon rate for the first year (if you repay a lot in the first year) or take split rate (half fixed and half variable), really depends your plan of repayment. I don't think the rate would go up quickly in future, so fixed rate (they would limited your repayment each year/ reduce the principle is always more important)would be out of questions.

有些人说要FIX RATE。 说会涨息


http://www.theage.com.au/money/b ... 20100720-10io9.html

回复  老A


好么，估计从来就每闲着过，

用hsbc也可以，就是要问明白收费，要不死的很惭
Steven 发表于 2010-10-20 12:23

想买房还不多了解一些  不过我还是比较信赖澳洲本地的大银行 com or westpec 我总是感觉便宜没好货
    所以我也没选hsbc

这个主要还是看你的个人情况（身份，是否是PR，收入，债务，存款，首付），贷款金额，要买房产的类型，是否选择固定，还是全部浮动。每一个银行都有自己的拳头产品，也有弱势产品。而且银行在有些时候也有促销，所以要根据以上的因素来考虑你选哪家银行。不能只片面说那个银行好，哪个不好。不过总体来说还是4大比较保险。因为规模大，市场份额多，隐藏的费用少，比较透明。