ANZ贷款利息最低，到底该不该用？更新：BOQ给出更低的利息

dormimi

最近要贷款，broker推荐ANZ的房贷，比较下来利息的确是最低的。。但有朋友说ANZ非常差，她曾连续有三个朋友在settle的时候被告知fund不够，settle不了。。
说得我现在有点犹豫。。平时研究这个研究得不多，想问问大家ANZ可以用吗？特别之前看新闻，说他家虽然最先跟进储行降息，但后面又公开宣布以后要脱离储行限制，要自己跟着市场压力调整利息。。
1/3/2012 更新：因为要转银行，原本跟的BOQ打电话过来问为什么要离开，老公说你们利息太高。。对方问ANZ给我们多少利息，老公记错，说6.3%，其实ANZ涨息以后我们是6.36%。。过了一会儿，BOQ总部打电话给老公，说给我们match到6.3%。。这样一来，实际上是比ANZ更低。。
纠结了。。 跟谁呢？
[ 本帖最后由 dormimi 于 2012-3-1 21:25 编辑 ]

kawara

什么叫fund 不够，settle 不了

dormimi

我也不晓得，难道是银行拿不出钱？总之最后他们都去其他家refinance了。。

ausox

ANZ不是一直是4大里面最高的吗?
现在变最低了?

powerfong

和银行签了合约没有?

hyundai

请问这最低是多低？
有啥extra不？

nicky100

怎么可能，我跟ANZ都5，6年了，什么都很好，还SETTLE不了，要是说小银行还可能，4大银行想想也不可能，除非你朋友自己有什么特殊情况。另外ANZ的客服很好，都是OZ，至少不像别的银行全是阿三。
唯一不如别家好的是package送的信用卡不是积分卡，要积分卡还要额外交钱。

loushenghong

I suggest you deal with the bank directly rather through brokers.  ANZ has established a separate department called - anzmortgagesolutions.com
this entity belongs to ANZ but the services are really BAD.  I was offered 1.07% discount and waived annual fee for refinancing.  The contract was signed before Christmas it has NOT been settled until now.  The excuses they give are:
1. the counterparty did not give discharge authority form - crap! the counterparty has issued the discharged authority form to me and I personally passed to ANZ.
2. the settlement is scheduled on 11 Jan - it got then pushed to 20 Jan and now 24 Jan and now still NOT been settled.  
3. the excuse now turns to be the funding is tight - a bank's funding is tight? for a home loan?
Conclusion:
I am not moving over to ANZ.  Imagine if this is an auction settlement, my 10% deposit might have already been gone!
I am going to lodge a complain to the bank and report his ANZ mobile lender and settlement team.

loushenghong

there is another article talking about the similar issue:
http://www.oursteps.com.au/bbs/v ... &extra=page%3D1

loushenghong

I am not saying you should NOT deal with ANZ but you better go through branches rather than any kind of brokerage services, including this ANZ's own subsidiary.  
Just in case when things turn bad or not settling on time, you know who is taking the ownership of what.
However, if you know this broker or want to help with his business, this is another issue.