注意 贷款一定要看Compariosn Rate

bluestarboy

最近看见很多相关的贷款利率的帖子，很奇怪大家都忽视了Comparison Rate，这个才是你贷款的实际利率
比如CBA的Package Home Loan，折扣以后号称6.21 但是 Comparison Rate 6.58，相差很大

SydPeterLiu

Yes, LZ is right, we should think more beyond the simple rate. But the comparison rate is not the true rate, it is only consider the loan amount is 150K, and etc. Below is some more info about the comparison rate from the website.
“Comparison rate legislation under the Uniform Credit Code came into effect for all Australian states on July 1, 2003.
All lenders must now include "comparison rates" in advertisements for their home loans and personal loans to help consumers work out the 'true' cost of the loan. Infochoice displays these rates in our full comparison tables for each type of loan. Comparison rates are based on the average annual percentage rate (AAPR) which wraps up interest payments and fees and expresses all these costs in one rate. It is designed to reflect the total annual cost to a borrower of a loan. InfoChoice warns borrowers not to rely solely on these so-called 'true rates' when choosing a loan and to beware of their shortcomings. A comparison rate that helps consumers compare loan costs is welcome given the array of different loan types, rates and fees. However, there is a danger comparison rates will lead some consumers to oversimplify their loan choice and not look beyond the price of a loan to the suitability of features. A comparison rate :
1. offers a pricing comparison only, addressing interest costs and the known upfront and ongoing fees but not early repayment fees or government charges
2. doesn't take into account features such as repayment flexibility, redraws and offset accounts which vary widely among loans and can reduce their cost significantly
3. on any loan will vary depending on the term how much you borrow - choose a loan based on its comparison rate and you may well find the true cost different for the amount you want to borrow
this especially applies to fixed rate loans - ask the lender or broker to give you the comparison rate specific to your loan amount and term
4. can be misused by lenders who advertise a loan with a low comparison rate, then try to upsell you to a more expensive one”
Peter Liu

fifi

Comparison Rate 是以150000的贷款额，25年的还款期做基础的
6.58%-6.21%=0.37%*150000=567 也就是说一年有大概567利息以外的费用。
如果贷款500000, 那么comparison rate就是6.32%

kr2000

Comparison Rate没什么意思，除了要看贷款额还要算费用（年费，申请费什么的）
很多人都可以弄到免费或免一段时间的费用
具体还要靠自己算

微胖儿

有什么好比的，高了再转走不就行了。

bluestarboy

你说的年费和申请费都是算在Comparison Rate的

kr2000

原帖由 bluestarboy 于 2012-5-23 17:42 发表
你说的年费和申请费都是算在Comparison Rate的
所以我说没什么意思，因为年费和申请费很多人都可以免的
Comparison Rate是给不喜欢算数的人看的

qianlimabole

看不懂啊

天行健

都没用，要贷款时挨家问过去最好！

junniao

我们华人也不需要过30年才还光的。。
自己得算。不过大家也别小看一个package fee， 其实你使劲跟银行要折扣，还不然免个年费，也有0.0几%呢。。
跟澳洲合作算了，提供澳洲id。在cba免第一年年费。我去搞搞看。