贷款80万，westpac给了利率6.24。是不是被黑了？

bobotoday307

因为是打算空地盖房的，所以先做地的贷款，等settle后联系好builder，再做建房的贷款
下面是westpac给的费用：
$395 establish fee + annually
有offset account.
免年费的limit 1w或者2w的信用卡。
interest rate是6.24。 comparison rate 6.25
申请材料是用的海外收入。首付35%
请问下大家这利率是不是太高了？大家是如何在westpac争取到6.09或者更低利率的呀？请指教！！！俺贷了这么多钱，怎么还这么高呢。。马上就要签合同了
[ 本帖最后由 bobotoday307 于 2012-5-25 20:37 编辑 ]

carrieyee

其他条件都一样， 就是这个6?25。。。。。。恩， 你能接受？

carrieyee

刚刚才看见， 你说的是comparison rate？ 那不是你拿到的rate啊。

bobotoday307

看不懂楼上在说什么啊。。。。

banzhiyan

是不是因为你用的海外收入？

bluestarboy

你的Comparison Rate 很不错的说。
我和CBA 谈的是 6.16 Rate， 但是Comparisn Rate 是 6.46
这个因为是我有一个每年275的Package Fee

bobotoday307

我要交395的package fee。。。叫什么rocket package
我问银行comparison rate的事，他说comparison rate没有什么用 。
请问下comparison rate和interest rate之间有什么联系吗？各是干什么的？
谢谢啦

bluestarboy

It is a legislated requirement enforced by state government throughout Australia. The comparison rate is the full cost of your loan each month with all fees and charges included.
It is possible to have a great interest rate with lots of fees and charges that effectively makes the interest rate get pulled back up to an average one.
In the past many lenders have made this rate quite small in order to conceal the true rate. Though word has it that ASIC is starting to crack down on this and making all lenders display the comparison rate with equal prominence

bluestarboy

395 每年交吗？那么你的Comparison Rate不会那么低的，用下面的计算器算算
http://www.smartsearchfinance.co ... apr_calculator.html

bobotoday307

就是把各种费用加进去然后算出来的rate。像年费，management fee， establish fee啥的。。。对吧？
那comparison rate应该只比interest rate高一丁点而已吧？你的贷款怎么comparison rate比interest rate高出那么多呢？