loans.com.au 5.09% variable -市面上見到最低的貸款利率（有人做過嗎？）

rainvegie · 发表于 2014-5-31 05:05:20

本帖最后由 rainvegie 于 2013-3-14 14:22 编辑
才發現，標題寫錯了，不是UBANK，是loans.com.au (昨晚腦子里光想著ubank了。呵呵）
純屬討論貼，足跡大神比較多。
我很好奇，他們到底有什么貓膩？還是真心便宜？
有沒有附加條件？有人做過嗎？
今天有個客人問我，你能Match 他們家的rate嗎？
loans.com.au
5.09% variable， 5.19 comparison rate
比Ubank還要低。
而且好像沒有任何on going fee & application fee
以下是他們家的Feature & cost

2013-3-14 00:50:57 上传
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rate

基本上，沒有cost，我找不到說年費的那頁，好像也沒有年份吧。
應該沒有offset account,但是有offset redraw facility, 湊合算“offset account" 吧
5.09%pa, comparison rate of 5.11%pa
$0 application fee1
Unlimited free redraws and online transactions
Free Bpay, direct credit and debit transactions
Up to 5 free splits
5 free ATM transactions per month with an agreed list of financial institutions on variable loans
另外見到4.89%一年 P+I ，也是市面上現在能見到的advertised 最低的了（NAB那個不是登出廣告的，不能算）
對了，他們還送一份免費的RP DATA report
P.S 這個deal到14號，也就是今天截至，可是他們的普通rate也只有5.29%，所以還是很便宜
PPS.未免有人說我做廣告，特此聲明，我不代理loans.com.au的貸款，所以發這個帖子我不會從中得到半毛錢利潤
我只是純粹以一個足跡網民的立場發這個帖子。也希望有人可以因此受益。（如果可以的話，順便賺分換靴）

rainvegie · 发表于 2014-5-31 05:18:55

看了一下他們的about us
他們的MD是個很年輕的美女哦
下面是About us, 說他們是Firstmac的online brand.
Firstmac
About us
Loans.com.au is an online home loan company, established with the aim to be Australia's leading online lender.
We believe in keeping things simple, that's why we have created a range of full feature home loans so you don't have to give up the important loan features you need.
We are a customer centric organisation with an experienced lending team who care about you. We are here to challenge the status quo and improve the lending industry as a whole by bringing back a higher level of competition which has been missing for so long in Australia.
Loans.com.au is the online brand of Firstmac ACN 094 145 963 ACL 290600, a wholesale lender which has been in this industry for over 32 years. Firstmac has traditionally provided wholesale funding to other home loan companies. They have written over 68,500 loans since 2000 and currently manage 4.5 billion dollars of mortgages. Being part of a larger, well established organisation, we have the experience and offer the security you expect in a long term partner. Firstmac Limited has a 'Strong' Prime Residential Loan Service rating from Standard and Poors. Click here to read more about Firstmac's rating.
We have an Australian based call centre that operates out of Brisbane, servicing customers Australia wide. We don't have an expensive branch network and we don't pay broker commissions. We believe in our online business model because it keeps costs down and allows us to deliver competitively priced products directly to the Australian public.
Just because we are online, it doesn't mean that we don't offer a personalised service. When a customer applies online, they are assigned a lending manager who is their point of contact all of the way through to settlement. You don't get a different person every time you call like some of the larger financial institutions.
Thank you for considering loans.com.au. We really hope that we can make a positive difference to your lending needs.

rainvegie · 发表于 2014-5-31 06:40:07

放狗搜了一下firstmac,網上對他們的評價很差，說很多hidden fees.
不過很牛的是，他們接受15平方的unit的貸款

Da_Musiq · 发表于 2014-5-31 07:03:13

已撸另外这家贷款UPFRONT 700块之后终身就没年费

Chioz · 发表于 2014-5-31 07:24:03

I was told this product is with an offset account but without manageing fee? According to the research I've done so far, a real offset account should be seperated from loan account and there is always management fee put on it. I doubt.

Chioz · 发表于 2014-5-31 08:51:47

本帖最后由 Chioz 于 2013-3-15 16:54 编辑
Check it out here.
https://www.loans.com.au/answer- ... and-redraw-facility
Does it mean its Offset Redraw Facility is the offset accout we normally know about?

churq · 发表于 2014-5-31 09:41:27

我现在就用这家贷款机构的贷款，感觉他们客服还是蛮好的。不觉得有很多hidden fee，不过我办贷款的时候，在给我unconditional offer之前突然跟我说忘了告诉我还有400块的fix rate commitment fee，估计是他们编出来变相收费的，不过我算来一下就算给他们这400块钱，所有的费用加起来还是比其他的银行便宜。
另外我觉得他们的客服还是很不错的，有求必应啊，哈哈哈哈哈~~而且利率确实低哦，缺点是他们不会给你怎样理财的建议，一般就是你选哪个product，他们就给你哪个product，没人跟你比较哪个产品适合你的个人情况。。。总体还可以吧，如果选择浮动的利息，一直都和ubank是全澳洲第一第二便宜