拿到final approval

aqiang

拿到loans.com.au的final approval和documents,  65页的文档，有没有有经验的同学提醒一下哪些条款需要注意的？

laura12345

恭喜
应该都是标准条文
看看early exit的费用，还有deferred establishment fee

hzzy

什么叫loans.com.au，哪家银行的？

laura12345

一个纯网上银行

lantaozi66

不懂，但恭喜，小弟也在贷款中

fay24

恭喜

aqiang

谢谢！
没看到有early exit和deferred establishment fee，但有以下discharge 300$费用，加上两个不确定的费用，这两个不确定费用不知有否猫腻呢？
Discharge administration fee payable at the time of each discharge when repaying your loan in full. 300$
In addition, in respect of both full and partial discharges, you must pay any         applicable out-of-pocket expenses including legal costs and disbursements.          Unascertainable         
Documentation costs on discharge of mortga ge payable at the time of any discharge. Unascertainable        
它的checklist还要求在settle之前提供 Copy of Insurance Policy 这个是不是每个house都必需的？ 还有Copy of transfer，是不是要律师给他们？

mr_founder

house 一定要买保险。

aqiang

仔细看了loans.com.au的文件，有一个文档“Memorandum of Mortgage – Summary", 对房子的使用有很多限制，规定他们的权利很细/很广，甚至出租房子也要先得到他们的written consent，他们可以决定出租中介，租金如何付，多少等等。这些条款真得让我有点担心，想是否跟其他银行签约，请问，其他银行有类似条款吗？看在他们低利率的份上(4.75% with offset, variable rate)，我的担心是否多余？
*Selling or leasing.  Before you deal with the Land in         
any way, you must first obtain our prior written         
consent.        
*Rentals.  We may direct how the rental or any         
income from the Land will be paid or collected.  You         
must sign anything reasonably required by us for this         
purpose.  For example, we may require a specific         
managing agent to be used, and for that managing         
agent to pay the rental or other income direct to us,         
or we may require the tenant to pay directly to us.         
*Altering the Land         
You must not demolish, extend, or alter the Land         
without our prior written consent.  You must not do or         
allow anything to be done which adversely affects the         
value of the Land.  If any part of the building on your         
property encroaches onto adjoining land, if required         
by us you must remove that encroachment or obtain         
an easement on terms acceptable to us.         
*Building works on the Land                 
        This clause any applies if building works are        
        commenced on the Land.  No building works may be         
        commenced on the Land without our prior written         
        consent.         
        (a)

andong

好吧,