警告: HSBC汇丰银行固定利率

amyye

Just remind our friends here, if you got the introduction rate from HSBC before 1/July, you may not switch to fixed rate in the first 3 years, penalty applies.
Talk to your relationship manager if this is the case for you, they may waive the penalty if you know where to complain.

[ 本帖最后由 amyye 于 2011-12-8 23:01 编辑 ]

davidmouse

THANK FOR SHARE

clayton789

现在还搞固定利率？

langwang

where to complain?

world

amyye

原帖由 clayton789 于 2011-12-9 11:48 发表
现在还搞固定利率？

在利率下调底部，正是固定好机会。而且可有0.20%discount如果你的贷款大的话.
我有朋友在2009年1月固定5年5.99%。
历史好像在重演。上个月已有3年5.99%(AMP 3年5.84%, 0.15% discount after 5.99% if you are a member of ACS),5年5.99%不远啦

[ 本帖最后由 amyye 于 2011-12-10 12:25 编辑 ]

parramatta

固定利率的有个缺点是不能多还钱,如果能多还,估计更多人会选固定,那样估计银行不干了

amyye

大部分人选择部分浮动，部分固定，浮动的可多还。投资房部分可固定，减小风险。

GWHM

hsbc 第2次 降息了吗？

pswyjz

流星雨

利息会降到多少啊？

语阁

等等看，我估计还要选择固定。

kikuya

还会再降吧，要不然热钱都来了。热钱走的时候澳州就空了

MELFAIR

原帖由 GWHM 于 2011-12-14 22:01 发表
hsbc 第2次 降息了吗？

降了，现在我的6.49%浮动利率

didier

原帖由 MELFAIR 于 2012-1-28 21:20 发表


降了，现在我的6.49%浮动利率

请问,HSBC贷款的话,好象还要一些CHARGE 是吗? 我罗列一下,帮我看看,其中那些可以WAIVER掉的

1.ESTABLIMENT FEE   
2 LOAN ACCOUNT SETTLEMENT FEE
3 VALUATION /PROPETY ASSESSMENT FEE  
4 SEARCH FEES
5 MORTGAGE REGISTRATION FEES
6.DISCHARGE OF EXISTING MORGAGE FEE
7 TRANSFER REGISTRATION FEE
以上要在SETTLEMENT DATE  付清
ONGOING FEES AND CHARGES
1.LOAN VARIATION FEE
2.FIXING FEE
3.LEASE CONSENT FEE
4 PRODUCTION OF TITLE FEES
5.DISCHARGE ADMINISTRATION FEE

以上的价格,是在贷款其间远不变的吗

jackhui

原帖由 amyye 于 2011-12-8 15:09 发表
Just remind our friends here, if you got the introduction rate from HSBC before 1/July, you may not switch to fixed rate in the first 3 years, penalty applies.
Talk to your relationship manager if thi ...

Can u be more specific? For example, where to complain? If you knew something and really want to help others here please spill it all out! I hate ppl telling half the story and pretend they are being helpful!