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Loan Interest Rate Schedule Summerland Credit Union

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Loan Interest Rate Schedule Summerland Credit Union Powered By Docstoc
					       Loan Interest Rate Schedule
       These interest rates are effective from 24 August 2012.
       Interest rates are expressed as a % pa and are subject to change.
       Terms and conditions available upon request.

                                                                                                            AFSL/ACL: 239 238


       Mortgage Loans - Home Loans
       Product                                              Rate Name/Type                                Annual Percentage Rate

      Principal and Interest Repayments
         First Start Home Loan                              First Start Rate - Discounted Variable                5.79%
         Premium 250 Home Loan                              Premium 250 Rate - Discounted Variable                6.19%
         Family Advantage Loan                              Family Advantage Rate - Discounted Variable           6.29%
         ECO Mortgage Loan                                  ECO Mortgage Rate - Discounted Variable               6.54%
         Home Loan Plus                                     Standard Variable Rate                                6.79%
         Mortgage Plus Loan                                 Mortgage Plus Rate - Variable, 100% Offset            6.86%

         Fixed Rate Loan                                    12 Month Fixed Rate                                   5.89%
                                                            24 Month Fixed Rate                                   5.89%
                                                            36 Month Fixed Rate                                   5.89%
                                                            48 Month Fixed Rate                                   6.49%
                                                            60 Month Fixed Rate                                   6.49%



       Mortgage Loans - Equity Release Loans
       Product                                              Rate Name/Type                                Annual Percentage Rate

      Principal and Interest Repayments
         Umbrella Loan                                      Standard Variable Rate                                6.79%



       Mortgage Loans - Investment Loans
       Product                                              Rate Name/Type                                Annual Percentage Rate

      Principal and Interest Repayments
         Premium 250 Investment Loan                        Premium 250 Rate - Discounted Variable                6.19%
         Mortgage Investment Loan                           Standard Variable Rate                                6.79%

         Fixed Rate Loan                                    12 Month Fixed Rate                                   5.89%
                                                            24 Month Fixed Rate                                   5.89%
                                                            36 Month Fixed Rate                                   5.89%
                                                            48 Month Fixed Rate                                   6.49%
                                                            60 Month Fixed Rate                                   6.49%
      Interest Only Repayments
         Premium 250 Interest Only Loan                     Premium 250 Rate - Discounted Variable                6.19%
         Interest Only Loan                                 Standard Variable Rate                                6.79%
         Interest Only Loan - Bridging Finance              Interest Only Bridging Rate - Variable                7.29%

         Fixed Rate Interest Only Loan                      12 Month Fixed Rate                                   5.89%
                                                            24 Month Fixed Rate                                   5.89%
                                                            36 Month Fixed Rate                                   5.89%
                                                            48 Month Fixed Rate                                   6.49%
                                                            60 Month Fixed Rate                                   6.49%



       Mortgage Loans - Not Available to New Applications
       Product                                              Rate Name/Type                                Annual Percentage Rate

         Premium 150 Home Loan                              Premium 150 Rate - Discounted Variable                6.39%
         Premium 150 Investment Loan                        Premium 150 Rate - Discounted Variable                6.39%
         Premium 150 Interest Only Loan                     Premium 150 Rate - Discounted Variable                6.39%




PRD 0212 - Page 1
      Loan Interest Rate Schedule
      These interest rates are effective from 24 August 2012.
      Interest rates are expressed as a % pa and are subject to change.
      Terms and conditions available upon request.




       Personal Loans - Fully Secured by Cash
       Loan Amount                                                 Rate Type              Annual Percentage Rate
        All amounts                                                Variable Rate                  6.79%



       Personal Loans – Car Loans
       Loan Amount                                                 Rate Type              Annual Percentage Rate
        $20,000 and above/New                                      Variable Rate                  9.50%

        $10,000 to less than $20,000                               Variable Rate                  9.95%



       Personal Loans - ECOloan
       Loan Amount                                                 Rate Type              Annual Percentage Rate
        All amounts                                                Variable Rate                  9.75%



       Personal Loans – Equity Plus
       Loan Amount                                                 Rate Type              Annual Percentage Rate
        All amounts                                                Variable Rate                 10.00%



       Personal Loans – General Purposes
       Loan Amount                                                 Rate Type              Annual Percentage Rate
        $3,000 to less than $5,000                                 Variable Rate                 17.45%

        $5,000 and above                                           Variable Rate                 14.70%



       Continuing Credit
       Product                                                     Rate Type              Annual Percentage Rate
        Equity Extra Overdraft                                     Variable Rate                  7.19%

        RediAccess Overdraft                                       Variable Rate   From           8.29%



       Commercial Loans

        Rates upon application.




PRD 0212 - Page 2

				
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