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 23 October 2012. Interest rates are expressed as a % pa and are subject to change.
Terms and conditions available upon request. AFSL 239 238 / Australian Credit Licence 239 238
                                                                                                                    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                                   5.64%
 Premium 250 Home Loan                              Premium 250 Rate - Discounted Variable                                   6.04%
 Family Advantage Loan                              Family Advantage Rate - Discounted Variable                              6.14%
 ECO Mortgage Loan                                  ECO Mortgage Rate - Discounted Variable                                  6.39%
 Home Loan Plus                                     Standard Variable Rate                                                   6.64%
 Mortgage Plus Loan                                 Mortgage Plus Rate - Variable, 100% Offset                               6.71%

 Fixed Rate Loan                                    12 Month Fixed Rate                                                      5.69%
                                                    24 Month Fixed Rate                                                      5.69%
                                                    36 Month Fixed Rate                                                      5.79%
                                                    48 Month Fixed Rate                                                      6.09%
                                                    60 Month Fixed Rate                                                      6.09%


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

Principal and Interest Repayments
 Umbrella Loan                                      Standard Variable Rate                                                   6.64%


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

Principal and Interest Repayments
 Premium 250 Investment Loan                        Premium 250 Rate - Discounted Variable                                   6.04%
 Mortgage Investment Loan                           Standard Variable Rate                                                   6.64%

 Fixed Rate Loan                                    12 Month Fixed Rate                                                      5.69%
                                                    24 Month Fixed Rate                                                      5.69%
                                                    36 Month Fixed Rate                                                      5.79%
                                                    48 Month Fixed Rate                                                      6.09%
                                                    60 Month Fixed Rate                                                      6.09%
Interest Only Repayments
 Premium 250 Interest Only Loan                     Premium 250 Rate - Discounted Variable                                   6.04%
 Interest Only Loan                                 Standard Variable Rate                                                   6.64%
 Interest Only Loan - Bridging Finance              Interest Only Bridging Rate - Variable                                   7.14%

 Fixed Rate Interest Only Loan                      12 Month Fixed Rate                                                      5.69%
                                                    24 Month Fixed Rate                                                      5.69%
                                                    36 Month Fixed Rate                                                      5.79%
                                                    48 Month Fixed Rate                                                      6.09%
                                                    60 Month Fixed Rate                                                      6.09%


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

 Premium 150 Home Loan                              Premium 150 Rate - Discounted Variable                                   6.24%
 Premium 150 Investment Loan                        Premium 150 Rate - Discounted Variable                                   6.24%
 Premium 150 Interest Only Loan                     Premium 150 Rate - Discounted Variable                                   6.24%




                                                                  PRD 0212 - Page 1
Loan Interest Rate Schedule
These interest rates are effective from 23 October 2012. Interest rates are expressed as a % pa and are subject to change.
Terms and conditions available upon request. AFSL 239 238 / Australian Credit Licence 239 238
                                                                                                                    AFSL/ACL: 239 238

Personal Loans - Fully Secured by Cash
Loan Amount                                         Rate Type                                                    Annual Percentage Rate
 All amounts                                        Variable Rate                                                            6.64%



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                                                            7.04%

 RediAccess Overdraft                               Variable Rate                                  From                      8.14%



Commercial Loans
 Rates upon application.




                                                                  PRD 0212 - Page 2

				
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