LOAN/CREDIT FEES AND CHARGES
Late Payment Fee Payable when we send you an arrears letter $20.00 Loan Approval Fee For New Applications: Personal Loan $75.00 Car Loan $100.00 Home Loan (see Third Party Costs) $225.00 For Top Up Loans: All loans (see Third Party Costs) $75.00 Loan Redraw Fee $25.00 Debited to your account for each redraw Capped Loan Approval Fee $675.00 Includes Solicitors, Valuers and Approval fee. Other third party fees to be paid at cost Third Party Costs (additional to loan approval fee) Third party costs apply to home loans including Solicitors, Agents, Valuers fees and Government charges including stamp duty, registration, search and any other fees we incur as applicable. These vary according to work involved. Full details are available on request. You must also pay costs we incur for contract or mortgage variations. consents, fundings or enforcement; interstate contracts; non-Torrens/Strata Title mortgages. • Field Call Fee Payable when we instruct an agent to make or attempt to make a personal visit to you to assist our efforts to address defaults under your contract. Per call from $60.00
OTHER INTEREST RATES
Continuous Credit Visa/Overdraft Visa Credit Line Of Credit Mortgage Line Of Credit Business Loans Secured (Benchmark) Other Loans Overdraft Overdraft Secured (Benchmark) Car Loans 8.30% p.a 14.50% p.a 14.50% p.a 9.30% p.a 14.50% p.a 14.50% p.a 14.50% p.a 8.30% p.a
Normal Car Rates Apply
Terms & Conditions, fees and charges and approval conditions apply to all loans.
Manly Warringah Credit Union Limited ABN 81 087 650 299 PO Box 1964 DEE WHY NSW 2099 Phone (02) 9981 8400 for all locations RediPhone Account Enquiry Service (02) 9971 1964 DEE WHY: 17-19 Oaks Avenue MANLY: 48 Sydney Road MONA VALE: 15 Bungan Street BROOKVALE: 477 Pittwater Road WARRINGAH MALL: Shop 418 Southern Entrance
LOAN INTEREST RATE AND FEE SCHEDULE
9981 8400
COMPARISON RATE SCHEDULE
HOME LOANS
Secured Loans
Date of issue 01 July 2005
PERSONAL LOANS
Unsecured Loans
All rates shown are applicable for secured loans only Head Standard Investment Interest Minimiser Start Variable Home Loan Only Home Loan (All in one Home Loan Home Loan) Home Loan Annual Percentage Rate per annum Amount $50,000 $70,000 $100,000 $130,000 $150,000 $200,000 $225,000 $250,000 $275,000 $300,000 Term 7 years 25 years 25 years 25 years 25 years 25 years 25 years 25 years 30 years 30 years
12 months capped at 5.99% then variable rate 7.24%
Standard Standard Standard Standard Standard Standard Loan Loan Loan Loan Loan Loan Annual Percentage Rate Amount $1,000 $1,500 $2,500 $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 Term 6 months* 1 year 2 years 2 years 3 years 4 years 4 years 5 years 5 years 9.95% 13.75% 15.75% 9.95% 13.75% 15.75%
7.24%
7.24%
12 months fixed at 7.24% then variable rate 7.24%
6.74%
35.62% 19.27% 12.92% 11.44% 10.46% 10.21% 10.15% 10.08% 10.06%
Comparison rate per annum 39.57% 41.65% 23.16% 25.20% 16.77% 18.79% 15.27% 17.28% 14.28% 16.28% 10.64% 14.45% 14.02% 16.03% 10.30% 14.11% 13.95% 15.96% 10.21% 14.02% 13.88% 15.89% 10.12% 13.93% 13.86% 15.86% 10.09% 13.90%
16.46% 16.12% 16.03% 15.93% 15.90%
7.30% 7.21% 7.18% 7.16% 7.16% 7.14% 7.14% 7.14% 7.14% 7.14%
Comparison rate per annum 7.66% 7.66% 7.49% 7.15% 7.35% 7.35% 7.32% 6.85% 7.32% 7.32% 7.30% 6.81% 7.30% 7.30% 7.28% 6.80% 7.29% 7.29% 7.28% 6.79% 7.28% 7.28% 7.27% 6.78% 7.27% 7.27% 7.26% 6.77% 7.27% 7.27% 7.26% 6.77% 7.26% 7.26% 7.26% 6.76% 7.26% 7.26% 7.26% 6.76%
SECURED LOANS
Secured New & Used Car Loan Annual Percentage Rate per annum Amount $1,000 $1,500 $2,500 $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $50,000 Term 6 months 1 year 2 years 2 years 3 years 4 years 4 years 5 years 5 years 5 years 7.95% Used Car Loan 9.95% Fixed Rate Cash Loan Secured New Car Loan 9.50% 10.25%
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost saving such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Comparison rate per annum
9.92% 8.63% 8.30% 8.21% 8.12% 8.09% 8.03%
11.94% 10.64% 10.30% 10.21% 10.12% 10.09% 10.04%
11.48% 10.18% 9.85% 9.76% 9.67% 9.64% 9.59%
13.23% 11.74% 10.77% 10.51% 10.45% 10.38% 10.36% 10.32%