St George Bank Fixed Rate Loan Agreement Standard Terms
Offer your car as collateral to get a lower interest rate. And don`t forget our $200 bunnings eGift Card offer*. Secure your fixed interest rate when you apply, so if prices go up before you pay, you`re not affected (fees apply)1. The reference interest rate is your variable interest rate before any discount. To find out your reference interest rate, please refer to your loan agreement or contact us at 13 33 30. Variable interest rate home loans have an interest rate that can fluctuate; it can go up and down both and this can affect your repayments. Custom Interest Rate: A variable interest rate loan discount is valid for 14 days and a fixed interest discount is valid for 5 days. All interest rates are subject to change. Note: You can use a personal loan secured with a car to buy items other than a car. If you want to know more, call us at 13 33 30. Manage your loan and track repayments online or through your mobile banking app. Fixed-rate home loans have an interest rate that is set for a certain period of time (usually one to five years). At the end of the fixed-rate term, the loan usually switches to a variable interest rate.
↑ Comparison rates help you understand the true cost of a loan. The comparison rate is based on a secured personal loan with a loan amount of $30,000 and a term of 5 years. WARNING: This comparison rate applies only to the previous examples provided. Different amounts and conditions lead to different comparison rates. Costs such as resubscription fees or prepayment fees and cost savings such as fee waiver are not included in the comparison rate, but may affect the cost of the loan. Below are the fixed rate home loan interest rates available to repair or repair an existing loan. Our benefits package offers you an interest discount of 0.15% per year and other savings on products for an annual fee of $395*. Available for loans over $150,000. With a St.
George Advantage package, you can get reduced interest rates and fees when you pack your home loan, credit card, and transaction account4. If necessary, approve at least $500 of your loan amount, provided you have at least $500 ahead of your repayments. Each application is subject to approval and a fee. *Bunnings Warehouse eGift Card Offer of $200: This offer is only valid for customers who apply for a new unsecured or secured personal loan and who are approved and sign the loan agreement by electronic contract between November 10, 2020 and January 19, 2021. Candidates can apply by phone at 13 33 30, when visiting an agency or via the online application button “Apply Now”. This offer is only valid for individual candidates and cannot be used in conjunction with other offers and may be modified or withdrawn at any time. Limit of one eGift Card per customer. Read the terms and conditions of the product before making a decision and ask yourself if a personal loan is right for you. If you need help, call 13 33 30. For example, a $400,000 loan to buy a $500,000 property results in a loan-to-value ratio of 80%.
The following interest rates apply to new loans. Interest rates on home loans are set on the basis of the original LVR and do not change due to changes in the LVR during the term of the loan. You will receive a unique coupon code via email as well as instructions on how to redeem your Bunnings Warehouse eGift Card online within 12 to 15 weeks of signing your new loan agreement. You must follow the redemption instructions and activate your voucher code within 85 days of receiving your voucher. After this time, the code to be used will expire and you will no longer be able to use the Bunnings Warehouse eGift Card. Please check your Bunnings Warehouse eGift Card for instructions on how to use. The terms and conditions of the bunnings Warehouse eGift Card are available on the www.bunnings.com.au/online-gift-cards-terms website. Bunnings Warehouse eGift Cards are non-refundable and cannot be redeemed for cash. The interest rate may vary depending on the value of the car you offer as collateral. Credit criteria, fees, fees, terms and conditions apply. The advice on our website is created without knowledge of your personal goals, financial situation or needs. Before responding to this or any other advice, please consider whether it is right for you.