I agree, that could well answer a few things for some of us too.
Probably older than you.
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I agree, that could well answer a few things for some of us too.
Just buy cheap. Our 3 cost $25k (+ reno) , $65k (+ reno) and the new one will cost $100k + $10k in fees for the land. Turns out the rent on the first two will pay for all three with a lot leftover and if we did it again the rent on the first 3 would have the first one paid off in under a year. Positive gearing is a good thing
How'd you manage that?
Sheesh, lucky. We got slugged with around $2000 establishment fees including LMI for being over 60% (and then some deferred fees if we get out early) *and* are paying $16pm in fees. But then beggars can't be choosers. I should just work on paying off the smaller loan and say bye-bye to some fees. Or just let the rent do it and it'll be gone in a bit under 6 years ...It was just a deal i got. No monthly fees, No nothing, didn't even have an establishment fee.
Sheesh, lucky. We got slugged with around $2000 establishment fees including LMI for being over 60% (and then some deferred fees if we get out early) *and* are paying $16pm in fees. But then beggars can't be choosers. I should just work on paying off the smaller loan and say bye-bye to some fees. Or just let the rent do it and it'll be gone in a bit under 6 years ...
That's harsh. I personally would never take up such a loan. I just can't justify paying such monthly fees or any other kind of fees. I just refuse too!
It sucks, but one day you will..Banks will always find a way to get some kind of money out of you!
Never, I have one loan atm. No fees. My next one too will have no fees. All of my bank accounts i have atm, savings, transaction etc none have any fees attached to them whatsoever. I simply won't put my self in that situation.
Never, I have one loan atm. No fees. My next one too will have no fees. All of my bank accounts i have atm, savings, transaction etc none have any fees attached to them whatsoever. I simply won't put my self in that situation.
Oynas said:My parents have a $600,000 house and I am thinking of buying small chunks of it. For example, one month I can buy the backyard, the next month I buy the toilet, etc. But my parents criticized me and told me that conveyance fees would be so high. I would need to buy heaps at once for it to be worth it.
It was that or no loan at all, which is why I wanted to know how the heck you did it.That's harsh. I personally would never take up such a loan. I just can't justify paying such monthly fees or any other kind of fees. I just refuse too!
You may not want too, but you can't possibly hold everything through them with no fees.
Even if it comes at the expense of a higher interest rate on a loan or a lower rate on your savings?? Bank's aren't in the business of providing things for free.
Gools
So then what is the secret Niko...? Hubby the bank manager...?
I have the same with CBA but it's the package fee of $350per annum that enables no 'fees'...are you paying this "fee"...?
Ahhh...I see... YOU are the bank manager...!
No i am not. I have just sent you an PM explaining my setup.
Why not just share it..... or is it dodgy?