博 覽 投 資 推 廣 策 劃 公 司

Prominent Investment Promotion Company.

　

投資者應註意所有投資帶有風險,投資項目的價值及其收益可升可跌,過往表現未必可作日後業績的准則只可作參考之用.

How recent rate changes have affected repayments:

Date Loan Amount Term Old Standard Variable Rate % Monthly Repayment Change in Interest Rate New Standard Variable Rate Change in Monthly Repayment New Monthly Repayment
Apr 2001 $100,000.00 25 Years 7.30 $726.03 -0.50 6.80 -$31.96 $694.07
Mar 2001 $100,000.00 25 Years 7.55 $742.25 -0.25 7.30 -$16.22 $726.03
Feb 2001 $100,000.00 25 Years 8.05 $775.13 -0.50 7.55 -$32.88 $742.25
Aug 2000 $100,000.00 25 Years 7.80 $758.61 +0.25 8.05 $16.52 $775.13
May 2000 $100,000.00 25 Years 7.55 $742.25 +0.25 7.80 $16.36 $758.61
Apr 2000 $100,000.00 25 Years 7.30 $726.03 +0.25 7.55 $16.22 $742.25
Feb 2000 $100,000.00 25 Years 6.80 $694.07 +0.50 7.30 $31.96 $726.03
Nov 1999 $100,000.00 25 Years 6.55 $678.33 +0.25 6.80 $15.74 $694.07

Variable home loan rate changes:
Institution Effective For New Borrowers Effective For Existing Borrowers Old Rate New Rate Change
ACE Home Loans
 5/4/2001
 5/4/2001
 6.74
 6.24
 -0.5
Adelaide Bank
 4/4/2001
 28/4/2001
 7.32
 6.82
 -0.5
Advantage Credit Union
 6/4/2001
 17/4/2001
 7.24
 6.74
 -0.5
AFG

7.2
 6.7
 -0.5
AIMS Home Loans
 5/4/2001
 27/4/2001
 6.85
 6.35
 -0.5
AMP Banking
 5/4/2001
 5/4/2001
 7.3
 6.7
 -0.5
ANZ
 12/4/2001
 12/4/2001
 7.32
 6.82
 -0.5
Arab Bank
 6/4/2001
 6/4/2001
 7.3
 6.8
 -0.5
Aussie Home Loans
 6/4/2001
 17/4/2001
 7.2
 6.7
 -0.5
AXA Home Loans
 24/4/2001
 24/4/2001
 6.99
 6.49
 -0.5
Bank Of Melbourne
 11/4/2001
 11/4/2001
 7.32
 6.82
 -0.5
Bank of Queensland
 18/4/2001
 18/4/2001
 7.32
 6.82
 -0.5
Bankwest
 17/4/2001
 17/4/2001
 7.32
 6.82
 -0.5
Bass & Equitable Building Society
 9/4/2001
 1/5/2001
 7.25
 6.75
 -0.5
Bendigo Bank
 18/4/2001
 18/4/2001
 7.35
 6.85
 -0.5
BMC Mortgage Corp
 4/4/2001
 27/4/2001
 6.99
 6.49
 -0.5
Canberra Credit Union
 5/4/2001
 17/4/2001
 7.27
 6.77
 -0.5
Challenge Bank
 11/4/2001
 11/4/2001
 7.32
 6.82
 -0.5
Citibank Limited
 7/4/2001
 18/4/2001
 7.65
 7.15
 -0.5
Colonial State Bank
 5/4/2001
 13/4/2001
 7.32
 6.82
 -0.5
Commonwealth Bank
 5/4/2001
 13/4/2001
 7.32
 6.82
 -0.5
Community First Credit Union
 11/4/2001
 11/4/2001
 7.3
 6.8
 -0.5
CPS Credit Union

7.27
 6.75
 -0.52
CPS Credit Union (SA) Ltd
 17/4/2001
 17/4/2001
 7.32
 6.8
 -0.52
Credit Mortgage
 26/4/2001
 26/4/2001
 6.84
 6.34
 -0.5
Credit Union Australia
 16/4/2001
 16/4/2001
 7.3
 6.8
 -0.5
Education Credit Union
 6/4/2001
7.05
 6.55
 -0.5
Elders Rural Bank




FAI Home Loans

7.15

First Australian Building Society (formerly Northern Building Socity Queensland)
 18/4/2001
 18/4/2001
 7.3
 6.8
 -0.5
Genesis Home Loans

7.65

Home Building Society
 5/4/2001
 30/4/2001
 7.3
 6.8
 -0.5
HomePath
 5/4/2001
 13/4/2001
 6.4
 5.9
 -0.5
Home Start South Australia
 10/4/2001
 4/5/2001
 7.47
 6.97
 -0.5
HomeSide Lending (formerly Bank of New Zealand)
 20/4/2001
 20/4/2001
 7.3
 6.8
 -0.5
HSBC
 9/4/2001
 23/4/2001
 7.2
 6.7
 -0.5
Hume Building Society
 9/4/2001
 23/4/2001
 7.3
 6.8
 -0.5
Illawarra Credit Union
 11/4/2001
 23/4/2001
 7.3
 6.8
 -0.5
Illawarra Mutual Building Society
 5/4/2001
 21/4/2001
 7.32
 6.82
 -0.5
ING Mercantile Mutual Bank
 7/5/2001
 7/5/2001
 7.15
 6.65
 -0.5
La Trobe Home Loans of Australia

7.35

LJ Hooker Home Loans
 20/4/2001
 20/4/2001
 7.3
 6.8
 -0.5
Macquarie Res Mortg Ltd

7.15

MCU Direct
 4/4/2001
 31/5/2001
 6.6
 6.1
 -0.5
Melbourne Credit Union
 4/4/2001
 31/5/2001
 6.6
 6.1
 -0.5
Members Australia Credit Union
 6/4/2001
 6/4/2001
 7.22
 6.72
 -0.6
Mortgage House of Australia
 5/4/2001
 23/4/2001
 6.74
 6.24
 -0.5
National Australia Bank
 23/4/2001
 23/4/2001
 7.31
 6.81
 -0.5
Nestegg Home Loans


6.31
North West Country Credit Union
 10/4/2001
 30/4/2001
 7.1
 6.6
 -0.5
NSW / WA / VIC / SA / QLD Home Loans
 10/1/2001
 30/4/2001
 7.1
 6.6
 -0.5
Pacific Mortgage Corporation
 6/4/2001
 26/4/2001
 6.99
 6.49
 -0.5
Pioneer Mortgages
 9/4/2001
 9/4/2001
 6.99
 6.49
 -0.5
RACV
 17/4/2001
 17/4/2001
 7.32
 6.82
 -0.5
RAMS Home Loans
 9/4/2001
 23/4/2001
 7.29
 6.79
 -0.5
Resi Home Loans
 9/4/2001
 26/4/2001
 6.35
 5.85
 -0.5
SA Savings & Loan Credit Union
 9/4/2001
 29/4/2001
 7.32
 6.82
 -0.5
South West Credit Union

7.35
 6.85
 -0.5
St George Bank
 12/4/2001
7.32
 6.82
 -0.5
Suburban Management (formerly Innercity Home Loans)

7.29

Suncorp Metway
 20/4/2001
 20/4/2001
 7.3
 6.8
 -0.5
Super Members' Home Loans
 27/4/2001
 15/6/2001
 6.74
 6.24
 -0.5
The Rock Building Society
 4/4/2001
 1/5/2001
 7.1
 6.6
 -0.5
United Credit Union
 9/4/2001
 1/5/2001
 7.44
 6.94
 -0.5
Victorian Teachers Credit Union
 17/4/2001
 17/4/2001
 7.15
 6.65
 -0.5
Westpac
 11/4/2001
 11/4/2001
 7.32
 6.82
 -0.5
Wizard Mortgage
 4/4/2001
 13/4/2001
 6.97
 6.47
 -0.5
Yes Home Loans
 4/4/2001
 26/4/2001
 6.89
 6.39
 -0.5

History of Interest Rate Movements
The graph below shows a historical comparison of Australian official interest rates, as measured by the Reserve Bank's overnight cash rate, against the average standard variable home loan rate.
Comparison Graph  

    cash rate
   Average home loan rate
Date  cash rate Average home loan rate
Apr-01 5.00 6.80
Mar-01 5.50 7.30
Feb-01 5.75 7.55
Aug-00 6.25 8.05
May-00 6.00 7.80
Apr-00 5.75 7.55
Feb-00 5.50 7.30
Jan-00 5.00 6.80
Nov-99 5.00 6.80
Dec-98 4.75 6.50
Sep-97 5.00 6.70
Jul-97 5.00 7.20
May-97 5.50 7.20
Apr-97 6.00 7.20
Mar-97 6.00 7.55
Dec-96 6.00 8.25
Nov-96 6.50 8.75
Aug-96 7.00 9.25
Jun-96 7.50 9.75
Dec-94 7.50 10.50
Nov-94 6.50 9.55
Oct-94 6.50 9.50
Sep-94 5.50 9.50
Aug-94 5.50 8.75
Jul-94 7.00 9.75
Sep-93 4.75 8.75
Jul-93 4.75 9.50
May-93 5.25 9.50
Mar-93 5.25 10.00

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