|
|
| Home » ANZ Bank » Home Loan |
|
|
ANZ Home Loan |
ANZ Home Loan Schemes are offered for discrete purposes - to buy your first home, to buy another home or any residential property, for renovation and restoration of the existing house/flat, home loan for investment in property and to suit the need based requirements of individuals. ANZ Bank Home Loan schemes are flexible and tailor-made to suit different home loan seekers. ANZ on its website provides the facility to the home loan applicant to choose from different options offered by ANZ home loans. The home loan applicant can not only apply but can also get an online pre-approval of his/her suitable home loan scheme. People who have borrowed their home loan from any other bank or any housing loans lender can change their home loan scheme and switch over to ANZ home loans. You can also acquire ANZ housing loans for renovating or for refurbishing your house/flat.
ANZ Home Loan Application:
ANZ offers various ways through which a person seeking a home loan can apply for an ANZ home loan scheme. You can apply for the home loan online by filling up the home loan application form with all the mandatory fields, the application form is available on the website of the bank. The bank officials get in touch with the loan applicant within a period of two days but only after receiving the application. The willing home loan applicant can also download the home loan application form from the website and submit the duly filled up form at the nearest ANZ branch. For more information you can visit the ANZ website or can call the toll free home loan helpline service.
Following are certain types of Home loans offered by ANZ:
ANZ Simplicity Home Loan - ANZ Simplicity Plus Home Loan scheme offers a home loan facility at low variable interest rates during the home loan tenure. One doesn't have to cough up any amount for the features one doesn't require. The simplicity plus home loan applicant is liable to make any sort additional payments to repay the loan at any point of time with a view to pay the home loan soon. The maximum period for this type of a home loan can be availed is 30 years and the minimum loan amount is $50,000.
ANZ Standard Variable Rate Home Loan - This home loan scheme is outlined to provide the home loan applicant with flexibility and full financial worth thereby helping you save money. This particular housing loan option is also available in case the loan is registered in the company's name or the in the name of the business house and the property must be acquired to benefit the company's directors or the trust's beneficiaries. It can also prove to be fruitful in providing a tax deduction but it is advised to thoroughly go through the details therein before arriving at a decision. The term of the loan is a maximum of 30 years and the minimum loan amount offered for this scheme is $20,000.
|
|
|
ANZ Fixed Rate Home Loan - The housing loan offered under this home loan scheme provides you with the information on your home loan repayment amount for a fixed term and provides you defense against rising interest rate. This home loan scheme is also applicable in a company's name and you can also avail tax deduction on the same. The fixed rate home loan is available for a maximum period of 30 years and can be availed for a term ranging from 1-5, 6 or 7 years aswell. The minimum amount of loan that can be availed is $20,000.
ANZ Equity Manager - Its an account service offered by ANZ that helps you to convert the property in your equity into an available reserve of funds up to an allowed limit. These funds can be utilized for various personal issue and any sort of principal amount repaid is liable to be redrawn by you. The fee charged towards the approval of the loan scheme is $600 and the minimum amount of loan that can be borrowed is $20,000.
ANZ Home Loan Rates:
Following is the pattern of ANZ Bank Housing Loan interest rate:
- The home loan interest charged on ANZ Simplicity Plus Home Loan is 5.11% p.a.
- The housing loan rates on ANZ Standard Variable Rate Home Loan is 5.81% p.a.
- Home Loan interest rates charged on ANZ Fixed Rate Home Loan is 5.45% for the year and 9.19% for a period of 10 years.
- Home Loan rates on ANZ Equity Manager is charged at 5.96% p.a.
ANZ Home Loan Calculator:
With a view to provide all possible support and assistance to the potential customers ANZ Bank provides online home loan calculators for different purposes on its website:
Home Loan Fee Calculator - When you buy a residential property a document called 'land transfer' is wedged and is recorded with an applicable State Titles Office. This document basically registers the changes made in the ownership of the property. ANZ home loan fee calculator automatically computes the amount of registration fee one needs to shell out. For appropriate calculation one is required to fill up the mandatory details asked on the ANZ Bank housing loans calculator to get the desired results.
ANZ Home Loan Calculator - The home loan applicant can compute an amount of home loan he is seeking to borrow using the online housing loan calculator available on the bank's website.
Home Loan EMI Calculator - The potential home loan applicant can utilize the online home loan EMI calculator in order to ascertain the amount of EMI or the installments he will have to pay off as part of loan repayment and can also get an estimate of how much a particular home loan scheme is going to cost him/her.
ANZ HOME LOANS NZ - NEW ZEALAND:
ANZ New Zealand also offers home loan schemes for different purposes ranging from purchasing a home to constructing a home or may be even to make an investment in the realty sector. ANZ NZ Home Loan schemes are tailor-made to suit the individual needs and requirements of different home loan seekers. ANZ NZ home loan options are also outlined according to the ANZ Home loans. New Zealand division of the bank maintains a special website for ANZ Home Loans NZ and provides all the relevant information on ANZ NZ home loan rates, home loan calculator, home loan customer care helpline service, repayment options etc.
ANZ Home Loan Customer Care:
ANZ Bank provides all the necessary assistance and guidance to the home loan seekers through its top-class customer service. The potential home loan borrowers as well as the existing home loan customers can call the customer care executives anytime and from anywhere to post their enquiry, to register complaints, to give their feedback on the home loan services offered by ANZ. The customers can also visit the nearest ANZ branch and can take an appointment for the meeting online itself.
ANZ Home Loan toll free hotline No.: 1800 100 641(Between 8am to 11pm)
International ANZ Home Loan Hotline No.: +61 3 9317 2200
For ANZ NZ Home loans call: 0800 269 4663
For further on ANZ Home loans you can visit: www.anz.com
For ANZ Home Loan NZ visit: www.anz.co.nz
|
| |
Home Loan Calculator |
|
|
| Bank Name |
Type |
Loan Eligibility
(Rs. in Lacs) |
Interest Rate
(%) |
EMI
(Rs.) |
Processing
Fee |
Initial
|
Average
|
SBI Bank
|
Fixed |
18 to 26 |
8.0 |
9.56
|
19113
|
Nil |
| The fixed rate of interest offered by the State Bank Of India is 8% for the first year and changes to 8.5% for 2nd and 3rd year and finally changes to 2.75% below SBAR from the 4th year onwards. |
| The charges towards prepayment of the interest amount is NIL(if its prepaid from the own source) but 2% amount is charged on the principal amount in other cases. |
|
|
|
|
