Skip to content

Instantly share code, notes, and snippets.

@hoandang

hoandang/data.xml

Last active August 29, 2015 14:23
Show Gist options
  • Save hoandang/a9f837da38517b37eefa to your computer and use it in GitHub Desktop.
Save hoandang/a9f837da38517b37eefa to your computer and use it in GitHub Desktop.
Download ZIP
data
Raw
data.xml
<?xml version="1.0" encoding="iso-8859-1"?>
<data>
<row>
<product>Line of Credit Fixed =&lt;$750k</product>
<bank>Macquarie Bank</bank>
<rate>4.690</rate>
<initial_rate_type>F</initial_rate_type>
<initial_rate>4.390</initial_rate>
<initial_rate_period>12</initial_rate_period>
<application_fees>0</application_fees>
<application_fee_notes>&lt;B&gt;Establishment Fee&lt;/B&gt;&lt;BR&gt;
One standard valuation up to a property value of $1 million is covered by the application fee. Actual cost of valuation may be passed on over this threashold. A "Valuation Update Fee" of $110 will also be payable if the original valuation was obtained three months or more before settlement.&lt;BR&gt;
&lt;BR&gt;
&lt;b&gt;Lender Legals&lt;/B&gt;&lt;BR&gt;
Documentation Fee of $330 (+GST) payable on new applications to solicitors for preparation of a loan and security documents relating to the settlement of the loan&lt;BR&gt;
&lt;BR&gt;
&lt;b&gt;Additional Valuation fee&lt;/b&gt;&lt;BR&gt;
At cost fee will be passed onto client. A "Valuation Update Fee" of $110 will also be payable if the original valuation was obtained three months or more before settlement.&lt;BR&gt;
&lt;BR&gt;
&lt;B&gt;Construction fees&lt;/B&gt;&lt;BR&gt;
A one off fee will ba payable on all construction loans based on total building contract price. Fee covers all processing, valuation inspections and loan draw-downs during the construction period&lt;BR&gt;
Contract &lt;= $250,000 = $699&lt;BR&gt;
Contract &gt; $250,000 = $999&lt;BR&gt;
&lt;BR&gt;
&lt;B&gt;Product Switch Fee&lt;/B&gt;&lt;BR&gt;
Switching from Principal Interest to interest Only Repayments; Or Interest Only to Principal and Interest Only a General Consent Fee of $60 is payable.&lt;BR&gt;
Requests for Additional Accounts will have a General Consent fee of $100.&lt;BR&gt;
Principal increases, partial release of security, subsequent dealings, substitutions, product variations or any other variation request not covered above will be charged a General Consent Fee of $250. &lt;BR&gt;
Third Party Fees such as solicitor costs and valuations required as part of a product variation will be charged at cost. &lt;BR&gt;
&lt;BR&gt;
&lt;B&gt;Annual/Monthly&lt;/B&gt;&lt;BR&gt;
&lt;BR&gt;
</application_fee_notes>
<construction_fees>0</construction_fees>
<annual_fees>0</annual_fees>
<monthly_fees>0</monthly_fees>
<early_payout_fee/>
<discharge_fee>400</discharge_fee>
<product_switch_fee>0</product_switch_fee>
<minimum_loan_amount>150000</minimum_loan_amount>
<maximum_loan_amount>749999</maximum_loan_amount>
<maximum_term>30</maximum_term>
<maximum_lvr_own_occ>90</maximum_lvr_own_occ>
<maximum_lvr_investment>90</maximum_lvr_investment>
<maximum_lvr_refinance>90</maximum_lvr_refinance>
<maximum_lvr_notes>Maximum Loan Amounts / LVR: &lt;BR&gt;
* Loan amounts &gt;$2m LVR considered on a case by case only. &lt;BR&gt;
10% genuine savings required for Investment purchases over 85%.&lt;BR&gt;
LMI capitalisation is allowed for PI Purchase only Interest Only and other purposes limited to 90% including capitalisation.&lt;BR&gt;
&lt;BR&gt;
LVR restrictions apply to the following situations:&lt;BR&gt;
* Off the plan purchases: 80% LVR.&lt;BR&gt;
* High density investment units: 80% LVR&lt;BR&gt;
* Serviced apartments considered: &gt;40sqm to 70% LVR.&lt;BR&gt;
* Studio apartments / Bed sitters considered: &gt;40sqm to 60% LVR&lt;BR&gt;
* Rural Residential properties considered: 20ha at 70% LVR and 40ha at 60% LVR.&lt;BR&gt;
* Equity release / Cash Out: max 20% of security value or $100k where LVR &gt;80% for GNW-insured loans or &gt;75% for QBE. &lt;BR&gt;
*For high priced security property the following limits are to apply:&lt;BR&gt;
Security value:&lt;BR&gt;
NSW - $3,000,000&lt;BR&gt;
VIC - $2,000,000&lt;BR&gt;
QLD - $1,500,000&lt;BR&gt;
WA - $1,250,000&lt;BR&gt;
SA - $1,000,000&lt;BR&gt;
Policy Exception and Criteria apply - please refer to Macquarie BDM&lt;BR&gt; </maximum_lvr_notes>
<minimum_lodoc_loan_amount>0</minimum_lodoc_loan_amount>
<maximum_lodoc_loan_amount>0</maximum_lodoc_loan_amount>
<maximum_lvr_lodoc>0</maximum_lvr_lodoc>
<maximum_lvr_nodoc>0</maximum_lvr_nodoc>
<maximum_lvr_lodoc_notes/>
<maximum_loan_vacant_land>0</maximum_loan_vacant_land>
<maximum_lvr_vacant_land>0</maximum_lvr_vacant_land>
<vacant_land_description>Land only available as part of construction loan where construction is ready for immediately first first progress draw within three months of land settlement. Construction must be completed within 9 months of initial settlement.&lt;BR&gt;
&lt;BR&gt;
Construction limited to Metro locations only with maximum construction loan size $2,000,000. For loan amounts greater than $1m must be Catagory 1 Location.&lt;BR&gt;
Construction price not to exceed 50% of the loan size, where the loan is $1m ≥ $2m.&lt;BR&gt;</vacant_land_description>
<maximum_lvr_spec_builder>90</maximum_lvr_spec_builder>
<maximum_lvr_owner_builder>0</maximum_lvr_owner_builder>
<low_doc_allows_payg>N</low_doc_allows_payg>
<no_doc>N</no_doc>
<max_lvr_non_genuine_savings>0</max_lvr_non_genuine_savings>
<minimum_genuine_savings>0</minimum_genuine_savings>
<bridging_loan>N</bridging_loan>
<portable>Y</portable>
<commercial>N</commercial>
<company_flag>Y</company_flag>
<trust>Y</trust>
<atm_access>Y</atm_access>
<branch_access>N</branch_access>
<aust_post_access>Y</aust_post_access>
<phone_access>Y</phone_access>
<net_access>Y</net_access>
<bpay_access>Y</bpay_access>
<cheqbook>Y</cheqbook>
<description_of_access>* Fees apply to: ATM withdrawals after the first 8 each month, ATM Balance Inquiries, BPAY deposits, EFTPOS transactions Cheque book.&lt;BR&gt;</description_of_access>
<description_of_company>Directors must be guarantors of the loan.&lt;BR&gt;</description_of_company>
<description_of_trust/>
<full_offset>N</full_offset>
<partial_offset>N</partial_offset>
<description_of_partial_offset/>
<loc>Y</loc>
<redraw_allowed>Y</redraw_allowed>
<minimum_redraw_amount>0</minimum_redraw_amount>
<fee_per_redraw>0</fee_per_redraw>
<pni_repayments>N</pni_repayments>
<io_repayments>Y</io_repayments>
<capitalise_interest>Y</capitalise_interest>
<interest_in_advance>N</interest_in_advance>
<maximum_interest_only_term>5</maximum_interest_only_term>
<io_allowed_for_own_occ>Y</io_allowed_for_own_occ>
<extra_repayments_allowed>Y</extra_repayments_allowed>
<extra_repayment_description>Manual redraw fee $50.&lt;BR&gt;
PI repayments allowed after 5 years&lt;BR&gt;
&lt;BR&gt;
IO owner occupied loans have a maximum LVR of 90%, including LMI capitalisation.&lt;BR&gt;</extra_repayment_description>
<weekly_repayment>N</weekly_repayment>
<fortnightly_repayment>N</fortnightly_repayment>
<monthly_repayment>Y</monthly_repayment>
<direct_salary_crediting>N</direct_salary_crediting>
<notes>&lt;BR&gt;
Interest is charged on the first business day of each month.&lt;BR&gt;
No loan repayments are required during the Interest Only period as long as the limit is not breached.&lt;BR&gt;
Family guarantee option available. &lt;BR&gt;
Following the initial Interest Only Term of five years, loans may be extended to a maximum of ten years interest only term from the original settlement date. &lt;BR&gt;</notes>
<capitalise_lmi>Y</capitalise_lmi>
<initial_interest_rate2>4.490</initial_interest_rate2>
<initial_interest_rate3>4.590</initial_interest_rate3>
<initial_interest_rate4>4.890</initial_interest_rate4>
<initial_interest_rate5>4.890</initial_interest_rate5>
<initial_interest_rate6>0.000</initial_interest_rate6>
<initial_interest_rate7>0.000</initial_interest_rate7>
<initial_rate_period2>24</initial_rate_period2>
<initial_rate_period3>36</initial_rate_period3>
<initial_rate_period4>48</initial_rate_period4>
<initial_rate_period5>60</initial_rate_period5>
<initial_rate_period6>0</initial_rate_period6>
<initial_rate_period7>0</initial_rate_period7>
<pk_name>OO + PI special offer </pk_name>
<pk_roll_rate>0.000</pk_roll_rate>
<pk_initial_interest_rate>0.150</pk_initial_interest_rate>
<pk_minimum_loan_amount>150000</pk_minimum_loan_amount>
<pk_maximum_loan_amount>2000000</pk_maximum_loan_amount>
<pk_application_fees>0</pk_application_fees>
<pk_annual_fees>0</pk_annual_fees>
<pk_monthly_fees>0</pk_monthly_fees>
<pk_notes>15bps for Owner Occupied loans (OO) on PI repayments, for 1-5 year fixed terms.&lt;BR&gt;
&lt;BR&gt;
Please note:&lt;BR&gt;
• Available from Monday 9 February 2015 for new applications and pipeline loans that settle by &lt;B&gt;30 April 2015&lt;/B&gt;&lt;BR&gt;
• Existing loans where the primary purpose is owner-occupied and the client is making PI variable repayments are also eligible for the discounted fixed rates&lt;BR&gt;
• Existing clients making variable interest only repayments, and the primary loan purpose is owner-occupied, may switch their repayments to PI and fix all or part of their loan&lt;BR&gt;
• This is offer is not available on SMSF, Accommodation Bond Loans or Reverse Mortgage.&lt;BR&gt;
&lt;BR&gt;</pk_notes>
<pk_do_appfees>O</pk_do_appfees>
<pk_do_annfees>O</pk_do_annfees>
<pk_do_mthfees>O</pk_do_mthfees>
<pk_charge_app_fee_in_init_term>N</pk_charge_app_fee_in_init_term>
<pk_switch_fee_from_init_to_roll>0</pk_switch_fee_from_init_to_roll>
<pk_charge_monthly_fee_in_init_term>N</pk_charge_monthly_fee_in_init_term>
<pk_charge_annual_fee_in_init_term>N</pk_charge_annual_fee_in_init_term>
<pk_company>N</pk_company>
<pk_trust>N</pk_trust>
</row>
</data>
Sign up for free to join this conversation on GitHub. Already have an account? Sign in to comment