PERSONAL LOANS (Including Secured & Unsecured Term Loans:
Set Personal Loan - Revolving and Reducing)
Establishment Fees
Up to $499.00 $50.00
$500.00 to $4,999.99 $100.00
$5,000.00 to $14,999.99 $200.00
$15,000.00 to $49,999.99 $500.00
$50,000 and over 1% of limit amount
Personal Loans for Medical & Funeral and Discounted by 25% Education and Loans secured against TD
Arrears Fee
Arrears Fee $25.00 per action
Line of Credit Fee (Personal Revolving Loans only)
Based on the Tiered Balance - based on the Balance of loan as at end of month.
Balance Per Month
Up to $4,999.99 $5.00
$5,000.00 to $14,999.99 $10.00
$15,000.00 to $49,999.99 $25.00
$50,000.00 to $99,999.99 $30.00
$100,000.00 to $499,999.99 $50.00
$500,000.00 to $999,999.99 $100.00
$1M and over $300.00
HOUSING LOANS (Includes Owner Occupied & Residential Investment Property Loans
offered under Super Dream, Dream, Executive, Disaster Rehab-Dream Packages)
Establishment Fees
Up to $499.00 $50.00
$500.00 to $4,999.99 $100.00
$5,000.00 to $14,999.99 $200.00
$15,000.00 to $49,999.99 $500.00
$50,000 and over 1% of limit amount
1st Home Loan and Loans secured against TD Discounted by 25% FNPF Fee
FNPF Housing Application Fee $100.00 per application (plus FNPF costs) Product Switch Fee
Switch Fee or Restructure $300.00 per account
Arrears Fee
HOUSING LOANS cont'd…. Inspection Fee
Inspection Fee $50.00 per visit
BUSINESS LOANS (All Commercial related funding: Plus Point, Property Investment, Top
Gear, Working Capital, Indemnity Guarantee, EXIM, SME, Cane Farm, Rural Micro
Finance and Disaster Rehab facilities)
Establishment Fees
Up to $499.00 $50.00
$500.00 to $4,999.99 $100.00
$5,000.00 to $14,999.99 $200.00
$15,000.00 to $49,999.99 $500.00
$50,000 and over 1% of limit amount
Loans secured against TD Discounted by 25%
Arrears Fee
Arrears Fee $25.00 per action
Line of Credit Fee (Personal Revolving Loans only)
Based on the Tiered Balance - based on the Balance of loan as at end of month.
Balance Per Month
Up to $4,999.99 $5.00
$5,000.00 to $14,999.99 $10.00
$15,000.00 to $49,999.99 $25.00
$50,000.00 to $99,999.99 $30.00
$100,000.00 to $499,999.99 $50.00
$500,000.00 to $999,999.99 $100.00
$1M and over $300.00
RURAL BANKING MICRO-FINANCE LOAN
Loan Administration Charge $5.00 per month
Loan Arrears Fee (charged once a month if a $25.00 per default repayment is not made in that month)
CANE FARM LOAN
LOAN ADMINISTATION/MONTHLY SERVICE FEES
(Charged on all Term Loan Accounts only)
Balance Per Month
1st Home Loan Nil
Up to $4,999.99 $5.00
$5,000.00 to $14,999.99 $10.00
$15,000.00 to $49,999.99 $25.00
$50,000.00 to $99,999.99 $30.00
$100,000.00 to $499,999.99 $50.00
$500,000.00 to $999,999.99 $100.00
$1M and over $300.00
LOAN REDRAW FEE (Redraw Account)
Up to $4,999.99 $25.00
$5,000.00 to $14,999.99 $50.00
$15,000.00 to $49,999.99 $100.00
$50,000.00 to $999,999.99 $250.00
$1M and over 0.5% of the redraw amount
DEMAND NOTICE FEE (per action)
Loan and Overdrafts less than $300,000.00 $100.00 per demand plus out of pocket expenses Loan and Overdrafts $300,000.00 and over $500.00 per demand plus out of pocket expenses
MORTGAGEEE SALE ADMIN FEE (per action)
Loan and Overdrafts less than $300,000.00 $500.00 per action Loan and Overdrafts $300,000.00 and over $750.00 per action
SETTLEMENT OUTWARD FEE (at settlement)
All Customers $100.00
Issue of settlement letter $50.00 per letter
Mortgage Discharge Fee including Bill of Sale $200.00 plus $25.00 per additional document Discharge of Term Deposit & Life Policy Assignment $50.00 per document
DOCUMENTATION FEES AND CHARGES
Security Documentation Fee
Assignment over Deposits and Life Policies $100.00 plus $50.00 per additional document and Microfinance Loans (if Secured)
Bill of Sale or Crop Lien (including renewal) $250.00 per document
Mortgage (Personal/Housing/Cane Farm/ $450.00 plus $50.00 per additional document Agricultural/SME/Executive Loans)
DOCUMENTATION FEES AND CHARGES cont'd….
Mortgage (Business Loans) $800.00 plus $100.00 per additional document FNPF Documentation (Housing Loans) $200.00 per document plus $50.00 per
additional document Search Fee
Registration Search Fee $20.00 per registration
Company Search Fee $20.00 per company
Bill of Sale Search Fee $20.00 per vehicle per financer
Title Search Fee $20.00 per title
LTS Search Fee $20.00 per vehicle
Consent Fee
All customers Nil
UNSTAMPING FEE & RENEWAL FEE
(at settlement)
Personal/Housing loans $250.00 plus $50.00 per additional document
Executive loans $250.00 plus $50.00 per additional document
Business loans $500.00 plus $50.00 per additional document
Asset finance Nil
FNPF unstamping $200.00 per unstamping of documents
Document Retrieval Fee
Photocopy of security documents $5.00 per page Document Production Fee
All loans $75.00 per document
Each additional document $25.00 per document
Photocopy charges for other document $2.00 per page Execution of documents by Bank's Attorney Nil
VALUATION FEES
Agricultural/Cane Farm Properties $200.00
Residential Properties
Vacant land $250.00
Single storey $280.00
Double storey / 2 Units $350.00
Multi units $450.00
Additional fee for outside Business area * $50.00 plus out of pocket expenses * Beyond a 30km radius from unusual business location of Panel Valuer.
VALUATION FEES cont'd….
Commercial and Industrial Properties
All SME loans $280.00
All Commercial and Industrial properties $450.00 valuation up to $500,000.00
All Commercial and Industrial properties $550.00 valuation above $500,000.00
Additional fee outside Business area * Nil * Beyond a 30km radius from unusual business location of Panel Valuer. Plant Machinery Valuation
Plant $1,000.00 per plant (incl. equipment)
Machinery $500.00 per machine (incl. equipment)
Desk and Curbside Valuation
Desk valuation $100.00
Curbside valuation 50% of the existing structured fee
Insurance Valuation
Single structure $180.00
Multiple structures $180.00 plus $50.00 per additional structure
INDEMNITY GUARANTEE
Indemnity Guarantee Establishment Fee:
Indemnity Guarantee: - Personal/Business Gurantees or Bonds issued by the Bank on behalf of the customer for Customs, Electricity, Payment of Cheques, Perfomance Contracts, Immigration Bonds etc.
Establishment charge Personal 1.5% (min $50.00)
Executive 1.5% (min $75.00) Business 1.5% (min $100.00)
Half yearly charge Personal 1.5% (min $25.00)
Executive 1.5% (min $50.00) Business 1.5% (min $100.00) Indemnity Guarantee Cancellation Fee:
All customers $50.00 per IG
NON COMPLIANCE RATE
Non submission of financial data, breach of Plus 2% per annum on existing prevailing covenant/conditions on expiry advice notices rate
COMMITMENT FEE - PERSONAL/BUSINESS
1% per annum on the amount of unused limit/undrawn balance charged on the
Fee is charged where Credit Facility is not drawn anniversary date of loan acceptance (i.e. after within 3 months of Acceptance of Loan Offer 3 months have lapsed) and thereafter on
monthly basis until the loan is fully advanced. Exemption may be allowed on case by case pending security documentation.
LETTER OF UNDERTAKING
Issued for Visa purposes (each letter) $50.00
INSURANCE PREMIUMS
Paid on behalf of customer (Life Insurance only) $20.00 per transfer Paid on behalf of customer (Mortgage Protection $20.00 per transfer Insurance)
Paid on behalf of customer (General Insurance) All household premiums $20.00
OPTIONS / AUDIT CONFIRMATION CERTIFICATES
Issued at customer's request $50.00 per request
STATEMENTS
Statements issued every 6 months Free
Special requests for issue of statements on a $2.00 per statement daily, weekly, monthly etc. Basis
Repeat statements (each additional copy) $5.00 per statement Computer printout over the counter $2.00 per page
