Jump to content
SAU Community

Recommended Posts

bank kunce

what's the better option

1. small personal loan (~$5k) for a car (through CBA)

2. refinance or whatever the correct term is, my home loan to get an extra $5k (if that's even possible). My current home loan interest rate is 5.97%

go

Wait a few months and save. Unless you're going to pay the loan of quickly there's no point in paying fees and interest. And if u can pay it off that quickly u may as well just save and not bother with the hassle.

It'll be a little hard to refi the mortgage for an extra 5k

Then I'd probably be applying for a credit card or increasing the limit if u currently have one. Just pay it off when u can and drop the limit. Personal loan will only be a few % cheaper if u can find a low rate card. Paying it off in a couple of months and your done

Will also take more than a week for some banks to get a loan where as a credit card limit increAse would be overnight in most cases

Got a 10k limit on my credit card... But think for cash advances the interest rate is stupid high...Don't know coz I've never used cash advance.

Might be an option considering most personal loans charge a fee if u pay it off within the first 12 months...

Hamish & Andy, insider opinion?

Yeh it will be a difference if you make a purchase of a car from a car yard as such. Then there is no cash advance as its a purchase.

There are heaps of yards that have cars for under 5k with onroads included

Lee cousin's mate is selling a blue r6 same as that one should be able to get it for ~8k maybe even less it's '07 but

Lemme know if you want details

Depends how many KMs on it, prefer 08 and newer due to revised engine but if the price is right.. what else can you tell me about it? bikepoint link ?

Is it that really that much of a hassle to refinance your home loan?

Say difference in interest rate is 6% for a personal loan, @ $5,000

It's only going to cost you about $25p/m

Yeh with justifying what the $5k is for since it most banks will want it to be for the house. Then valuations and all that shit, contract refi fees etc. PITA for just 5k..

Personal loan at 6%? Lol where?

Got a 10k limit on my credit card... But think for cash advances the interest rate is stupid high...Don't know coz I've never used cash advance.

Might be an option considering most personal loans charge a fee if u pay it off within the first 12 months...

Hamish & Andy, insider opinion?

Instead of a cash advance you could always send it to your paypal account then withdraw into your bank account.

Listening to RACV battery service guy talk crap to my mum about there being no difference between Lexus SC400 and Toyota Soarers and how they are both made by TRD...do correct or let ignorance slide?

Do u have redraw or offset account on ya mortgage you could tap? As said not worth refinancing for but then personal loan is higher rates and payout fees etc

Lovin the Audi so far and iphone5 oh how much better it is!

Guest
This topic is now closed to further replies.



  • Similar Content

  • Latest Posts

    • Totally equivalent. Stock often goes from the comp cover because that's where the actuator is also installed and the factory needs 2" of hose to make the connection - and it comes as a pre-assembled unit. They totally have a boost reference from somewhere between the turbo and the throttle(s). Oh, jeez. Just do it in M12 then. We don't actually care that much. I would expect any such AN converter fitting to rely on an o-ring or some other seal onto a flat surface under the flange of the hex**, because bolt threads are no intended to provide a pressure seal. unlike..... pipe threads. **which also requires a suitably flat and smooth surface on the turbo's boss to provide the seal.
    • I also used NP   That’s were it’s seems to be the best place to fit it? All schematic shows also that it’s should be referenced from the turbo housing. But idk, I do see high hp cars without any connection or anything to their turbos, so I really don’t know how they connect their things
    • I do have loctite 243 and 246 and a few more models. I could drill it now in place and make new threads for m12 and order an4 - m12 coupling and fit that to the turbo. Run a braided hose to the EBC which I could get a an4 to 1/8npt 
    • So M12 and sealant should be fine?    NPT ” because that’s what I had and what I could get atm. 
    • Wouldn’t touch par if they gave it to me. You need to ask how much power you’re looking to make and then add about 50% to it because that’s what you’ll end up making  The factory box says no more at about 350kw or so, the upgraded synchro boxes won’t handle much over 500kw for long and at that point you’re looking at an auto or dog engagement manual,  once you’ve gone dog engagement you may as well go sequential, they cost a little bit more but it’s worth it  also while you’re at it you should upgrade the transfer case with 10 friction plates 
×
×
  • Create New...