Vic Wasteland Thread

[Sunkist]

sigh... it's the listed address for these guys

http://www.noteprinting.com/index1.shtml

This is what I think of you

http://youtu.be/IMMp0D_t6IU

[dezz]

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

[dezz]

And if anyone knows of a cheap/reliable daily, preferably something small or just cheap to run (LPG), let me know.

[Sunkist]

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

[Down_Shift]

Aaron, words can't describe how normal you are..... lol

[dezz]

Waiting isn't really an option....need a car

I'll be able to pay off $5k pretty quickly anyway, just need the cash upfront to buy the car obviously

[Sunkist]

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

[Sunkist]

Aaron, words can't describe how normal you are..... lol

Lmao

[dezz]

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?

[Sunkist]

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

[dezz]

True, that's another option...Guess I better start car shopping

[blah_blah]

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

[UNR33L]

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 ?

[Birds]

Should be able to use equity in home loan to purchase depreciating asset.

Ergo, vis-a-vis, concordantly...

[Sunkist]

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?

[Miguelone]

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.

[dezz]

Intriguing

[Birds]

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?

[Sunkist]

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

Never thought of that..

Loopholes ftw

[alr33x]

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!