This information is provided by in1bank Limited ABN 62 627 541 011, AFSL & Australian credit licence 515926 and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you.

Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements.

*LVR stands for the loan-to-value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Bank’s valuation may be different to the price you pay for a property. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.

**Comparison rate is based on the following assumptions: a loan amount of $150,000, a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

***The maximum Interest Only payment period over the life of a loan is 5 years for both owner-occupied and investment properties. During an Interest Only period, your Interest Only payments won't reduce your loan balance unless you choose to make additional repayments. At the end of an Interest Only period, your repayments will increase to cover Principal and Interest components.

^ A non-refundable annual fee of $395 is payable in advance.

The Home Loan Inquiry Form accessed via ‘Get Started’ is for enquiries only and does not represent final loan approval.

Rates are subject to change. Applications are subject to normal credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable.

Calculations are not a loan approval. Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Conditions apply to all loan options. Full terms and conditions will be set out in our loan offer, if an offer is made. Fees and charges are payable. Interest rates are subject to change. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice. You should also read our Terms and Conditions.

此中文版本仅供参考。若本文与英文原本有所出入，一切以英文原文为依据。

本信息由 in1bank Limited（澳洲商业编号 ABN 62 627 541 011，澳洲金融服务及信用牌照号 515926）提供，未考虑您的个人目标、财务状况或需求。您应自行考虑该信息是否适合您。

贷款审批标准、费用及收费适用。申请人必须居住在澳大利亚，并符合相关资格要求。

*贷款抵押率指的是贷款与房产价值比率，即您的贷款金额与银行对您用于担保贷款的房产估值之间的比例（以百分比表示）。银行的估值可能与您购买房产所支付的价格不同。新房贷的利率是根据初始贷款抵押率确定的，在贷款期限内不会因贷款抵押率的变化而调整。

**实际利率基于以下假设：贷款金额为 150,000 澳元，贷款期限为 25 年。**警告：此实际利率仅适用于所举示例，可能并未涵盖所有费用和收费。不同的贷款期限、费用或贷款金额可能导致不同的实际利率。

***贷款期限内的最长只还利息（Interest Only）还款期为 5 年，适用于自住和投资物业。在只还利息期间，您的还款仅涵盖利息部分，贷款本金不会减少，除非您选择额外还款。在只还利息期结束后，您的还款额将增加，以涵盖本金及利息。

^需预先支付不可退还的年费 395 澳元。

通过‘开始申请’进入的住房贷款咨询表仅用于咨询，并不代表最终的贷款批准。

利率如有更改，恕不另行通知。所有申请须通过常规信贷审批。完整的条款和细则将在我们的贷款报价中提供。可能需支付相关费用与收费。

贷款计算结果并不代表贷款获批。所有贷款申请需通过信贷审批，满足担保要求及最低首付款要求。所有贷款选项均受相关条件限制。如贷款获批，完整条款和细则将包含在我们的贷款报价中。可能需支付相关费用与收费。利率可能会有所变动。由于本建议未考虑您的个人目标、财务状况或需求，在根据该建议采取行动前，您应评估其是否适合您的情况。您也应阅读我们的条款和条件。