FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal. That means we will charge interest on that amount until you pay it. We will charge you any costs charged by third parties relating to your Loan or this Agreement (e.g. repossession agent, legal provider, repairer). We can provide copies of the invoices on request. $3.00 $89.00 $341.00 $1460.00 Actual Cost $0.36c plus 1.63% of the payment amount Actual Cost *Fees may be changed under clause 12.2(b)(ii) of the General Terms. CONSUMER LOAN & SECURITY GENERAL TERMS Clause 1: Understanding and interpreting this Agreement This Agreement has two parts: • these General Terms • the Commercial Terms (at the front of these General Terms) which includes the SCHEDULE OF PAYMENTS and the Fee Schedule. Read both parts carefully. Ask for help if there is anything you don’t understand. We use ordinary words where possible. But sometimes we have to use legal words or terms because there is no ordinary word with the same meaning. To help you, we have added some explanations in italics. Also, some of the ordinary words we use have special meanings in this Agreement. We explain some legal and ordinary words, and set out the rules for interpreting this Agreement, in the Dictionary (clause 16).
FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal. That means we will charge interest on that amount until you pay it.
FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal. That means we will charge interest on that amount until you pay it. CONSUMER LOAN & SECURITY GENERAL TERMS Clause 1: Understanding and interpreting this Agreement This Agreement has two parts: these General Terms the Commercial Terms (at the front of these General Terms) which includes the SCHEDULE OF PAYMENTS and the Fee Schedule. Read both parts carefully. Ask for help if there is anything you don’t understand. We use ordinary words where possible. But sometimes we have to use legal words or terms because there is no ordinary word with the same meaning. To help you, we have added some explanations in italics. Also, some of the ordinary words we use have special meanings in this Agreement. We explain some legal and ordinary words, and set out the rules for interpreting this Agreement, in the Dictionary (clause 16).
FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal. That means we will charge interest on that amount until you pay it. SCHEDULE OF STANDARD FEES AND CHARGES APPLIED TO EXTEND SECURED LOANS* MODIFICATIONS Variation Fee We may charge you this fee if you make a part prepayment of the Loan and we have to change the amounts and/or dates in the Schedule of Payments as a result, or if we agree to vary the terms of this Agreement or any other Relevant Document. A maximum fee of $80.00 COLLECTIONS Repossession Warning Notice Fee We will charge you this fee if we have to send you a Repossession Warning Notice. We usually do this 12-15 days after you have breached this Agreement (e.g. overdue payments). $48.00 Couriered Letter Fee We will charge you this fee if a letter is couriered to you. Letters may be couriered to you if your Loan is in arrears and/or we are having difficulty contacting you about your Loan. $3.00 Dishonoured payment Fee We will charge you this fee if your bank dishonours a payment you make to us. $3.00 Repossession Warrant Fee We will charge you this fee if we have to instruct an agent to repossess the Goods (for example, due to overdue payments). $134.00 Repossession Fee We will charge you this fee if we have to repossess the Goods. $149.00 Repossessed Vehicle Sales Fee We will charge you this fee if we sell the Goods. We select the method of sale in order to obtain the best price reasonably obtainable for the Goods and the fee will differ depending on how the Goods are sold as follows: If we sell the Goods through our outlet, as a registered motor vehicle trader; OR If we sell the Goods in any other manner. $770 Actual Cost Debit card fee We will charge you this fee when you make a payment on your Loan by debit card. The fee for each payment will be $0.36c plus 1.63% of the payment amount. This fee will be deducted from your payment when it is made. $0.36c plus 1.63% of the payment amount Recovery Costs We will charge you any costs charged by third parties relating to your Loan or this Agreement (e.g. repossession agent, legal provider, repairer). We can provide copies of the invoices on request. Actual Cost *Fees may be changed under clause 12.2(b)(iii) of the General Terms. EXTEND LOAN & SECURITY AGREEMENT GENERAL TERMS Clause 1: Understanding and interpreting this Agreement This Agreement has two parts: • these General Terms • the Commercial Terms (at the front of these General Terms) which includ...
FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal (unless it is paid separately). That means we will charge interest on that amount until you pay it. GENERAL TERMS Clause 1: Understanding and interpreting this Agreement This Agreement means this Home Loan Agreement including: • these General Terms • the Commercial Terms • the Other Key Information • the Fee Schedule. Read each part carefully. Ask for help if there is anything you don’t understand. We use ordinary words where possible. But sometimes we have to use legal words or terms because there is no ordinary word with the same meaning. To help you, we have added some explanations in italics. Also, some of the ordinary words we use have special meanings in this Agreement. We explain some legal and ordinary words, and set out the rules for interpreting this Agreement, in the Dictionary (clause 13). Clause 2: Getting your Loan
FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal. That means we will charge interest on that amount until you pay it. If we register a mortgage over your property at any time, we will charge you mortgage registration costs. MODIFICATIONS Variation Fee $39.00 We will charge you this fee if we agree you can make an unscheduled part prepayment of the Loan and we have to change the amounts and dates in the SCHEDULE OF PAYMENTS on page 1 of these Commercial Terms as a result, or if we agree to release our security interest in the Goods and substitute it with a security interest over other Goods. Refinance Fee $222.00 We will charge you this fee if we change the terms of the Loan to help you if you are having difficulty keeping up with your payments, or if you want to change the term (length) of the Loan. COLLECTIONS
FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal (unless it is paid separately). That means we will charge interest on that amount until you pay it. We may also charge you for any costs that we incur on your behalf (e.g. arranging insurance over the Property if you fail to do so) or to compensate us for any other costs or losses we incur (e.g. our administrative costs) if you breach this Agreement, the Mortgage or any other Relevant Document or we take steps to enforce or protect our rights or our security. We can provide copies of the invoices on request. Other prepayment costs (if fixed rate) We may charge you this fee if you make a full or part prepayment under this Agreement and any prepaid Loan Portion has an Annual Interest Rate which is fixed for any period ending after the prepayment date. Reasonable estimate of our loss (see under “Prepayment” in the Other Key Information section for more information) GENERAL TERMS Clause 1: Understanding and interpreting this Agreement This Agreement means this Home Loan Agreement including: • these General Terms • the Commercial Terms • the Other Key Information • the Fee Schedule. Read each part carefully. Ask for help if there is anything you don’t understand. We use ordinary words where possible. But sometimes we have to use legal words or terms because there is no ordinary word with the same meaning. To help you, we have added some explanations in italics. Also, some of the ordinary words we use have special meanings in this Agreement. We explain some legal and ordinary words, and set out the rules for interpreting this Agreement, in the Dictionary (clause 13). Clause 2: Getting your Loan
FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal. That means we will charge interest on that amount until you pay it. We may charge you this fee if you make a part prepayment of the Loan and we have to change the amounts and/or dates in the Schedule of Payments as a result, or if we agree to vary the terms of this Agreement or any other Relevant A maximum fee of $21.00 We will charge you this fee if we sell the Goods. We select the method of sale in order to obtain the best price reasonably obtainable for the Goods and the fee will differ depending on how the Goods are sold as follows: If we sell the Goods through our outlet, as a registered motor vehicle trader; OR If we sell the Goods in any other manner. $1460.00 Actual Cost Debit card fee We will charge you this fee when you make a payment on your Loan by debit card. The fee for each payment will be $0.36c plus 1.63% of the payment amount. This fee will be deducted from your payment when it is made. $0.36c plus 1.63% of the payment amount *Fees may be changed under clause 12.2(b)(iii) of the General Terms.
FEES AND COSTS ADDED TO LOAN BALANCE. If we charge you any of the above fees or costs, we will add that amount to the Loan principal (unless it is paid separately). That means we will charge interest on that amount until you pay it. DEFAULT FEES Recovery costs Actual cost We may charge you for any costs charged by third parties which relate to your Loan, this Agreement, the Mortgage or any other Relevant Document (e.g. legal fees). We can provide copies of the invoices on request. Other costs Actual cost We may charge you for any other costs that we incur on your behalf in accordance with this Agreement, the Mortgage or any other Relevant Document (e.g. arranging insurance over the Property if you fail to do so). We can provide copies of the invoices on request.
