Interest Rates (Overdraft / Credit Card / Home Loan / Car Finance)

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broken1

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As a spin off to this thread, I thought maybe it would be useful to see what interest rates people are getting.

Obviously there are different risk profiles, but just to see if it's time for you to negotiate - or if you are getting a pretty sweet deal.

So....
Homeloan = Prime -2% (Registered 2008) (Year is important, as new loans are priced much higher)
Car Fiance = Prime - 0.25% (2010)
Credit Card = 16%
Overdraft = no overdraft
 
Homeloan = Prime -0.5% (Registered 2010) (100% bond too)
Car Finance = Prime - 2% (2008)
Credit Card = 14%
Overdraft = no overdraft
 
home loan = Prime (registered 2010, 90% Bond)
Car Finance= Prime -0.5% (2009)
Credit card = 16% (linked to prime somehow :))
Overdraft = 16%
 
Homeloan = Prime -1.5% (Registered 2008) (100% bond)
Car Finance = Fixed 17% (2008)
Car Finance = Prime +3 (2009)
Credit Card = 14.5%
Overdraft = no overdraft
 
Homeloan = Prime - 0.5 (2010) (90%loan)
Car Finance = None
Credit Card = 17%
Overdraft = No overdraft
 
Homeloan = No Homeloan
Car Finance = Prime - 1% (2009 - First finance application)
Credit Card = 14.5%
Overdraft = No overdraft
 
Sheeez ... I'm getting screwed!

Homeloan = Prime +1% (Registered 2009 and only 80% of bond)
Car Finance = Prime +1.7% (Registered 2010)
Credit Card = 19% (Account opened in 2007)
Overdraft = no overdraft
 
Homeloan = Prime +0.2% (Registered 2010 with gf that had NO credit history)
Car Finance = Prime (2009)
Credit Card = Note sure of FNB but Virgin = 14.5%
Overdraft = no overdraft
 
Interestingly enough, I asked a couple of family members and friends so I could add to this thread.

Everyone knows what they are paying for their home loan, but none of them knew what their overdraft and credit card interest rates were.
 
Homeloan = Prime - 1% (2010) (60% loan, balance paid in cash)
Car Finance = None
Credit Card = None
Overdraft = None
 
Some of you guys have nice rates on your cars for loans taken out in 2009 ...

As a first time car buyer, I got prime -1 on my car through Wesbank. When I bought my second car, they gave prime +1.something through them as well - and they blamed the recession. Seems I didn't argue enough ....
 
Homeloan: 8.15% (2007, 90% bond)
Car: None
CC: 15.5%
Overdraft: 10.5%

All linked to prime, whatever that is at the moment. After my (now ex) GF decided to empty out my CC I've decided to drop my overdraft and CC as soon as I've paid them up.
 
Me. Age 29.

Homeloan = None
Car Finance = Prime + 7%. [2010]. New car, first finance.
Credit Card = None
Overdraft = None
 
Yeah, that is what you get for not supporting the credit work horse. At least I've learnt from this. You HAVE to bargain your lending rates and you need credit to get credit (at standard rates).

At least I learnt this before purchasing a home :D
 
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