Credit (Commonwealth Bank Home Loan Exemption) Order 1996
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1 Queensland Credit Act 1987 Credit (Commonwealth Bank Home Loan Exemption) Order 1996 Reprinted as in force on 2 August 1996 Reprint No. 0A This reprint is prepared by the Office of the Queensland Parliamentary Counsel Warning This reprint is not an authorised copy NOT FURTHER AMENDED LAST REPRINT BEFORE REPEAL See SIA s 54
2 Information about this reprint This order is reprinted as at 2 August Minor editorial changes allowed under the provisions of the Reprints Act 1992 have been made to use aspects of format and printing style consistent with current drafting practice (s 35). This page is specific to this reprint. A table of reprints is included in the endnotes. Also see endnotes for information about when provisions commenced. Dates shown on reprints Reprints dated at last amendment All reprints produced on or after 1 July 2002, hard copy and electronic, are dated as at the last date of amendment. Previously reprints were dated as at the date of publication. If a hard copy reprint is dated earlier than an electronic version published before 1 July 2002, it means the legislation was not further amended and the reprint date is the commencement of the last amendment. If the date of a hard copy reprint is the same as the date shown for an electronic version previously published, it merely means that the electronic version was published before the hard copy version. Also, any revised edition of the previously published electronic version will have the same date as that version. Replacement reprint date If the date of a hard copy reprint is the same as the date shown on another hard copy reprint it means that one is the replacement of the other.
3 Queensland Credit (Commonwealth Bank Home Loan Exemption) Order 1996 Contents Page 1 Short title Definitions Exemption Endnotes 1 Index to endnotes Date to which amendments incorporated Key Table of reprints List of legislation
4
5 s 1 3 s 3 Credit (Commonwealth Bank Home Loan Exemption) Order 1996 Credit (Commonwealth Bank Home Loan Exemption) Order 1996 [reprinted as in force on 2 August 1996] 1 Short title This order in council may be cited as the Credit (Commonwealth Bank Home Loan Exemption) Order Definitions In this order bank means the Commonwealth Bank of Australia ACN housing loan account means an account kept by the bank under a housing loan contract. housing loan contract see schedule 9, section 2(1) of the Act. private dwelling house see schedule 9, section 2(1) of the Act. repayment redraw facility means a facility the bank calls a repayment redraw facility. 3 Exemption (1) Parts 3 to 8 of the Act do not have effect in relation to a repayment redraw facility. (2) Subsection (1) applies only if the repayment redraw facility is provided by the bank to a debtor who has a housing loan contract with the bank and (a) the amount of credit available under the facility at any time is not more than the total of (i) the amount of repayments made in excess of the repayments required by the debtor s housing loan contract; and
6 s 3 4 s 3 Credit (Commonwealth Bank Home Loan Exemption) Order 1996 (b) (c) (d) (ii) any savings, arising from the extra repayments, in interest that would otherwise have been charged to the debtor s housing loan account; and the credit provided under the facility is recorded in the debtor s housing loan account; and the interest rate on the facility is not more than the interest rate applying to the debtor s housing loan account; and the facility terminates when the debtor s housing loan account is repaid.
7 5 Credit (Commonwealth Bank Home Loan Exemption) Order 1996 Endnotes 1 Index to endnotes Page 2 Date to which amendments incorporated Key Table of reprints List of legislation Date to which amendments incorporated This is the reprint date mentioned in the Reprints Act 1992, section 5(c). However, no amendments have commenced operation on or before that day. Future amendments of the Credit (Commonwealth Bank Home Loan Exemption) Order 1996 may be made in accordance with this reprint under the Reprints Act 1992, section Key Key to abbreviations in list of legislation and annotations Key Explanation Key Explanation AIA = Acts Interpretation Act 1954 (prev) = previously amd = amended proc = proclamation amdt = amendment prov = provision ch = chapter pt = part def = definition pubd = published div = division R[X] = Reprint No.[X] exp = expires/expired RA = Reprints Act 1992 gaz = gazette reloc = relocated hdg = heading renum = renumbered ins = inserted rep = repealed lap = lapsed (retro) = retrospectively notfd = notified rv = revised edition o in c = order in council s = section om = omitted sch = schedule orig = original sdiv = subdivision p = page SIA = Statutory Instruments Act 1992 para = paragraph SIR = Statutory Instruments Regulation 2002 prec = preceding SL = subordinate legislation pres = present sub = substituted prev = previous unnum = unnumbered
8 6 Credit (Commonwealth Bank Home Loan Exemption) Order Table of reprints Reprints are issued for both future and past effective dates. For the most up-to-date table of reprints, see the reprint with the latest effective date. If a reprint number includes a letter of the alphabet, the reprint was released in unauthorised, electronic form only. Reprint Amendments included Effective Notes No. 0A none 2 August List of legislation Credit (Commonwealth Bank Home Loan Exemption) Order 1996 SL No. 198 made by the Governor in Council on 30 July 1996 notfd gaz 2 August 1996 pp commenced on date of notification exp 1 September 2006 (see SIA s 54) Note The expiry date may have changed since this reprint was published. See the latest reprint of the SIR for any change. State of Queensland 2006
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