中介推荐HONG LEONG FINANCE 贷款，说这个月他家的配套比较划算， 可是他们是财务机构不是银行，值得信任吗？会不会有什么问题？下面是HLF 发给我的。有没有谁跟他们贷款的？有经验的给点意见啊?
HDB Package as at 25/1/2011:
Interest Rate (%pa)Variable Rate2 Yr Fixed Rate 3 Yr Fixed Rate 5 Yr Fixed Rate1st Year0.90% (HHR – 3.35%)1.18% Fixed0.98% Fixed1.38% Fixed2nd Year1.48% (HHR – 2.77%)1.68% Fixed1.88% Fixed1.88% Fixed3rd Year2.18% (HHR – 2.07%)2.18% (HHR – 2.07%)2.28% Fixed2.18% Fixed4th Year3.08% (HHR – 1.17%)3.08% (HHR – 1.17%)3.08% (HHR – 1.17%)2.48% Fixed 5th Year3.08% (HHR – 1.17%)3.08% (HHR – 1.17%)3.08% (HHR – 1.17%)2.48% Fixed Thereafter3.08% (HHR – 1.17%)3.08% (HHR – 1.17%)3.08% (HHR – 1.17%)3.08% (HHR – 1.17%)HHR currently at 4.25%pa
Lock In @ 1.5%2 yrs2 yrs3 yrs5 yrs
Legal Subsidy0.4% of loan up to $2000, to refund if loan is fully redeemed within 3 yrs
Cancellation Fee1.5% of loan amt cancelled
Gift Entitlement1 set (2 pcs) of Mugs for every $100,000 loan, subject to a max of 3 sets per account,
for customers upon acceptance
我有个朋友跟他家拿的贷款。你跟人家拿贷款你还怕人家不值得信任？怕到时他垮了你没地方还贷款了？
这个公司做了很多年了，挺正规的