UOB的贷款配套：OPTION 1: HomePlus Floating 1Yr Lock-in 50% Matching Yr 1: 1.88% (HPR- 2.62%)Yr 2: 1.98% (HPR- 2.52%)Yr 3: 2.18% (HPR- 2.32%)Thereafter: 3.75% (HPR- 0.75%) HPR: 4.50%p.a. Partial Redemption Penalty :Nil. If loan outstanding fall below $200,000 after partial prepayment within 1 year from conversion date, a penalty of 0.75% on prepaid amount will beimposed. Full Redemption Penalty :0.75% on redeemed amount within 1 yr from conversion date option 2: Promotional floating No Lock InYr 1: 1.25% (MR – 3.25%)Yr 2: 1.65% (MR – 2.85%)Yr 3: 2.65% (MR – 1.85%)Thereafter: 3.75% (MR – 0.75%) Mortgage Rate (“MR”):4.50% Partial Redemption Penalty :Nil. Full Redemption Penalty :Nil option 3: 1Y Fixed 1Y Lock InYr 1: 1.48% (Fixed)Yr 2: 1.78% (MR – 2.72%)Yr 3: 2.88% (MR – 1.62%)Thereafter: 3.75% (MR – 0.75%) Mortgage Rate_010608C (“MR”):4.50% Partial Redemption Penalty :1.50% on prepaid amount within 1 yr from conversion date. Full Redemption Penalty :1.50% on redeemed amount within 1 yr from conversion date option 4: 2Y Fixed 2Y Lock InYr 1 : 1.88% (Fixed)Yr 2 : 1.88% (Fixed)Thereafter: 3.75% (MR – 0.75%) Mortgage Rate_010308C (“MR”):4.50%p.a Partial Redemption Penalty :1.50% on prepaid amount within 2 yrs from conversion date.Full Redemption Penalty :1.50% on redeemed amount within 2 yrs from conversion date
看你的risk appetite, uob的floating比较好，citi, maybank的fix比较好，
如果非要在你这4个里面选，我选2
我想要Fixed ,怕加息！
利息低也有坏处的，就是怕加息，哈哈
要fix可以选Maybank3年fix吧
还有，不要放高手，要不吾辈看到标题都不敢进来了
我不可以甩开UOB
我比较过，fix当中，maybank fix 3年, lock in 两年最好，不仅是因为它的rate最低，跟重要的是可以prepay, 你把贷款的tenor拉长些，假如贷款利息超过2.5%,用你cpf存的prepay就好了，我就后悔当时拿了个20年的，应该拿最长的，hohoho
怎么跟我当初一样，即使现在可以refinance了，走的话也要赔2500律师费，唉，你最后拿了哪个？如果你有金额超过3分之一贷款金额的闲钱，拿第一个不错。你算一下，实际付出的利率不是很高，我现在用的就是这个，去年拿的是1.95的利息呢，现在要换，也想换回同样配套，现在利息低一些。其实我觉得1年后2年内不会涨到1.65%，大概1.4左右吧，纯猜测。
我还没换了，我也是考虑拿第一个配套，但它不FIX,利息也不低，怕它加息,你换了吗？
HPR和MR是银行确定的嘛。为什么渣打的人说千万不要选这种减法的利率？
三年后你有多少人会REFINANCING呢？