收到三个贷款配套，请教下哪家比较好：
配套1. Variable (current VR= 4.5%) – Free conversion at ANYTIME· Year1 = 1.05% = ( VR- 3.45%)· Year 2 = 1.15% = (VR – 3.35%)· Year3 = 1.35% = (VR –3.15%)· Year 4 = 2.65% (VR- 1.85%) Year5 = 3.75% (vr-0.75%)
可随意转换到配套2，但是VR貌似是银行internal board rate,不知道有没有风险。banker说现在的vr很低，第一年才0.98%
配套2.NO Lock in SIBORpackage ( last 3M Sibor = 0.40%) (FREE CONVERSION 3 MONTHS AFTER TOP)
· Year 1 = 3months Sibor + 0.75%· Year 2 = 3months Sibor + 0.75%· Year 3 = 3months Sibor + 0.75%· Year 4 = 3months Sibor + 1.00%· Thereafter = 3months Sibor +1.25%(however there is a free conversion at TOP)之前很多人提到的渣打银行的套餐，要买的那个公寓渣打贷的套数太多，不能给了。
求大家比较一下啊。万分感谢。
同求好配套。。。
比较1和2，我比较倾向于2，原因是sibor 比 internal board rate 透明。
如果1是Free conversion at ANYTIME to 2, 先拿1，一年后再换