大家好,房屋情况如下:
1, 已经建好的Condo. 跟uob 贷款 20年.
2,已经还贷4年,剩余 530k, 今年4月24号可以换配套,这是第二次repricing.上次的时候给了500 换配套.的费用.
3.上次的配套利息是 1.38% 和 1.58%, 每月还
之前2个礼拜一直在网上看关于贷款的帖子,也联系银行贷款部门,收到配套的邮件,如下,比较一下下面3个配套,不是很清楚,什么是12MSibor (1 year lock in),看起来很低啊,
OPTION C: 2 YEAR F L OATING (2 YEAR PENA L TY PERIOD)Yr 1: 1.28% (MR less 3.22%)Yr 2: 1.58% (MR less 2.92%)Thereafter: 2.65% (MR less 1.85%)Mortgage Rate (“MR”) = 4.50% p.a Partial Prepayment Penalty:Nil.However, if loan outstanding fall below $200,000 after partial prepayment within 2 years from date of conversion, a penalty of 1.50% on prepaid amount will be imposed, subject to 1 month written notice. Full Redemption Penalty:1.50% on redeemed amount within 2 years from date of conversion, subject to 3 months written notice. Option D: 3MSibor (No L ock)Y1: 3MSibor + 0.95%Y2: 3MSibor + 0.95%Y3: 3MSibor + 0.95%Thereafter 3MSibor + 1.25%***3MSibor as current is 1.0013% Partial Redemption Penalty:Nil Full Redemption Penalty:Nil Option E: 12MSibor (1 year lock in)Y1: 12MSibor + 0.70%Y2: 12MSibor + 0.80%Y3: 12MSibor + 0.90%Thereafter 3MSibor + 1.25%***12MSibor as current is 1.159% Partial Redemption Penalty:1.50% on prepaid amount within 1 year from date of conversion, partial prepayment is subject to 1 month written notice. Full Redemption Penalty:1.50% on redeemed amount within 1 year from date of conversion, full redemption is subject to 3 months written notice.
谢谢大家
看数字，C最好，可是现在利率一直在起，今后起到多少谁也说不定。看看其他银行的固定利率吧。
好的,谢谢回复,呵呵