请教CIMB banker 贷款利率？急

请教CIMB banker rate？有懂得人快进来呀！我当时问的CIMB 的BANKER,她回回复我的邮件如下：
Good afternoon, thank you for your support with CIMB HOME LOANS. Kindly refer to the below forms for the Home Loan approval and the comparison table which I have done up for you.
NEW UPDATES FOR COMMERCIAL PROPERTY: Can finance up to maximum of 80% stretch over 30 years. Only for retail and offices with remaining tenure of more than 60 years.
Kindly refer to the below documents needed for our Home Loan Approval.
Do reach me at 93851959 （zoe.yang) if any further assistance is needed, thank you.
The documents needed NEW PURCHASED are:   
IC back and front   
Application form duly signed
Income documents (Latest tax assessment for employee) Employer need 2 years   
12 months CPF contribution history   
Latest 3 months pay slip
Option to purchased for the puchased property   
Declaration form (MAS regulation)   
eHDB printout (for 80%full loan)
    Step 1 : Go to http://www.hdb.gov.sg   
    Step 2: Click on My HDBPage
    Step 3: Click on Login via Singpass (key in NRIC and singpass)   
    Step4:  Click on ‘My Flat’
    Step 5: Click on ‘Flat details’ found on the left panel   
    If you do not own a HDB flat, the following msg will appear ‘ You do not own an existing HDB flat. (SxxxxxxxA, enquirer’s NRIC number)
    Click on Print to printout copy.   
Extra documents needed for REFINANCE/TERM LOAN are:
Latest outstanding statement with current bank
6 months repayment statement with current bank showing no late payments
CPF My Property withdrawal statements (for all parties)
2 Years Lock in
Year 1: 1.10% (Beautiful Sunday – NO INTEREST charge on every sunday for the first year FINAL RATE – 0.94%)
Year 2: 1.80%
(Average : 1.37% which is NOT subjected to such volatility compared to SIBOR/SOR)谢谢你的分享！好像比我的高啊，我今天刚签的，1st year 1, 2nd year 1.6请问哪个银行？CIMB谢谢！是完成的，还是正在建的？没懂，不是一直有这个银行么。对不起，没有讲清楚。是指你买的房子。是refinancing？ 还是房子正在建？区别在于两个的利率不同的。