各位好，昨天刚刚定了房子，现在赶忙前来请教各位，看哪里可以拿到比较好的贷款配套，先谢谢各位了。
中介推荐OCBC，细节如下：
> 80% Fixed Rate Package
1 year Fix rate with 1 year Lock-in
Year 1 2.60% (F)
Year 2 3.50%
Year 3 4.25%
T/A 4.25%
2 year Fix rate with 2 year Lock-in
Year 1 3.00% (F)
Year 2 3.00% (F)
Year 3 4.25%
T/A 4.25%
Terms and Conditions
? No partial repayment during the lock in period, otherwise subject to 1.50% penalty on any prepaid amount
? Full repayment during lock in period is subject to 1.50% penalty
? Cancellation on any unused amount is subject to 1.50% penalty
? Legal fee subsidy 0.40% capped at $2,000
> 80% Variable Rate Package
Variable 2 year Lock-in
Year 1 2.25%
Year 2 2.25%
Year 3 2.25%
T/A 4.25%
Terms and Conditions
? No repayment penalty during lock in period unless outstanding loan after repayment remains at 50% of original loan amount, otherwise subject to 1.50% penalty on any prepaid amount
? Full repayment during lock in period is subject to 1.50% penalty
? Cancellation on any unused amount is subject to 1.50% penalty
? Legal fee subsidy 0.40% capped at $2,000
中介把DBS的配套也发了给我，由于是pdf就简单说下，两年锁定，第一年2.25% fixed，第二年SIBOR+1.75，之后就一直SIBOR+1.75%。
其他银行中介说借不到90%，也不知道是不是真的。请各位点评一下这几个配套的优劣，如果有更好的银行更好的配套烦请您推荐一下，如果有banker可以推荐也欢迎，小弟这厢有礼了，谢谢大家。
哪位达人在线，请帮忙看看好么，谢谢谢谢
90%贷款，现在很难了。
当下90%确实很难，
你可以考虑maybank
If you are looking at 80% financing, the interest rates would be:
1st year – 1.6%
2nd year – 2.6%
3rd year – 2.9%
除了上面还有律师费等的补贴。
有兴趣的话，请pm我，
我让banker打电话给你。
楼主, 你365K, 90%的贷款, 你每月还贷多少? 这个是怎么计算的, 真心请教.
因为手头现金有限,80%的只能买一个一般,但是90%的怕每月还贷压力大, 纠结中……
回复 7# sandysong
计算贷款的到处都有，贴一个给你
http://services2.hdb.gov.sg/webapp/BB29MTHLY/BB29SMTHLY
刚拿了dbs 90%的，一年锁定一年fix 2.25%,第二年开始sibor+2.25%，不过早就可以re-finance了
每个月还1800+，cpf扣1500+，感觉没什么压力
贷款多少啊，每月还要还1800？公寓吗？
偶要办80%的银行贷款, 不知选哪个好,请高人帮忙指点:
DBS:Fixed 2 Year
1st Year:1.88%
2nd Year:1.88%
Thereafter: Sibor + 1.50%
HSBC: No Lock-in
1st Year: 3mths Sibor + 1.20%
2nd Year: 3mths Sibor + 1.10%
Thereafter: Sibor + 1.00%