两年前从Maybank贷款，要重新选配套了。
当时agent说可免一次refinance手续费500，今天电话我说这个优惠要在过锁定期才能申请，也就是大约有1个多月的处理期，这期间利率2.8%，大约要多付260利息。如果付500就可以提前签好配套。请问大家有碰到这样的吗？以前agent没有提过这个附加条件呀。以为能占500块便宜，看来没戏了，只有200+。我也是没好好看条款，就听Agent说的很好。配套如下
Variable Rate Package
Commitment Period 2 year
Interest Rate
Year 1 1.20% p.a. (SRFR less 2.55% pa)
Year 2 1.50% p.a. (SRFR less 2.25% pa)
Year 3 1.88% p.a. (SRFR less 1.87% pa)
Year 4 & 5 Private: 3.25% pa (SRFR less 0.50% pa); HDB: 2.6% pa (SRFR less 1.15%)
Thereafter HDB & Private: 3.25% pa (SRFR less 0.50% pa)
Fixed Rate Package
Commitment Period 2 years
Interest Rate
Year 1 1.30% p.a.
Year 2 1.50% p.a.
Year 3 to 5 Private: 3.25% pa (SRFR less 0.50% pa); HDB: 2.6% pa (SRFR less 1.15%)
Thereafter HDB & Private: 3.25% pa (SRFR less 0.50% pa)
Fixed Rate Package
Commitment Period 3 years
Interest Rate
Year 1 1.30% p.a.
Year 2 1.45% p.a.
Year 3 1.90% p.a.
Year 4 to 5 Private: 3.25% pa (SRFR less 0.50% pa); HDB: 2.6% pa (SRFR less 1.15%)
Thereafter HDB & Private: 3.25% pa (SRFR less 0.50% pa)
是不是第一个好些？maybank 的配套总是2-3年要换。一换就高。我拿的是新配套， 3 years fixed rate (3 years lock in)
1st year 1.15%
2nd year 1.35%
3rd year 1.45%
3年不能换配套新配套和refinance 不一样？ 当初贷款时，新旧用户配套是一样，我还和老公赞了它一下。两年后变了确认过了，不一样了For your change of new package after the lock-in period, you will have to give the bank 3 month notice.With your 3years lock-in package, you can do it at the start of the 34th month so you can change your package on the start of the 37th months.The new package can only start after fulfilling the 3years lock-in.
这个是MAYBANK 的人回复的邮件。 第34个月的时候就可以去问， 没有手续费的 （签配套的时候要求的）。maybank有MAYBANK的贷款专员介绍吗？谢谢
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