今天跟UOB了解了下贷款的package。
他们的sales给我了两个方案，请大家帮忙看看，哪个比较划算？
感谢！
Progressive Scheme
PackagesFloatingLock in period2 yr Lock1st yr0.85% (MR-3.65%)2nd yr1.55% (MR-2.95%)3rd yr 1.95% (MR-2.55%)Thereafter3.75% (MR-0.75%)Board RateMR 4.5%
Allow to pay partially but ensure the o/s do not fall below 200K within 2 yr lock in
Progressive Scheme
PackagesFloatingLock in periodNo Lock1st yr3M + 0.75%2nd yr3M + 0.75%3rd yr 3M + 0.75%Thereafter3M + 1.00%Board Rate3M SOR
回复 3角饭团 的帖子
Board Rate一般不变的吧，因此可以看成是固定的。
短期内浮动的肯定利率低，长期有点危险。主要看你个人喜欢比较安心一点的还是在前两年省点利息
两个都是浮动利率，风险太了点，打去mybank问问，给的固定利率配套不错
谢谢各位的建议和回复，等下就打去maybank问问