这是 ocbc的banker发给我的，大家看看哪个比较适合我？因为要结婚生子，所以未来2,3年内开销估计挺大，所以我想在前几年每月还款额低点。据banker 跟我说，2 years locked in 的他们那边比较Popular.
Variable Rate Package
No Locked in 1 Year Locked in 2 Year Locked in
Year 1 1.25% (V) 1.20% (V) 0.80% (V)
Year 2 1.55% (V) 1.55% (V) 1.55% (V)
Year 3 2.65% (V) 2.65% (V) 2.65% (V)
Year 4 3.75% (V) 3.75% (V) 3.75% (V)
– For variable rate packages, you are still allowed to do partial prepayment within the lock-in period as long as at time of application there is 50% of the original loan outstanding.
– Within the lock-in period full redemption is not allowed, otherwise 1.5% penalty will apply on the amount outstanding.
– No penalty after lock-in period for partial and full redemption, however, one month notice is required for partial prepayment, and three months notice is required for full redemption.
SOR Rate Package
No Locked in 1 Year Locked in 2 Year Locked in
Year 1 3mths SOR + 0.85% 3mths SOR + 0.80% 3mths SOR + 0.75%
Year 2 3 mths SOR + 0.85% 3 mths SOR + 0.80% 3 mths SOR + 0.75%
Year 3 3 mths SOR + 0.85% 3 mths SOR + 0.85% 3 mths SOR + 0.85%
Year 4 3 mths SOR + 1.0% 3 mths SOR + 1.0% 3 mths SOR + 1%
Current SOR is @ 0.08 as per today.
– For SOR-pegged packages, you are still allowed to do partial prepayment within the lock-in period as long as at time of application there is 50% of the original loan outstanding.
– Within the lock-in period full redemption is not allowed, otherwise 1.5% penalty will apply on the amount outstanding.
– No penalty after lock-in period for partial and full redemption, however, one month notice is required for partial prepayment, and three months notice is required for full redemption.
如果是我，选SOR NO Lock In的。
1yr lock SOR 比较好，现在利息前路不明朗，1年保险些。