分享一下， 以下配套现在都还有用
Loan Amount
:
$398,400.00
Loan Period (Yrs)
:
30as example
FIXED 2 YEARS PACKAGEHOUSING LOAN ANALYSIS
Loan Amount :$398,400.00Loan Period (Yrs):30
Bank
:
HONG LEONG FINANCE
Package
:
Fixed2Yr_Penalty2Yr_HDB $100K Comp Nov10
Interest Expenses
Fst Yr
$4,655.32
Fst 3 Yrs
$19,247.39
Fst 5 Yrs
$41,383.63
Fst 10 Yrs
$91,398.60
Total
$189,865.81
Interest Rate
Monthly Installment
Year 1
1.18%
$1,314.62
Year 2
1.68%
$1,409.63
Year 3
2.18%
$1,508.68
Year 4
3.08%
$1,696.91
Year 5
3.08%
$1,696.91
Year 6
3.08%
$1,696.91More
Penalty Period (Yrs) :
2
Legal Subsidy :
$1,593.60
Full Redemption Penalty :
1.5% of outstanding loan within 2 years from loan disbursement + refund of legal subsidy within 3 years from loan disbursement
Partial Repayment Penalty :
1.5% of amt prepaid within 2 years.
Legal Subsidy (%) :
0.4
Min Loan Max Subsidy :
Min loan $100K and up to $2K subsidy.
Others:-
(1) board rate is currently at 4.25%.
FIXED 3 YEARS PACKAGESHOUSING LOAN ANALYSIS
Loan Amount :$398,400.00Loan Period (Yrs):30
Bank
:
POSB
Package
:
Fixed3Yr_Penalty3Yr_80K(100K legalsub) Comp Mar11
Interest Expenses
Fst Yr
$4,641.03
Fst 3 Yrs
$18,429.27
Fst 5 Yrs
$38,064.08
Fst 10 Yrs
$82,221.69
Total
$167,815.33
Interest Rate
Monthly Installment
Year 1
1.18%
$1,314.62
Year 2
1.68%
$1,409.63
Year 3
1.98%
$1,468.58
Year 4
2.75%
$1,626.43
Year 5
2.75%
$1,626.43
Year 6
2.75%
$1,626.43More
Penalty Period (Yrs) :
3
Legal Subsidy :
$1,593.60
Free Fire Insurance (Yrs) :
1
Full Redemption Penalty :
0.75% of outstanding loan within 3 years + 0.75% admin fee on original loan amt within 3 years + refund of legal fee within 3 years.
Waiver of penalty fee due to sale of property.
Partial Repayment Penalty :
1.5% of amount prepaid within penalty period.
Legal Subsidy (%) :
0.4
Min Loan Max Subsidy :
Min loan $100K and up to $1800 subsidy.
Others:-
(1) Cancellation fee at 0.75% on amount cancelled or undisbursed amt.
(2) admin fee 0.75% on original loan if loan is cancelled
(3) Interest rate:
Year 1 at 1.18% fixed
Year 2 at 1.68% fixed
Year 3 at 1.98% fixed
Thereafter at 3mth SIBOR + 1.25%
Above is based on SIBOR at 1.5% in Year 4 and thereafter.
(4) require to get Mortgage Insurance. Waiver is subject to approval.
Bank
:
CITIBANK
Package
:
Fixed3Yr_Penalty3Yr_300K comp no intoff_Feb11
Interest Expenses
Fst Yr
$4,719.88
Fst 3 Yrs
$18,661.35
Fst 5 Yrs
$37,582.99
Fst 10 Yrs
$80,095.42
Total
$162,492.27
Interest Rate
Monthly Installment
Year 1
1.20%
$1,318.34
Year 2
1.70%
$1,413.52
Year 3
2.00%
$1,472.56
Year 4
2.65%
$1,605.41
Year 5
2.65%
$1,605.41
Year 6
2.65%
$1,605.41More
Penalty Period (Yrs) :
3
Legal Subsidy :
$1,593.60
Full Redemption Penalty :
1.5% of outstanding loan within penalty period + refund of legal subsidy/valuation subsidy within 3 years. After penalty period, if full repayment does not fall on rollover dates, breakage fee 0.5% of amount repaid is payable.
Partial Repayment Penalty :
1.5% of amt prepaid within penalty period + proportionate refund of legal subsidy if partial repayment made within 3 years. After penalty period, if partial prepayment does not fall on rollover dates, breakage fee 0.5% of amount prepaid payable.
Legal Subsidy (%) :
0.4
Min Loan Max Subsidy :
Min loan $300K and up to $2500.
Others:-
(1) Interest rate is:-
Year 1 at 1.2% fixed (exp 31 May 2012)
Year 2 at 1.7% fixed (exp 31 May 2013)
Year 3 at 2.0% fixed (exp 31 May 2014)
Thereafter at 1mth SIBOR + 1.15%.
Above interest rate is assuming 3mth SIBOR at 0.7% in Year 1; 1% in Year 2 and thereafter at 1.5%
(2) cancellation fee 1%.
(3) 1mth SIBOR not offered to HDB.
FIXED 5 YEARS PACKAGEHOUSING LOAN ANALYSIS
Loan Amount :$398,400.00Loan Period (Yrs):30
Bank
:
MAYBANK
Package
:
Fixed5Yr_Penalty5Yr_100K comp/buc Aug10_promotion
Interest Expenses
Fst Yr
$3,469.18
Fst 3 Yrs
$19,542.00
Fst 5 Yrs
$37,477.77
Fst 10 Yrs
$90,080.07
Total
$192,651.61
Interest Rate
Monthly Installment
Year 1
0.88%
$1,259.57
Year 2
2.00%
$1,472.56
Year 3
2.25%
$1,522.87
Year 4
2.50%
$1,574.16
Year 5
2.50%
$1,574.16
Year 6
3.25%
$1,733.86More
Penalty Period (Yrs) :
5
Legal Subsidy :
$1,593.60
Free Fire Insurance (Yrs) :
1
Full Redemption Penalty :
1.5% of outstanding loan within 5 years (pro-rated) + refund of legal subsidy/valuation subsidy within 3 years + admin fee 0.25% on original loan amount within penalty period.
Partial Repayment Penalty :
1.5% of amount prepaid within penalty period (pro-rated).
Legal Subsidy (%) :
0.4
Min Loan Max Subsidy :
Min loan $100K and up to $2.5K subsidy
Others:-
(1) cancellation fee 1.5%
(2) one time free conversion after 5 years from first disbursement or expiry of penalty period, whichever is later
(3) extended loan tenure – up to 40 years or age 82 whichever is earlier, depending on property.
(4) Board rate currently at 3.75%.
FLOATING RATE, LOCK-IN 2 YEARS PACKAGESHOUSING LOAN ANALYSIS
Loan Amount :$398,400.00Loan Period (Yrs):30
Bank
:
HONG LEONG FINANCE
Package
:
Floating Rate_Penalty2Yrs_$100K Comp Nov10
Interest Expenses
Fst Yr
$3,548.20
Fst 3 Yrs
$17,343.60
Fst 5 Yrs
$39,424.24
Fst 10 Yrs
$89,284.30
Total
$186,861.30
Interest Rate
Monthly Installment
Year 1
0.90%
$1,263.19
Year 2
1.48%
$1,371.14
Year 3
2.18%
$1,508.68
Year 4
3.08%
$1,696.91
Year 5
3.08%
$1,696.91
Year 6
3.08%
$1,696.91More
Penalty Period (Yrs) :
2
Legal Subsidy :
$1,593.60
Full Redemption Penalty :
1.5% of outstanding loan amt within 2 years from loan disbursement + refund of legal subsidy within 3 years from loan disbursement
Partial Repayment Penalty :
1.5% on prepaid amt within 2 years.
Legal Subsidy (%) :
0.4
Min Loan Max Subsidy :
Min loan of $100k and up to $2K subsidy
Others
(1) currently board rate at 4.25%
8错！支持一下！
强烈支持，LZ收集信息辛苦了。
感谢楼主的分享！
很好的信息资料，加高亮加精华。
建议楼主在帖子标题上注明时间比较好，毕竟贷款存款这些资料数据的时效性很强。每个时期的信息数据肯定不一样。
谢谢分享。