在hardwarezone上看到UOB

银行的事直接去问银行为好在社交媒体上咨询，不管是狮城帮还是HWZ, 都不一定是个好习惯。

一直3.3%？那UOB岂不是要破产

350k是UOB Privilege Banking的门槛

估计是最近吧，不过VIP客户的定存利息比普通用户好不少的

破产？不会啊。 OCBC 不是最近发了企业债券 没记错的话 4.1% 利息。5yr non-call perp.

新加坡国家问你借钱都要几乎3% 十年了。
一个银行问你借钱 难道3.3% 对银行来说不是很便宜么？

个人猜测 这350k 利息有条件。比如数额不能低于这个值。比如要通过他们买投资产品交平台费啥的。

当然破产银行负利率差怎么活？你那发的债来说没用，那点钱啥也不算。

哪里会有负利差？银行的资产负债都是一块块相对的。

又不会出现拿了私人银行的3.3%存款去放房贷2.5% 的情况的。

3.3% liability 对应的一定是比3.3% 收益高的 asset

uob官网都没看到

UOB preference share投资都是有风险的， 比如那些买了Hyflux 永久债的投资者们， 只落得一地鸡毛。

SINGAPORE (July 11): Perpetual capital securities have had something of a bad rap in Singapore following Hyflux’s default of its retail issuance of $900 million of perpetual capital securities and preference shares (PnP), where some 34,000 retail investors have lost their capital. DBS Bank was the sole financial adviser and manager for Hyflux’s retail issuances in 2013 and 2016.

Fast forward to 2019, a completely different issuer which is one the highest rated banks in Asia, a different global co-ordinator, different lead managers and for different investors.

UOB on Thursday announced that it issued $750 million of perpetual capital securities with a fixed rate of 3.58% a year.

This is subject to a reset on the first reset date (and every seven years thereafter) to a rate equal to the then prevailing 7-year SGD swap offer rate plus the Initial Spread of 1.795%.

19在citi

存过一笔这样的。 略高一些。 门槛略高一些。

但一次性的。 也要去UOB 问问了。