各位前辈，我的房屋贷款配套到期了，目前是OCBC的，请教各位前辈一下，换银行好吗？或者OCBC哪个配套划算？拜托
6 条回复
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#1
无责任推荐，可以找你自己的banker,也可以私信我介绍
1. UOB
FDPR package *
BUC No Lock
1st yr: 1.51% (FDPR + 0.86%)
2nd yr: 1.51% (FDPR + 0.86%)
3rd yr: 1.51% (FDPR + 0.86%)
Thereafter: 1.60% (FDPR + 0.95%)
No lock+ 2 times free conversion
*FDPR is UOB public 36 months fixed deposit rate which has been remaining at 0.65% since 2011
SIBOR package
BUC 1M SIBOR No Lock
1st yr: 1.20% (1m SIBOR + 0.58%)
2nd yr: 1.30% (1m SIBOR + 0.68%)
3rd yr: 1.42% (1m SIBOR + 0.80%)
Thereafter: 1.52% (1m SIBOR + 0.90%)
One time free conversion within 6mths from TOP
2. DBS
For completed project
A. Fixed rate package
Year 1-3: 1.68%
Thereafter: FHR18 + 1.2% = 1.8%
3 years lock in
B. Floating rate package
Year 1-3: FHR18 + 0.9% = 1.5%
Thereafter: FHR18 + 0.9% = 1.5%
2 years lock in
Need to purchase mortgage insurance
For BUC project
Year 1-3: FHR18 + 0.91% = 1.51%
Thereafter: FHR18 + 1% = 1.60%
No lock in
One time free conversion upon top
3. OCBC
For completed project
A. 36 months FDMR OCBC
OCBC 36 Months Fixed Deposit Mortgage Rate currently at 0.65%
Free Conversion if 36 Months Fixed Deposit Rate Increases
2 years Lock-In
Year 1: FDMR + 0.93% = 1.58%
Year 2 and thereafter: FDMR + 0.97% = 1.62%
B. 1 Month SIBOR OCBC
Current 1 month SIBOR at approx. 0.62%
2 Years Lock in
Year 1: 1M SIBOR + 0.65% = 1.27%
Year 2 - year 4: 1M SIBOR + 0.70% = 1.32%
Year 5 and thereafter: 1M SIBOR + 0.85% = 1.47%
For BUC project
A. 36 months FDMR OCBC
OCBC 36 Months Fixed Deposit Mortgage Rate currently at 0.65%
Free Conversion if 36 Months Fixed Deposit Rate Increases
No Lock-In
Year 1 - year 4: FDMR + 0.93% = 1.58%
Year 5 and thereafter: FDMR + 1.00% = 1.65%
B. 1 Month SIBOR OCBC
Current 1 month SIBOR at approx. 0.62%
No Lock in
Year 1: 1M SIBOR + 0.65% = 1.27%
Year 2 - year 4: 1M SIBOR + 0.70% = 1.32%
Year 5 and thereafter: 1M SIBOR + 0.85% = 1.47%
4. Citi
For BUC project
A. Package 1:
Year 1 @ sibor + 0.95
Year 2 @ sibor + 0.95
Year 3 @ sibor + 0.85
Year 4 @ sibor + 0.85
Post promotional period @ sibor + 1.25
- min loan 500k
- no lock in
- free & unlimited switch of the sibor period
- CMA feature 50% interest offset
B. Package 2:
Year 1 @ sibor + 0.80
Year 2 @ sibor + 0.85
Year 3 @ sibor + 0.85
Year 4 @ sibor + 1.25
Post promotional period @ sibor + 1.25
- min loan 500k
- no lock in
- free & unlimited switch of the sibor period
- CMA feature 50% interest offset
C. Package 3:
Year 1 @ sibor + 0.70
Year 2 @ sibor + 0.70
Year 3 @ sibor + 0.85
Year 4 @ sibor + 1.00
Post promotional period @ sibor + 1.00
- min loan 100k
- 3 years lock in
- free & unlimited switch of the sibor period
No subsidy
SIBOR rate as of current :-
1 month @ 0.62
3 month @ 0.87
6 month @ 1.15
12 month @ 1.31
5. Maybank
For Completed Project
A. Maybank fixed rate
Year 1: 1.60% (FIXED)
Year 2: 1.60% (FIXED)
Thereafter: 1.88% (SRFR - 2.12%) -
地球小红点 楼主#2
:)感谢你的无责任推荐，只是我还是不知选哪一个划算！
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#3
楼主这是要把伸手进行到底，那就只能靠互联网的力量了，去moneysmart看看吧，输入你现在的利率和剩余贷款数量，就会提供多家银行的配套供你选择，还帮你计算出新的比现有的是省了钱还是多付了钱。
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#4
这些配套是否有规定贷款额必须多少吗？
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地球小红点 楼主#5
/>：
:)没有，只是更新配套而已！如果新签的贷款条件就多了！ -
地球小红点 楼主#6
/>：
:)哈哈哈哈，好主意！不过时间赶，又没有大神指点，昨天胡乱签了OcBc没锁定三个月一浮动的配套，也不知是否最佳，先这样吧！