请大家帮我分析一下， 哪个配套好些，谢谢！
目前的银行UOB给出的：
Yr 1: 1.38% (FDPR+1.13%)Yr 2: 1.38% (FDPR+1.13%)Yr 3: 1.38% (FDPR+1.13%)Thereafter: 1.38% (FDPR+1.13%)15-months Fixed Deposit Property Rate (“FDPR”) = 0.25% p.a. (subject to changes)
选中的其它银行：银行1(Standard Chartered)48M FDPR currently @ 0.50%
2 year lock in
Year 1 = FDPR + 0.80%= 1.30%
Year 2 = FDPR + 0.80%= 1.30%
Year 3 = FDPR + 0.80%= 1.30%
Thereafter = FDPR + 0.80%= 1.30%
Cash Rebate: $1800
银行2 (DBS)
2yrs Fixed Rate (2yrs Lock-in)Y11.40% (Fixed)Y21.40% (Fixed)Y3FHR9 + 1.15% (1.40%)Y4 and thereafterFHR9 + 1.15% (1.40%)
Cash Rebate $2,000 (for loan amount more than S$500K)
请问我应该re-pricing 还是 refinance.
谢谢大家
6 条回复
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#1
Ocbc 也能$2000 cash reward 和1.3% 像 stanchart一样.
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#2
看个人的风险偏好和对美国加息的期望。 我个人的选择是选择 DBS 两年固定。1.4%算是很低了。 2000 CASH 可以覆盖律师费了。
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#3
1.4%的固定配套真的是良心价了，趁着现在利息低，锁定个两年才是明智之举
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#4
为什么我昨天去DBS 没有说有CASH 呢。。。
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#5
我在网站上查，好像是只有refinance才有cash rebate
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赤道阳光z 楼主#6
请大家帮我分析一下， 哪个配套好些，谢谢！
目前的银行UOB给出的：
Yr 1: 1.38% (FDPR+1.13%)Yr 2: 1.38% (FDPR+1.13%)Yr 3: 1.38% (FDPR+1.13%)Thereafter: 1.38% (FDPR+1.13%)15-months Fixed Deposit Property Rate (“FDPR”) = 0.25% p.a. (subject to changes)
选中的其它银行：银行1(Standard Chartered)48M FDPR currently @ 0.50%
2 year lock in
Year 1 = FDPR + 0.80%= 1.30%
Year 2 = FDPR + 0.80%= 1.30%
Year 3 = FDPR + 0.80%= 1.30%
Thereafter = FDPR + 0.80%= 1.30%
Cash Rebate: $1800
银行2 (DBS)
2yrs Fixed Rate (2yrs Lock-in)Y11.40% (Fixed)Y21.40% (Fixed)Y3FHR9 + 1.15% (1.40%)Y4 and thereafterFHR9 + 1.15% (1.40%)
谢谢大家