［房产车市］求教：请问房贷该选哪个配套？哪家银行利率合适？谢谢大家

补充loan差不多68万 求推荐哪个配套利率最合适 谢谢大家

Dbs*National Day Promo*　First year: 1.89% fixed　Second year: 2.18% fixed or change to prevailing interest rate then　Year 3: 2.18% fixed or change to prevailing interest rate　Thereafter: FHR8 + 1.23%Fhr 8 refers to our 8 months fixed deposit rate for deposit less than $10k and is currently 0.95%　
3 years locked in　One time free conversion during year 2 or year 3　Waiver of cancellation fee due to sales

多谢！适合resale condo吧？

zheg这个 refinance from dbs to dbs也可以吗？ 大概300K

都需要叫什么费用？

同一家银行不算refinance是算reprice。 已经快到锁定期或者已经过了锁定期， 可以直接联系银行的房贷部门更换配套。
但是很多银行最优惠的利率配套是只给new cutomer， 不给existing customer的， 所以才有很多人换去别家银行。

谢谢！现在看到这几个银行rate 求大神帮忙分析选哪一个DBS yr1 1.89(fixed) yr2 2.18(fixed) Yr3 2.18(fiexed) or change prevailing rate
1 time free conversion between Yr 2-3

Ocbc yr1 1.98(fixed) Yr 2.08(fixed) yr3 3M sibor+0.35% yr4 3M sibor+0.4% thereafter 3Msibor +50% 2yr lock. 1 time free conversion after lock period

UOB first 3 Yr 1.89fixed. Thereafter 2.18

uob这个确定吗？求来源或者banker 联系方式！为啥我知道的没这么好，只要1.89第一年，之后就是2.18了

不是的，uob目前最好的是你说的这种只有第一年1。89

那我再问一下 有可能他发错了

DBS有需要refi可以联系我 98638851

UOB refinace 的手续费可以申请免除吗？UOB refinace 的手续费可以申请免除吗？我的银行告诉我需要500手续费了。有人成功免除过这个reprice的费用吗？

找个UOB banker了解一下总好过在这里问moneysmart, singsaver什么的都能在一天以内搭上线

Repricing fee各家银行不一样 多数de给$300　

谢谢回复。我问了，banker说要500啊，所以才问有没人成功waive过的喔

又问了一下 说第一年1.89％之后2.18％

你懂的Package 1: OCBC Fixed Rate (2Years)
2 Year Fixed Rate Lock-in
Year 1: 2.03% (fixed)
Year 2: 2.03% (fixed)
Year 3: 3M SIBOR + 0.35%
Year 4: 3M SIBOR + 0.4%
Year 5 & thereafter: 3M SIBOR + 0.5%

Package 2: OCBC Fixed Rate (2Years)
2 Year Fixed Rate Lock-in
Year 1: 1.98% (fixed)
Year 2: 2.08% (fixed)
Year 3: 3M SIBOR + 0.35%
Year 4: 3M SIBOR + 0.4%
Year 5 & thereafter: 3M SIBOR + 0.5%

Current 3 Month Sibor: 2.00%

———————————————-
**COMPLETED PTY SIBOR PACKAGE 2Y lock in**

-3M SIBOR
Y1: + 0.30%
Y2: + 0.40%
Y3: + 0.50%
Thereafter: + 0.60%

-6M SIBOR
Y1: + 0.30%
Y2: + 0.40%
Y3: + 0.50%
Thereafter: + 0.60%
———————————————-
**COMPLETED PTY MBR** (1.55%)

-2Y LOCK
Y1: 2.35% (MBR+0.80%)
Y2: 2.40% (MBR+0.85%)
Y3:: 2.40% (MBR+0.85%)
Thereafter: 2.50% (MBR+0.95%)

Fully transparent market interest rates by Associations of Banks in Singapore
Option to prepay up to 50% of original loan
Free conversion of interest rate package
Do not need to purchase fire insurance (MIP) if property is a condo

For SIBOR rates, refer to:
https://abs.org.sg/rates-sibor
————————

在uob贷款十年了期间reprice过几次都是500，一次也没免过
有的时候是说已经从800减到500了
最近这次试图从500减到300，banker说贷款额超过了某个数，所以不能减到300

多谢提供的信息！明白了

看错了，以为你问的是refinancing fee个人经验，repricing fee 500不能免 / refinancing legal fee 2200左右，新银行会给2000的legal subsidy

好的，谢谢回复