OCBC banker发给我的package，帮忙参考参考

2011-03-02 · 2394 阅读

这是 ocbc的banker发给我的，大家看看哪个比较适合我？因为要结婚生子，所以未来2,3年内开销估计挺大，所以我想在前几年每月还款额低点。据banker 跟我说，2 years locked in 的他们那边比较Popular.

Variable Rate Package

No Locked in       1 Year Locked in 2 Year Locked in
Year 1 1.25% (V) 1.20% (V)       0.80% (V)
Year 2 1.55% (V) 1.55% (V)       1.55% (V)
Year 3 2.65% (V)    2.65% (V)       2.65% (V)
Year 4 3.75% (V)    3.75% (V)       3.75% (V)

-       For variable rate packages, you are still allowed to do partial prepayment within the lock-in period as long as at time of application there is 50% of the original loan outstanding.
-       Within the lock-in period full redemption is not allowed, otherwise 1.5% penalty will apply on the amount outstanding.
-       No penalty after lock-in period for partial and full redemption, however, one month notice is required for partial prepayment, and three months notice is required for full redemption.

SOR Rate Package
   No Locked in                                                 1 Year Locked in                      2 Year Locked in
Year 1  3mths SOR + 0.85%                      3mths SOR + 0.80%             3mths SOR + 0.75%
Year 2  3 mths SOR + 0.85%                      3 mths SOR + 0.80%             3 mths SOR + 0.75%
Year 3  3 mths SOR + 0.85%                      3 mths SOR + 0.85%          3 mths SOR + 0.85%
Year 4  3 mths SOR + 1.0%                         3 mths SOR + 1.0%             3 mths SOR + 1%
Current SOR is @ 0.08 as per today.

   -  For SOR-pegged packages, you are still allowed to do partial prepayment within the lock-in period as long as at time of application there is 50% of the original loan outstanding.
- Within the lock-in period full redemption is not allowed, otherwise 1.5% penalty will apply on the amount outstanding.
- No penalty after lock-in period for partial and full redemption, however, one month notice is required for partial prepayment, and three months notice is required for full redemption.

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