帮忙，房贷选哪个好？谢谢！

sonni

private property
1

2 Year Fixed (2 year lock in)
Yr 1 - 1.28% Fixed
Yr 2 - 1.68% Fixed
Yr 3 - 2.65% (MR less 1.85%)
Thereafter - 2.65% (MR less 1.85%)
MR: Mortgage Rate - 4.50% p.a.
2)
Floating (2 year lock in)

Yr 1 - 0.98% (MR less 3.52%)

Yr 2 - 1.38% (MR less 3.12%)

Yr 3 - 1.88% (MR less 2.62%)

    Thereafter - 2.65% (MR less 1.85%)

MR: Mortgage Rate - 4.50% p.a.

3)
3 Month SIBOR (No lock in)

Yr 1 - 1 or 3 Month SIBOR + 1.00%
Yr 2 - 1 or 3 Month SIBOR + 1.15%
Yr 3 - 1 or 3 Month SIBOR + 1.25%
Thereafter - 1 or 3 Month SIBOR + 1.25%
SIBOR: Singapore Inter-Bank Offer Rate

sonni

对不起，搞到好乱，大家凑活看看！先谢谢大侠们。

加肥猫

楼主这个大概是UOB的吧....这3个里面选的话，我个人选第二个；但事实上，很多银行都提供比这个好得多的，HSBC、SC、Citibank、Maybank... ... 太多太多

mchenm

老公研究了好久之后，最后我们选的citibank的fixed rate，Lock3年，1.35%，不妨参考下。。