HDB贷款

xlq1986

准备贷款买组屋，刚刚找了一个中介问了关于贷款的事情。他给我列了一些套餐，我个人倾向于稳定一点的，求教大家那个比较合适？还有就是火险和律师费，现在的银行还会补贴吗？还是需要跟他们讨价还价才会给？除了这些还有哪些注意事项？不是很懂，谢谢大家的宝贵意见。

Maybank 2 Years Fixed Rate Package
Year 1	1.25% p.a. FIXED
Year 2	1.35% p.a. FIXED
Year 3 to 5	HDB:  2.60% pa (SRFR less 1.15% pa)
Thereafter	3.25%  pa (SRFR less 0.5% pa)
Lock-in Period	2  years
Partial Repayment	1.50%  penalty on repayment amt within lock-in period

DBS 2+2 Years Fixed Rate Package
Year 1	1.68% p.a. FIXED
Year 2	1.68% p.a. FIXED
Year 3	3m SIBOR + 1.25% or 1.68% p.a. FIXED
Year 4	3m SIBOR + 1.25% or 1.68% p.a. FIXED
Thereafter	3m  SIBOR + 1.25%
Lock-in Period	2  years (4 years if 3rd and 4rd year fixed rate is activated)
Partial Repayment	1.50%  penalty on repayment amt within lock-in period

DBS 2+2 Years Fixed Rate Package
(With  purchase of mortgage term insurance)
Year 1	1.58% p.a. FIXED
Year 2	1.58% p.a. FIXED
Year 3	3m SIBOR + 1.25% or 1.58% p.a. FIXED
Year 4	3m SIBOR + 1.25% or 1..58% p.a. FIXED
Thereafter	3m  SIBOR + 1.25%
Lock-in Period	2  years (4 years if 3rd and 4rd year fixed rate is activated)
Partial Repayment	1.50%  penalty on repayment amt within lock-in period

Maybank 3 Years Fixed Rate Package
Year 1	1.15% p.a. FIXED
Year 2	1.35% p.a. FIXED
Year 3	1.45% p.a. FIXED
Year 4 & 5	HDB:  2.60% pa (SRFR less 1.15% pa)
Thereafter	3.25%  pa (SRFR less 0.5% pa)
Lock-in Period	3  years
Partial Repayment	1.50%  penalty on repayment amt within lock-in period

DBS 5 Years Fixed Rate  Package
(With purchase of mortgage term insurance)
Year 1	1.68% p.a. FIXED
Year 2	1.68% p.a. FIXED
Year 3	1.68% p.a. FIXED
Year 4	1.68% p.a. FIXED
Year 5	1.68% p.a. FIXED
Thereafter	3m SIBOR + 1.25%
Lock-in  Period	5 years
Partial  Repayment	1.50% penalty on repayment amt within lock-in period

DBS 5 Years Fixed Rate  Package
Year 1	1.78% p.a. FIXED
Year 2	1.78% p.a. FIXED
Year 3	1.78% p.a. FIXED
Year 4	1.78% p.a. FIXED
Year 5	1.78% p.a. FIXED
Thereafter	3m SIBOR + 1.25%
Lock-in  Period	5 years
Partial  Repayment	1.50% penalty on repayment amt within lock-in period

Citi 5 Years Fixed Rate  Package (min $400k)
Year 1	1.68% p.a. FIXED
Year 2	1.68% p.a. FIXED
Year 3	1.68% p.a. FIXED
Year 4	1.68% p.a. FIXED
Year 5	1.68% p.a. FIXED
Thereafter	SIBOR + 1.25%
Lock-in  Period	5 years
Partial  Repayment	1.50% penalty on repayment amt within lock-in period

Citi SIBOR Package  ($400k & above)
Year 1	3m SIBOR + 0.90%
Year 2	3m SIBOR +  0.90%
Year 3	3m SIBOR +  1.00%
Thereafter	3m SIBOR +  1.15%
Lock-in Period	2 years    (No Lock In if due  to Sale of Property)
Partial Repayment	1.50% penalty on repayment amt within lock-in  period

*For Citigold clients, preferential rates will be offered.

HSBC SIBOR Package No Lock In (above $200k with fixed  deposit/credit card)
Year 1	1m / 3m SIBOR + 1.00%
Year 2	1m / 3m SIBOR + 1.00%
Year 3	1m / 3m SIBOR + 1.00%
Thereafter	1m / 3m SIBOR + 1.25%
Lock-in Period	NO  Lock-in
Partial Repayment	Allowed

DBS SIBOR Package (subject to approval)
Year 1	3m SIBOR + 0.90%
Year 2	3m SIBOR + 0.90%
Year 3	3m SIBOR + 0.90%
Thereafter	3m SIBOR + 1.25%
Lock-in Period	No  Lock in
Partial Repayment	1.50% penalty on repayment amt within lock-in period

Maybank SIBOR Package 2yr Lock In
Year 1	3m SIBOR + 0.75%
Year 2	3m SIBOR + 0.90%
Year 3	3m SIBOR + 1.25%
Thereafter	3m SIBOR + 1.25%
Lock-in Period	2  years
Partial Repayment	1.5% penalty for partial or full prepayment during first 2 years

ANZ 3m SOR / Combo Package No Lock In (below $500k)
Year 1	3m Combo / 3m SOR + 1.10%
Year 2	3m Combo / 3m SOR + 1.10%
Year 3	3m Combo / 3m SOR + 1.10%
Thereafter	3m Combo / 3m SOR + 1.25%
Lock-in Period	NO  Lock-in
Partial Repayment	Allowed
Subsidies	Legal subsidy of 0.4% of loan amount, capped at $2,500 and free first  year fire insurance

*Preferential rates for ANZ priority clients

UOB Variable Rate Package
Year 1	1.18% p.a.
Year 2	1.58% p.a.
Year 3	2.28% p.a.
Thereafter	2.62%  (HMBR- 1.85%)
Lock-in Period	2  years
Partial Repayment	Allowed

OCBC Variable Rate Package
Year 1	1.18% p.a.
Year 2	1.48% p.a.
Year 3	1.78% p.a.
Year 4	2.65% p.a.
Thereafter	3.75%  (Board Rate - 0.75%)
Lock-in Period	3  years
Partial Repayment	Allowed,  subject to outstanding balance remaining at 50% of original loan amount

SJPAMK2013

DIMG

墨渊

怎么没有DBS三年固定的，我打算用这个，利率没MAYBANK低
可以跟banker讨价还价，不过他们要向上appeal，能不能成就未必了

pl

DBS新出的10年利率~~~喜欢稳定的买那个

xlq1986

pl 发表于 1-4-2013 17:21
DBS新出的10年利率~~~喜欢稳定的买那个

请问那个lock-in有多久？

DIYer

不要选UOB 和 OCBC 的， 他们的那个HMBR和Board Rate 是不透明的，随他说了算，锁定期一过，等着哭吧

xlq1986

DIYer 发表于 1-4-2013 20:18
不要选UOB 和 OCBC 的， 他们的那个HMBR和Board Rate 是不透明的，随他说了算，锁定期一过，等着哭吧 ...

谢谢您的提醒，身边朋友选过UOB，也遭遇过。现在我估计就看CITI和DBS的固定利率5年的？

hygj660

上个月刚买的房，签的citi的loan，记得是1.35% fix for 3years啊，现在是5年的了？

xlq1986

hygj660 发表于 1-4-2013 22:29
上个月刚买的房，签的citi的loan，记得是1.35% fix for 3years啊，现在是5年的了？ ...

我这个是中介给的。还没去银行问。请问你的贷款是自己去银行找的还是中介推荐的？

hygj660

xlq1986 发表于 2-4-2013 09:18
我这个是中介给的。还没去银行问。请问你的贷款是自己去银行找的还是中介推荐的？ ...

我们是中介推荐的banker，你做in principal的时候的banker不是也都会给你rate嘛。