【配图:老鼠爱小米】已经付了1000块钱定金,要开始研究银行了。大家有没有也是最近买房子的?一起分享一下利率配套,方便大家(其实也包括我自己)比较价格,我先来:
2011.3.14:
May Bank:
The rates for Variable Rates Promotional Package for HDB are
year 1 - 0.80% (SRFR less 2.95%)
year 2 - 1.68% (SRFR less 2.07%)
year 3 - 2.28% (SRFR less 1.47%)
year 4 & beyond - 2.60% (SRFR less 1.15%)
For 5 year fixed rates, the rates are
Year 1 - 0.88%(FIXED)
Year 2 - 2.00%(FIXED)
Year 3 - 2.25%(FIXED)
Year 4 - 2.50%(FIXED)
Year 5 - 2.50%(FIXED)
Year 6 & beyond - 3.25%(Variable, based on SRFR - 0.50%)
For 3 year fixed rate, the rates are as follows
Yr 1 0.88% (Fixed)
Yr 2 1.90% (Fixed)
Yr 3 2.30% (Fixed)
Yr 4 & above 3.25% (SRFR less 0.5%)
SIBOR:
Year 1 - 3 M SIBOR + 0.50% pa
Year 2 - 3 M SIBOR + 1.00% pa
Year 3 - 3 M SIBOR + 1.25% pa
All our above packages has a free fire insurance for the first year and also legal fee subsidy of 0.4% on the loan amount capped at $2500
------------------------------------------------------------ 感谢redsnow 的补充:
OCBC HOME LOAN PACKAGES – Fixed (HDB)
Package Description Fixed
1yr Lock-in Fixed 2 yr Lock in
Lock in Period 1yr 2yr
1st yr 1.6% (Fixed) 1.6% (Fixed)
2nd yr 1.8% (VR – 2.7%) 1.8% (Fixed)
3rd yr 2.65% (VR – 1.85%) 3.75% (VR – 0.75%)
Thereafter 3.75% (VR – 0.75%) 3.75% (VR – 0.75%)
Housing Loan Value Rate (VR) - currently at 4.50%
Full Redemption Penalty 1.5% on outstanding amount within 12 mths from 1st loan disbursement 1.5% on outstanding amount within 24 mths from 1st loan disbursement
Partial Prepayment Penalty 1.5% on prepaid amount within 12 mths from 1st loan disbursement 1.5% on prepaid amount within 24 mths from 1st loan disbursement
Legal Subsidy -0.50% of loan amount capped at $2500
*Terms and Conditions apply. The bank reserves the right to vary the stated package from time to time and at the bank’s discretion
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3月16日补充:另外这个是各个银行目前能确定的利息,都是前2~3年锁定的fixed配套,假设贷款年限是20年,格式是:
银行 [3年总利息][3年后每月还款(以目前3mth sor计算)]
[配套名称]
[第一年利率][第二年利率][第三年利率][第三年之后的利率]
City 12513 1496
Citibank Home Saver 2-Year Lock In Package
1.45% 1.45% 3sor+1% 3Sor+1.15%
CIMB 12929 1491
2 Year Lock-in (for completed HDB properties only)
1.28% 1.68% 3Sor+1.25%
DBS 13847 1512
*Promo* Fixed Rate Package with 3-Year Lock In
1.18% 1.68% 1.98% 3Sor+1.25
City 14022 1500
Citibank Home Saver 3-Year Lock In Package
1.2% 1.7% 2% 3Sor+1.15%
POSB 14155 1512
*Promo* 3-Year Fixed Rate Package with MyProtector Mortgage
1.28% 1.68% 1.98% 3Sor+1.25%
Maybank 14451 1713
Fixed Rate Package (3yr/5yr lock-in)
0.88% 1.9% 2.3% 3.25% for 3 yr
0.88% 2% 2.25% 3.25% for 5 yr
隐性成本:
DBS/POSB:
re-finance要500新币; 3年之后改总还款时间要250新币;第一年之后每年必须买50新币的火险(对应4A HDB)
OCBC:
在OCBC内部做re-finance不需要额外的钱;第一年送火险,以后火险不是必须的。
期待大家补充和我目前不确定的:
CIMB :?怎么联系?
City: banker 跟我讲必须要买火险,不过因为只是电话咨询,没有给具体价格,也没说清re-finance需不需要钱(含糊其辞的回答……)。但他提出了个好处就是以后从别的银行过来,可以给做re-finance的钱(对应DBS的就是500新币)
MayBank:online chat的banker说没有额外费用,不过总觉得不踏实,还没来得及电话咨询。 本文内容由 grichard 提供 |