请有经验的朋友进来指点参谋，谢谢！

batfly

请各位有经验的朋友指点一二，看看下面的两种配套哪种比较划算？哪个利率较低一点？

(1)SOR Package with 1 Year Lockin



Yr 1: 3M SOR + 0.85%

Yr 2: 3M SOR + 1.00%

Yr 3: 3M SOR + 1.25%

Thereafter: 3M SOR + 1.50%

(2)(For Refinancing Only)

2 Years Loyalty

Without Penalty Subsidy

With up to 1.50% Penalty Subsidy

Interest Rates





Year 1

Sibor + 0.50%

Year 2

Sibor + 0.75%

Year 3

Sibor + 1.25%

Thereafter

Sibor + 1.25%



Option of 3 month or 12 month Sibor