请教：PR买HDB组屋，选择哪家银行贷款比较好？

mybabygirl

我们找的中介给我们介绍的是OCBC，是她的banker朋友。刚开始中介说，OCBC利率最低，推荐我们找她的朋友。现在，我们准备约她的朋友时，她又说，她也不太了解各家银行有什么区别，还叮嘱我们最好能跟这位banker定下来，否则她不好跟她的朋友交待。

请教有经验的朋友，我们的中介是不是经验不足？还是就想跟我们推荐她的朋友呢？各位有好的银行可以推荐吗？多谢了！

努力工作

还可以选uob ,dbs

hali003

目前推荐dbs

mybabygirl

谢谢楼上两位建议，我去DBS网站上看了，但要怎么找贷款利率呢？

豚鱼

目前DBS 的利率比较好：
90% 贷款：第一年：2.49%， 第二年：2.59%， 第三年：2.69% 固定3年

80% 贷款：第一年：1.99%， 第二年：2.09%， 第三年：2.19% 固定3年

80% 贷款：第一年：1.5%+ 浮动利率， 第二年1%+ 浮动利率， 固定两年

QQ: 1012170542

kitty你好

uob不错。推荐

平凡又平凡

hsbc
PACKAGE 1:  Standard Sibor-based Package (No Lock-in)

Year 1:                3 mth Sibor** + 0.9%
Year 2:                3 mth Sibor** + 0.9%
Year 3:                3 mth Sibor** + 0.9%
Thereafter:        3 mth Sibor** + 1%

**Sibor: refers to Singapore Interbank Offer Rate for SGD published in Business Times on the first business day.

Currently, as at 1st Feb 2010, 3-month Sibor is at 0.67808%

The effective interest rates will be based on the prevailing sibor rate at the point of conversion, and will be revised on the rollover dates (every three months)

3 mth Sibor rollover Example: If 3-month Sibor is @ 0.70% on the first business day of Mar 10, on the conversion date, effective interest rates = 0.70% + 1.10% = 1.80%. This 1.80% will be locked for 3 months from 1 Mar 10 to 31 May 10. On 1 Jun 10, we will look @ the prevailing 3 month Sibor on the first business day of Jun 10, and effective interest rates will be locked for another 3 months.


PACKAGE 2: Variable Rate Package (With 1-Year Lock-in)

Year 1:                2.00% (SHR* less 3.80%)
Year 2:                2.80% (SHR* less 3.00%)
Year 3:                3.40% (SHR* less 2.40%)
Thereafter:        3.80% (SHR* less 2.00%)


*SHR: Special Housing Rate is currently at 5.80% p.a
(*The bank reserves the right to adjust the SHR)


Partial Repayment (Package 1 and 2 only)

There will be no penalty for any partial repayment provided that the loan outstanding after the partial repayment is at least $100,000 within the 12 months from and including the date of effective repricing interest rates. Otherwise, 1.50% of the prepaid amount is payable within the 12 months from and including the date of effective repricing interest rates. Interest in lieu will be applicable upon failure to provide the bank with at least one (1) months' written notice of partial repayment.

Full Repayment

Package 1 only
There will be no penalty for full repayment at any time on giving to the Bank not less than three (3) months' prior written notice or upon payment of three (3) months' interest in lieu of such notice.

Package 2 only
There will be an early repayment fee of prorated 1.50% of the outstanding loan amount for any early repayment made in full within 12 months from and including the date of effective repricing interest rates. Interest in lieu will be applicable upon failure to provide the bank with at least three (3) months' written notice of partial repayment.