xixi2011

newmum 发表于 18-1-2012 10:18
我家是ocbc.
开始他们也不免行政费啊。就讨价还价了。我坚持0. 最后他们就说他的领导同意了。就这样。1.9 ...

1.99%?

好像也不低呢，现在俺这个UOB的1.78%

听说目前UOB可以转到

option A:   Floating (1 Year penalty period)

(For completed properties only, min $80K Loan outstanding)

Yr 1: 1.15% (HDBMR less 3.35%)

Yr 2: 1.65% (HDBMR less 2.85%)

Thereafter: 2.65% (HDBMR less 1.85%)

HDB Mortgage Rate (“HDBMR”) = 4.50% p.a.

option B:   2Years Fixed (2 years penalty period)

(For completed properties only, min $80K Loan outstanding)

Yr 1: 1.28% (Fixed)

Yr 2: 1.68% (Fixed)

Thereafter: 2.65% (HDBMR less 1.85%)

HDB Mortgage Rate (“HDBMR”) = 4.50% p.a.

魅力S射

我也在打算换配套，只收500手续费。我放出话，不免的话就换银行。

xixi2011

魅力S射 发表于 20-1-2012 15:05
我也在打算换配套，只收500手续费。我放出话，不免的话就换银行。

此话一出，还是要500元？你也是UOB么

魅力S射

大彩 发表于 20-1-2012 15:56
俺也是上2个礼拜DBS做的，一开口就是500；磨了半天免费，银行态度很坚决，俺就立马转换方向，要求给个优惠 ...

我也是DBS的,磨了半天便宜150,还在努力中.
没办法,我是第二年,换银行要还律师费,明天去问其他银行愿意帮我还律师费的不.
老婆后悔当初没有跟他们讨价还价.

两片叶子

我的DBS贷款FIX 3年，现在才1年半，不过利息太高，哪位达人指点下现在想换配套该怎么办？换银行也行。

shichengati

威胁他们不免救换银行，他们最怕你跑掉了

xixi2011

shichengati 发表于 28-1-2012 00:07
威胁他们不免救换银行，他们最怕你跑掉了

可是又不想真的折腾换，怕威胁了他们不理肿么办呢。。。囧

DZ0525

UOB Homeloan

Packages
Floating
Lock in period
1 yr Lock
1st yr
1.15% (MR-3.35%)
2nd yr
1.65% (MR-2.85%)
3rd yr
1.95% (MR-2.55%)
Thereafter
2.65% (MR-1.85%)
Board Rate
MR 4.5%

cckcck

听朋友说利率不高想换配套，1年多前签的DBS锁定3年利率，打给银行说想做re-pricing，1500块的罚款+500块的新配套费。最后磨了一次500刀省掉了。算算还是别动了。难道在绑定期间换配套要交1500刀罚款吗？没法威胁换银行，如果换银行，律师费要补上他们出的那部分。
求解答1500刀算是违约费吗？必须出吗？磨了两次磨不下来啊。

西湖大道

给你的利率是多少呢？


option a:   Floating (NO penalty period)

Yr 1: 1.42% (MR less 3.08%)

Yr 2: 1.78% (MR less 2.72%)

Yr 3: 2.28% (MR less 2.22%)

Thereafter: 2.65% (MR less 1.85%)

Mortgage Rate (“MR”) = 4.50% p.a.



Partial Prepayment Penalty:

Nil, subject to 1 month written notice.

Full Redemption Penalty:

Nil, subject to 3 months written notice.





option B:   Floating (1 Year penalty period)

Yr 1: 1.32% (MR less 3.18%)

Yr 2: 1.78% (MR less 2.72%)

Yr 3: 2.28% (MR less 2.22%)

Thereafter: 2.65% (MR less 1.85%)

Mortgage Rate (“MR”) = 4.50% p.a



Partial Prepayment Penalty:

Nil.

However, if loan outstanding fall below $80,000 after partial prepayment within 1 year from date of conversion, a penalty of 1.50% on prepaid amount will be imposed, subject to 1 month written notice.

Full Redemption Penalty:

1.50% on redeemed amount within 1 year from date of conversion, subject to 3 months written notice.





option C:   2Y Fixed (2 years penalty period)

Yr 1: 1.38% (Fixed)

Yr 2: 1.68% (Fixed)

Thereafter: 2.65% (MR less 1.85%)

Mortgage Rate (“MR”) = 4.50% p.a.



Partial Redemption Penalty:

1.50% on prepaid amount within 2 years from date of conversion, subject to 1 month written notice.

Full Redemption Penalty:

1.50% on redeemed amount within 2 years from date of conversion, subject to 3 months written notice.