ocbc贷款配套

tuosum

请问一下下面这个配套的 VR 是什么意思啊，banker说这个基本上不会变，上次改变是2006年，第一次看到这个，不明白，请问高手这个配套和sibor比较哪个好？

Package Type	SIBOR Rate (SIBOR currently @  0.4%)	Variable Rate (VR currently @  4.5%)
Lock in Period	3yrs	3yrs
1st yr	3mth  SIBOR + 0.78%	1.08% (VR – 3.42%)
2nd yr	3mth  SIBOR + 0.98%	1.18% (VR – 3.32%)
3rd yr	3mth  SIBOR + 1.08%	1.48% (VR – 3.02%)

cindyw03

建议拿sibor 相关的，VR 是银行自己的基准利率，由银行自己决定。sibor 至少跟着市场走，很公平。VR 是 利率跌时它基本不动， 利率涨是它积极跟进

xclai09

Rate seem to be high for 3yr lock in (for a residential property).
Broad-rate package is lower rate (considering current Sibor is around 0.4% and 2 yrs later can be high)  but more risky (not so much more) and less transparent.

BTW, 3month sibor rate is not as good as 1month sibor package