收到三个贷款配套,请教下哪家比较好:
配套1. Variable (current VR= 4.5%) – Free conversion at ANYTIME · Year1 = 1.05% = ( VR- 3.45%) · Year 2 = 1.15% = (VR - 3.35%) · Year3 = 1.35% = (VR –3.15%) · Year 4 = 2.65% (VR- 1.85%) Year5 = 3.75% (vr-0.75%)
可随意转换到配套2,但是VR貌似是银行internal board rate,不知道有没有风险。banker说现在的vr很低,第一年才0.98%
配套2.NO Lock in SIBORpackage ( last 3M Sibor = 0.40%) (FREE CONVERSION 3 MONTHS AFTER TOP)
· Year 1 = 3months Sibor + 0.75% · Year 2 = 3months Sibor + 0.75% · Year 3 = 3months Sibor + 0.75% · Year 4 = 3months Sibor + 1.00% · Thereafter = 3months Sibor +1.25%(however there is a free conversion at TOP) 之前很多人提到的渣打银行的套餐,要买的那个公寓渣打贷的套数太多,不能给了。
求大家比较一下啊。万分感谢。
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