怎样选择贷款配套？

hlluo2009

最近房子定好了，可是接着又面临怎样选择贷款配套的问题，我有DBS和OCBC的配套：DBS：1）3年FIXED: 1.48%

           2)1-5年        ：FHR+（0.75%，1.00%，1.25%，1.25%,  1.25%）


OCBC：1）   SIBOR 2 Yr lock-in
                                                       (1st,2nd 3rd )yr:    3m SIBOR+(1.00% ,1.10%,1.20%)
                                                        thereafter:  3m SIBOR+1.25%

            2)  SIBOR 3 Yr lock-in       (1st,2nd 3rd )yr:    3m SIBOR+(0.9% ,0.9%,0.9%)
                                                        thereafter:  3m SIBOR+1.25%      
小弟在这里请教各位：哪种配套在目前比较 好点？当然3年后 更改配套或者转化银行也必须考虑，也问过DBS也可以3年FIXED：1.38% ，不过要和他买保险，
请各位达人给些建议，谢谢了。
                       

我的新天地

接下来的市场利率应当是上升趋势，所以，选择配套尽量选择比较长期的配套来锁定较低的利率。

hlluo2009

我的新天地 发表于 23-4-2014 14:46
接下来的市场利率应当是上升趋势，所以，选择配套尽量选择比较长期的配套来锁定较低的利率。 ...

您的意思是选DBS 3年FIXED-1.48%？还是另外有什么好的建议？

我的新天地

hlluo2009 发表于 23-4-2014 15:01
您的意思是选DBS 3年FIXED-1.48%？还是另外有什么好的建议？

• Enjoy interest rates lower than or capped at 2.5% p.a.* for 8 years
• DBS HDB Loan is the first ever HDB Loan to protect you with a cap on interest rate for 8 years. With more stability in your repayments, you’re better able to plan your finances.
  
  When interest rates are low, you’ll enjoy lower rates and you will not pay more than 2.5% p.a.
  
  
  
  When interest rates are high, you’re protected by our interest rate cap and will pay only a maximum of 2.5% p.a.
  
  
  
  Whichever way the interest rate moves, DBS HDB Loan works to your advantage!
• 
  
  • Guaranteed lower interest rates# compared to HDB concessionary loan^
    
  #For the next 8 years, you're guaranteed an interest rate that is at least 0.1% lower than the HDB concessionary interest rate. Let’s calculate how much you can save with DBS HDB Loan.
  
  
  
  Interest rate savings over 8 years† compared to HDB concessionary loan at 2.6% p.a.^
• No prepayment feeThat’s right! Unlike home loans from other banks, DBS HDB Loan gives you the flexibility to repay your loan without paying a fee.
  

* DBS HDB Loan interest rate is capped at prevailing CPF Ordinary Account (”OA”) interest rate which is at 2.5% p.a. at time of print. The CPF OA rate is reviewed quarterly. For the most updated interest rate, please visit www.cpf.gov.sg.
^ HDB concessionary interest rate is pegged 0.1% p.a. above the prevailing CPF OA interest rate which is 2.5% p.a. at time of print.
† Interest rate savings shown are indicative and for illustrative purposes only and computed using a loan tenure of 30 years. Terms and conditions apply.

hlluo2009

我的新天地 发表于 23-4-2014 18:46

Enjoy interest rates lower than or capped at 2.5% p.a.* for 8 years

DBS HDB Loan is the fir ...

呵呵，谢谢了，

hlluo2009

wangshingo 发表于 23-4-2014 23:51
两个月前，我朋友买resale的时候，dbs有个1。38%，fixed三年
可以去问问，

嗯,谢谢,不过要和DBS买贷款保险,这个保险具体内容有谁知道吗?谢谢了

upsea123

让你买的是avias的人生保险 最少买15万 我也买的dbs配套 不加保险1.48 放心选吧 不过我朋友告诉我 5年1.88更值得买

hlluo2009

upsea123 发表于 24-4-2014 08:39
让你买的是avias的人生保险 最少买15万 我也买的dbs配套 不加保险1.48 放心选吧 不过我朋友告诉我 5年1.88 ...

谢谢您,5年1.88%?我怎样没有看到啊?您知道具体是怎样的吗?