UOB贷款利率问题

3角饭团

今天跟UOB了解了下贷款的package。

他们的sales给我了两个方案，请大家帮忙看看，哪个比较划算？

感谢！

Progressive Scheme
Packages	Floating
Lock in period	2 yr Lock
1st yr	0.85% (MR-3.65%)
2nd yr	1.55% (MR-2.95%)
3rd yr	1.95% (MR-2.55%)
Thereafter	3.75% (MR-0.75%)
Board Rate	MR 4.5%

Allow to pay partially but ensure the o/s do not fall below 200K within 2 yr lock in

Progressive Scheme
Packages	Floating
Lock in period	No Lock
1st yr	3M + 0.75%
2nd yr	3M + 0.75%
3rd yr	3M + 0.75%
Thereafter	3M + 1.00%
Board Rate	3M SOR

good99

回复 3角饭团 的帖子

Board Rate一般不变的吧，因此可以看成是固定的。

短期内浮动的肯定利率低，长期有点危险。主要看你个人喜欢比较安心一点的还是在前两年省点利息

galaxydl

两个都是浮动利率，风险太了点，打去mybank问问，给的固定利率配套不错

3角饭团

谢谢各位的建议和回复，等下就打去maybank问问