有跟HONG LEONG FINANCE 房贷的同学吗？

流浪的狮子

中介推荐HONG LEONG FINANCE 贷款，说这个月他家的配套比较划算， 可是他们是财务机构不是银行，值得信任吗？会不会有什么问题？下面是HLF 发给我的。有没有谁跟他们贷款的？有经验的给点意见啊?

HDB Package as at 25/1/2011:
Interest Rate (%pa)	Variable Rate	2 Yr Fixed Rate	3 Yr Fixed Rate	5 Yr Fixed Rate
1st Year	0.90% (HHR - 3.35%)	1.18% Fixed	0.98% Fixed	1.38% Fixed
2nd Year	1.48% (HHR - 2.77%)	1.68% Fixed	1.88% Fixed	1.88% Fixed
3rd Year	2.18% (HHR - 2.07%)	2.18% (HHR - 2.07%)	2.28% Fixed	2.18% Fixed
4th Year	3.08% (HHR - 1.17%)	3.08% (HHR - 1.17%)	3.08% (HHR - 1.17%)	2.48% Fixed
5th Year	3.08% (HHR - 1.17%)	3.08% (HHR - 1.17%)	3.08% (HHR - 1.17%)	2.48% Fixed
Thereafter	3.08% (HHR - 1.17%)	3.08% (HHR - 1.17%)	3.08% (HHR - 1.17%)	3.08% (HHR - 1.17%)
HHR currently at 4.25%pa
Lock In @ 1.5%	2 yrs	2 yrs	3 yrs	5 yrs
Legal Subsidy	0.4% of loan up to $2000, to refund if loan is fully redeemed within 3 yrs
Cancellation Fee	1.5% of loan amt cancelled
Gift Entitlement	1 set (2 pcs) of Mugs for every $100,000 loan, subject to a max of 3 sets per account,
	for customers upon acceptance

tanmy1013

我有个朋友跟他家拿的贷款。你跟人家拿贷款你还怕人家不值得信任？怕到时他垮了你没地方还贷款了？

angel_luo

这个公司做了很多年了，挺正规的