分享2011年3月各大银行贷款配套

envytec

分享一下， 以下配套现在都还有

用

Loan Amount	:	$398,400.00
Loan Period (Yrs)	:	30

as example

FIXED 2 YEARS PACKAGE

HOUSING LOAN ANALYSIS

Loan Amount	:	$398,400.00
Loan Period (Yrs)	:	30

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Bank : HONG LEONG FINANCE Package : Fixed2Yr_Penalty2Yr_HDB $100K Comp Nov10 Interest Expenses Fst Yr $4,655.32 Fst 3 Yrs $19,247.39 Fst 5 Yrs $41,383.63 Fst 10 Yrs $91,398.60 Total $189,865.81 Interest Rate Monthly Installment Year 1 1.18% $1,314.62 Year 2 1.68% $1,409.63 Year 3 2.18% $1,508.68 Year 4 3.08% $1,696.91 Year 5 3.08% $1,696.91 Year 6 3.08% $1,696.91 More

Penalty Period (Yrs) : 2 Legal Subsidy : $1,593.60 Full Redemption Penalty : 1.5% of outstanding loan within 2 years from loan disbursement + refund of legal subsidy within 3 years from loan disbursement Partial Repayment Penalty : 1.5% of amt prepaid within 2 years. Legal Subsidy (%) : 0.4 Min Loan Max Subsidy : Min loan $100K and up to $2K subsidy. Others:- (1) board rate is currently at 4.25%.

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FIXED 3 YEARS PACKAGES

HOUSING LOAN ANALYSIS

Loan Amount	:	$398,400.00
Loan Period (Yrs)	:	30

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Bank : POSB Package : Fixed3Yr_Penalty3Yr_80K(100K legalsub) Comp Mar11 Interest Expenses Fst Yr $4,641.03 Fst 3 Yrs $18,429.27 Fst 5 Yrs $38,064.08 Fst 10 Yrs $82,221.69 Total $167,815.33 Interest Rate Monthly Installment Year 1 1.18% $1,314.62 Year 2 1.68% $1,409.63 Year 3 1.98% $1,468.58 Year 4 2.75% $1,626.43 Year 5 2.75% $1,626.43 Year 6 2.75% $1,626.43 More
Penalty Period (Yrs) : 3 Legal Subsidy : $1,593.60 Free Fire Insurance (Yrs) : 1 Full Redemption Penalty : 0.75% of outstanding loan within 3 years + 0.75% admin fee on original loan amt within 3 years + refund of legal fee within 3 years. Waiver of penalty fee due to sale of property. Partial Repayment Penalty : 1.5% of amount prepaid within penalty period. Legal Subsidy (%) : 0.4 Min Loan Max Subsidy : Min loan $100K and up to $1800 subsidy. Others:- (1) Cancellation fee at 0.75% on amount cancelled or undisbursed amt. (2) admin fee 0.75% on original loan if loan is cancelled (3) Interest rate: Year 1 at 1.18% fixed Year 2 at 1.68% fixed Year 3 at 1.98% fixed Thereafter at 3mth SIBOR + 1.25% Above is based on SIBOR at 1.5% in Year 4 and thereafter. (4) require to get Mortgage Insurance. Waiver is subject to approval.

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Bank : CITIBANK Package : Fixed3Yr_Penalty3Yr_300K comp no intoff_Feb11 Interest Expenses Fst Yr $4,719.88 Fst 3 Yrs $18,661.35 Fst 5 Yrs $37,582.99 Fst 10 Yrs $80,095.42 Total $162,492.27 Interest Rate Monthly Installment Year 1 1.20% $1,318.34 Year 2 1.70% $1,413.52 Year 3 2.00% $1,472.56 Year 4 2.65% $1,605.41 Year 5 2.65% $1,605.41 Year 6 2.65% $1,605.41 More

Penalty Period (Yrs) :	3
Legal Subsidy :	$1,593.60
Full Redemption Penalty :	1.5% of outstanding loan within penalty period + refund of legal subsidy/valuation subsidy within 3 years. After penalty period, if full repayment does not fall on rollover dates, breakage fee 0.5% of amount repaid is payable.
Partial Repayment Penalty :	1.5% of amt prepaid within penalty period + proportionate refund of legal subsidy if partial repayment made within 3 years. After penalty period, if partial prepayment does not fall on rollover dates, breakage fee 0.5% of amount prepaid payable.
Legal Subsidy (%) :	0.4
Min Loan Max Subsidy :	Min loan $300K and up to $2500. Others:- (1) Interest rate is:- Year 1 at 1.2% fixed (exp 31 May 2012) Year 2 at 1.7% fixed (exp 31 May 2013) Year 3 at 2.0% fixed (exp 31 May 2014) Thereafter at 1mth SIBOR + 1.15%. Above interest rate is assuming 3mth SIBOR at 0.7% in Year 1; 1% in Year 2 and thereafter at 1.5% (2) cancellation fee 1%. (3) 1mth SIBOR not offered to HDB.

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FIXED 5 YEARS PACKAGE

HOUSING LOAN ANALYSIS

Loan Amount	:	$398,400.00
Loan Period (Yrs)	:	30

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Bank : MAYBANK Package : Fixed5Yr_Penalty5Yr_100K comp/buc Aug10_promotion Interest Expenses Fst Yr $3,469.18 Fst 3 Yrs $19,542.00 Fst 5 Yrs $37,477.77 Fst 10 Yrs $90,080.07 Total $192,651.61 Interest Rate Monthly Installment Year 1 0.88% $1,259.57 Year 2 2.00% $1,472.56 Year 3 2.25% $1,522.87 Year 4 2.50% $1,574.16 Year 5 2.50% $1,574.16 Year 6 3.25% $1,733.86 More

Penalty Period (Yrs) : 5 Legal Subsidy : $1,593.60 Free Fire Insurance (Yrs) : 1 Full Redemption Penalty : 1.5% of outstanding loan within 5 years (pro-rated) + refund of legal subsidy/valuation subsidy within 3 years + admin fee 0.25% on original loan amount within penalty period. Partial Repayment Penalty : 1.5% of amount prepaid within penalty period (pro-rated). Legal Subsidy (%) : 0.4 Min Loan Max Subsidy : Min loan $100K and up to $2.5K subsidy Others:- (1) cancellation fee 1.5% (2) one time free conversion after 5 years from first disbursement or expiry of penalty period, whichever is later (3) extended loan tenure - up to 40 years or age 82 whichever is earlier, depending on property. (4) Board rate currently at 3.75%.

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FLOATING RATE, LOCK-IN 2 YEARS PACKAGES

HOUSING LOAN ANALYSIS

Loan Amount	:	$398,400.00
Loan Period (Yrs)	:	30

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Bank : HONG LEONG FINANCE Package : Floating Rate_Penalty2Yrs_$100K Comp Nov10 Interest Expenses Fst Yr $3,548.20 Fst 3 Yrs $17,343.60 Fst 5 Yrs $39,424.24 Fst 10 Yrs $89,284.30 Total $186,861.30 Interest Rate Monthly Installment Year 1 0.90% $1,263.19 Year 2 1.48% $1,371.14 Year 3 2.18% $1,508.68 Year 4 3.08% $1,696.91 Year 5 3.08% $1,696.91 Year 6 3.08% $1,696.91 More
Penalty Period (Yrs) : 2 Legal Subsidy : $1,593.60 Full Redemption Penalty : 1.5% of outstanding loan amt within 2 years from loan disbursement + refund of legal subsidy within 3 years from loan disbursement Partial Repayment Penalty : 1.5% on prepaid amt within 2 years. Legal Subsidy (%) : 0.4 Min Loan Max Subsidy : Min loan of $100k and up to $2K subsidy Others (1) currently board rate at 4.25%

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envytec

Bank : MAYBANK Package : Floating_2YrPenalty_$100K Comp/BUC Aug10 Promo Interest Expenses Fst Yr $3,153.17 Fst 3 Yrs $18,090.43 Fst 5 Yrs $36,716.76 Fst 10 Yrs $78,575.47 Total $160,289.91 Interest Rate Monthly Installment Year 1 0.80% $1,245.14 Year 2 1.68% $1,409.63 Year 3 2.28% $1,528.97 Year 4 2.60% $1,594.95 Year 5 2.60% $1,594.95 Year 6 2.60% $1,594.95 More

Penalty Period (Yrs) :	2
Legal Subsidy :	$1,593.60
Free Fire Insurance (Yrs) :	1
Full Redemption Penalty :	1.5% of outstanding loan within 2 years + refund of legal subsidy/fire ins/valuation subsidy(up to $500; if any) within 3 years.
Partial Repayment Penalty :	1.5% of aggregated amt prepaid if aggregated prepayment within penalty period > 20% of original loan amt. No penalty if prepay up to 20% of loan within penalty period.
Legal Subsidy (%) :	0.4
Min Loan Max Subsidy :	Min loan $100K and up to $2.5K subsidy. Others:- (1) cancellation fee 1.5%. (2) Currently board rate is at 3.75%

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SIBOR RATE, NO LOCK-IN PACKAGE

HOUSING LOAN ANALYSIS

Loan Amount	:	$398,400.00
Loan Period (Yrs)	:	30

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Bank : HSBC Package : 1M/3M SIBOR_NoPenalty_350K comp Nov10 Interest Expenses Fst Yr $5,508.72 Fst 3 Yrs $21,165.09 Fst 5 Yrs $37,621.08 Fst 10 Yrs $74,477.72 Total $146,114.88 Interest Rate Monthly Installment Year 1 1.40% $1,355.92 Year 2 1.85% $1,442.86 Year 3 2.30% $1,533.05 Year 4 2.30% $1,533.05 Year 5 2.30% $1,533.05 Year 6 2.30% $1,533.05 More

Legal Subsidy : $1,992 Free Fire Insurance (Yrs) : 1 Full Redemption Penalty : Refund of legal subsidy within 3 years. Partial Repayment Penalty : No Penalty. Partial repayment allowed in Year 1 provided o/s loan after partial repayment is at least $100K. Legal Subsidy (%) : 0.5 Min Loan Max Subsidy : Min loan $350K and up to $2.5K subsidy. Others:- (1) cancellation fee at 1.5% on amt cancelled/undisbursed. (2) Interest rate is: Year 1 at SIBOR + 0.90% Year 2 at SIBOR + 0.85% Year 3 at SIBOR + 0.80% Thereafter at SIBOR + 0.80% Option to choose 1mth or 3mth SIBOR. Above interest rate is assuming 1mth SIBOR at 0.5% in Year 1; 1% in Year 2 and thereafter at 1.5% The SIBOR rate is pubished in Business Times. (3) Interest rate is determined on first business day of the month.

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SOR RATE, NO LOCK-IN PACKAGE

HOUSING LOAN ANALYSIS

Loan Amount	:	$398,400.00
Loan Period (Yrs)	:	30

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Bank : ANZ Bank Package : 3MCombo_NoPenalty_300K Comp/BUC Aug10 Interest Expenses Fst Yr $6,495.56 Fst 3 Yrs $23,120.59 Fst 5 Yrs $40,697.73 Fst 10 Yrs $80,150.33 Total $157,351.90 Interest Rate Monthly Installment Year 1 1.65% $1,403.82 Year 2 1.95% $1,462.62 Year 3 2.45% $1,563.82 Year 4 2.45% $1,563.82 Year 5 2.45% $1,563.82 Year 6 2.45% $1,563.82 More
Legal Subsidy : $1,593.60 Free Fire Insurance (Yrs) : 1 Full Redemption Penalty : Refund of legal subsidy within 3 years. Partial Repayment Penalty : Allowed. Legal Subsidy (%) : 0.4 Min Loan Max Subsidy : Min loan $300K and up to $2500 Others:- (1) cancellation fee 1.5% for completed & 0.75% for uncompleted properties. (2) interest rate at 3mth Combo + 0.95% throughout loan period. Combo is taking the average of 3mth SIBOR and 3mth SOR as at first business day of the month. Above calculation is based on 3mth Comb at 0.7% in Year 1, 1% in Year 2 and thereafter at 1.5%.

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SIBOR RATE, 2 YEARS LOCK-IN PACKAGES

HOUSING LOAN ANALYSIS

Loan Amount	:	$398,400.00
Loan Period (Yrs)	:	30

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Bank : HSBC Package : 1M/3M SIBOR_2YrPenalty_350K Comp Nov10 Interest Expenses Fst Yr $4,719.88 Fst 3 Yrs $19,787.02 Fst 5 Yrs $37,651.91 Fst 10 Yrs $77,736.74 Total $155,527.07 Interest Rate Monthly Installment Year 1 1.20% $1,318.34 Year 2 1.75% $1,423.26 Year 3 2.25% $1,522.87 Year 4 2.50% $1,574.16 Year 5 2.50% $1,574.16 Year 6 2.50% $1,574.16 More
Penalty Period (Yrs) : 2 Legal Subsidy : $1,992.00 Free Fire Insurance (Yrs) : 1 Full Redemption Penalty : 1.5% of outstanding loan within 2 years + Refund of legal subsidy within 3 years. Partial Repayment Penalty : 1.5% on prepaid amount within penalty. Legal Subsidy (%) : 0.5 Min Loan Max Subsidy : Min loan $350K and up to $2.5K subsidy. Others:- (1) cancellation fee at 1.5% on amt cancelled/undisbursed. (2) Interest rate is: Year 1 at 1mth SIBOR + 0.70% Year 2 at SIBOR + 0.75% Year 3 at SIBOR + 0.75% Thereafter at SIBOR + 1% Option to choose 1mth or 3mth SIBOR. Above interest rate is assuming 1mth SIBOR at 0.5% in Year 1; 1% in Year 2 and thereafter at 1.5% The SIBOR rate is pubished in Business Times. (3) Interest rate is determined on first business day of the month.

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Bank : POSB Package : 3MSIB_Penalty2Yr_80K(100K legalsub) comp Mar11 Interest Expenses Fst Yr $5,311.45 Fst 3 Yrs $20,009.96 Fst 5 Yrs $39,681.70 Fst 10 Yrs $83,941.01 Total $170,096.16 Interest Rate Monthly Installment Year 1 1.35% $1,346.47 Year 2 1.70% $1,413.52 Year 3 2.20% $1,512.73 Year 4 2.75% $1,626.43 Year 5 2.75% $1,626.43 Year 6 2.75% $1,626.43 More

Penalty Period (Yrs) :	2
Legal Subsidy :	$1,593.60
Free Fire Insurance (Yrs) :	1
Full Redemption Penalty :	0.75% of outstanding loan within penalty period + admin fee 0.75% of original loan within penalty period + refund of legal subsidy within 3 years.
Partial Repayment Penalty :	1.5% on prepaid amt within penalty period.
Legal Subsidy (%) :	0.4
Min Loan Max Subsidy :	Min loan $100K and up to $1800. Others (1) Cancellation fee at 0.75% on loan amount cancelled. (2) Admin fee 0.75% on loan cancelled or undisbursed. (3) Interest rate: Year 1 at 3mth SIBOR + 0.65% Year 2 at 3mth SIBOR + 0.70% Year 3 at 3mth SIBOR + 0.70% Thereafter at 3mth SIBOR + 1.25% Above is assuming SIBOR at 0.7% in Year 1, 1% in Year 2 and thereafter at 1.5%. (4) Interest rate shall commence 3mths from date of Letter of Offer or first disbursement of Housing Loan, whichever is earlier. (5) require to get Mortgage Insurance. Waiver is subject to approval.

vivocity2010

8错！支持一下！

csy2006

强烈支持，LZ收集信息辛苦了。

若雷

感谢楼主的分享！

老鼠爱小米

很好的信息资料，加高亮加精华。

建议楼主在帖子标题上注明时间比较好，毕竟贷款存款这些资料数据的时效性很强。每个时期的信息数据肯定不一样。

poppy0726

谢谢分享。