请教 DBS 贷款配套

milu · 发表于 10-7-2012 01:02:40|来自：新加坡

请教各位如下配套是否该买 MPM? 不买的话差别有多大呢？（买组屋）

Lock In Period	3 YRS FIXED* LOCK 3 YRS ( MUST BUY MPM )**	3 YRS FIXED LOCK 3 YRS ( NO MPM )	5 YRS FIXED LOCK 5 YRS
Year 1	1.38% (Fixed)	1.48% (Fixed	2.25% (Fixed
Year 2	1.38% (Fixed)	1.48% (Fixed)	2.25% (Fixed)
Year 3	1.38% (Fixed)	1.48% (Fixed)	2.25% (Fixed) till Year 5
Therafter	3M Sibor + 1.25%	3M Sibor + 1.25%	3M Sibor + 1.25%
Commitment period	3 years from the date of first disbursement	3 years from the date of first disbursement	5 years from the date of first disbursement
Commitment Fee ( Penalty )	0.75% on the outstanding loan amount if property is fully repay within commitment period
Admin Fee ( Penalty )	0.75% on the original loan amount if property is fully repay within commitment period OR cancelled
Partial Prepayment ( Penalty )	1.50% on the amount prepaid if within commitment period
Cancellation Fee	0.75% on the original loan amount cancelled or undisbursed
Legal Subsidy	0.4% of loan amount or $2,400 whichever is lower ( PTE ) 0.4% of loan amount or $1,800 whichever is lower ( HDB )
Clawback Period for Legal Subsidy	To be refunded if the loan is redeemed within 3 years from 1st loan disbursement
Other Benefits	- Free fire insurance with home contents cover for the 1st year - Valuation fee will be borne by the Bank for cases where the Bank calls for the valuation report

***offered only if myprotector mortgage ( MPM ) is taken up

*The promotional packages are available on a limited tranche basis. Submission of application form does not guarantee acceptance by the Bank. DBS Bank reserves the right to withdraw the packages at any time or reject your application whenever the tranche limit is reached, without prior notice.