2年房屋贷款到期要更换的问题

肉肉肉肉肉肉 · 发表于 8-8-2014 10:15:04|来自：香港

签的是MAYBANK,贷款32万.

2年到了,现在要换,利息高了很多,我想问下有人知道吗?

1.同一时期每个人问到的利息一样还是银行根据收入会给每个人利息不一样啊?
2.要收800块,为什么啊,之前签不说第一次换是免费的吗?
3.如果现在换银行的话,Maybank要收取我们什么费用吗?去新的银行还要收费用吗?
4.如果继续签MANYBANK,签什么配套比较好啊

小白一枚,完全看不懂啊

那个银行的工作人员电话一直打不通,只好来这里问下,我把MAYBANK的利息贴出来

HDB

Fixed Rate Package

Commitment Period 2 years

   Interest Rate
Year 1 1.60% p.a.
Year 2 1.70% p.a.
Thereafter    2.50% pa (SRFR less 1.25% pa)

Fixed Rate Package

Commitment Period 3 years

   Interest Rate
Year 1 1.55% p.a.
Year 2 1.75% p.a.
Year 3 1.85% p.a.
Thereafter    2.50% pa (SRFR less 1.25% pa)

3Month Sibor Commitment Period 2 year

Interest Rate
Year 1 3M SIBOR + 1.05% p.a.

Year 2 3M SIBOR + 1.20% p.a.

Thereafter 3M SIBOR + 1.25% p.a.

Interest Base Rate:

Board Rate Singapore Residential Financing Rate (SRFR) currently at 3.75%p.a.
Reference Rate (for SIBOR package only) 3M SIBOR (Singapore Interbank Offered Rate) as at the first business day of the month.

Fees and Charges

Prepayment Fee  1.50% on prepaid amount within the commitment period. Minimum outstanding (disbursed) loan amount must be maintained at $100,000 at all times.
Redemption Fee  1.50% on redeemed loan amount within the commitment period
Cancellation Fee       1.50% on cancelled amount
Breakage Fee (applicable only when prepayment/ redemption is made out of lock-in period)       1.50% of amount prepaid/ redeemed will be applicable for prepayment or redemption on a date which falls out of interest reset date, i.e. if prepayment/ redemption is done on a interest reset date then no Breakage Fee is chargeable.
** Packages are subject to changes

pl · 发表于 8-8-2014 10:44:43|来自：香港

1.同一时期每个人问到的利息一样还是银行根据收入会给每个人利息不一样啊?
基本一样。但是也有讲价余地，例如A银行的贷款利率高，B银行的比较低，有时可以让A银行match B银行的利率。
2.要收800块,为什么啊,之前签不说第一次换是免费的吗?
800块是什么钱？

3.如果现在换银行的话,Maybank要收取我们什么费用吗?去新的银行还要收费用吗?
目前的Fix rate是Maybank最好，其实不换银行挺好的。

4.如果继续签MANYBANK,签什么配套比较好啊
谁也说不好，要是我就签三年的

pl · 发表于 8-8-2014 10:49:38|来自：香港

现在HDB贷款配套，最多人签的就是POSB和Maybank
POSB的浮动利率，现在是1.88%，并且前八年Cap在2.5%，怕利率涨的都签这个
Maybank的Fix rate目前利率最低

肉肉肉肉肉肉 · 发表于 8-8-2014 10:53:55|来自：香港

pl 发表于 8-8-2014 10:44
1.同一时期每个人问到的利息一样还是银行根据收入会给每个人利息不一样啊?
基本一样。但是也有讲价余地，例 ...

. New rates will be effected one month from the Date of Acceptance of the Letter of Offer ( $800 for this exercise)

800块是这个.

你说3年是这个吗?那3年后我们再换要钱吗?

Fixed Rate Package

Commitment Period 3 years

   Interest Rate
Year 1 1.55% p.a.
Year 2 1.75% p.a.
Year 3 1.85% p.a.
Thereafter    2.50% pa (SRFR less 1.25% pa)