最近的银行贷款配套比较：私人屋及ＨＤＢ组屋

fanglinsg · 发表于 15-3-2006 20:49:00|来自：新加坡

<TABLE>

<TR>
<TD width="11%">
<IMG src="http://www.askdrmoney.com/Banking.gif" border=0></TD>
<TD width="78%">
Home Loans: Private Property
(variable rates)</TD>
<TD width="11%">
<IMG src="http://www.askdrmoney.com/Banking.gif" border=0></TD></TR></TABLE>
<TABLE cellSpacing=0 cellPadding=0 width=740 border=1>

<TR>
<TD vAlign=top>
Rank</TD>
<TD vAlign=top>
Bank Loans
(80% and 90%)</TD>
<TD vAlign=top>
Yr 1</TD>
<TD vAlign=top>
Yr 2</TD>
<TD vAlign=top align=middle>
Yr 3</TD>
<TD vAlign=top align=middle bgColor=#ccffff>
Costs: Years 1+2+3</TD>
<TD vAlign=top>
Phone Number</TD></TR>
<TR>
<TD vAlign=top bgColor=#ffffcc>
1</TD>
<TD vAlign=top bgColor=#ffffcc>
Maybank 80%
 (90%)</TD>
<TD vAlign=top bgColor=#ffffcc>
3.23
(4.0)</TD>
<TD vAlign=top bgColor=#ffffcc>
3.43
(4.0)</TD>
<TD vAlign=top align=middle bgColor=#ffffcc>
 3.73
 (4.48)</TD>
<TD vAlign=top align=middle bgColor=#ccffff>
 10.39
 (13.39)</TD>
<TD vAlign=top bgColor=#ffffcc>
1800-629-2265</TD></TR>
<TR>
<TD vAlign=top bgColor=#ffffff>
1</TD>
<TD vAlign=top bgColor=#ffffff>
OCBC 80%
 (90%)</TD>
<TD vAlign=top bgColor=#ffffff>
3.25
(4.00)</TD>
<TD vAlign=top bgColor=#ffffff>
3.50
(4.25)</TD>
<TD vAlign=top align=middle bgColor=#ffffff>
 3.75
 (4.75)</TD>
<TD vAlign=top align=middle bgColor=#ccffff>
 10.5
 (13.0)</TD>
<TD vAlign=top bgColor=#ffffff>
1800-438-6088</TD></TR>
<TR>
<TD vAlign=top bgColor=#ffffcc>
1</TD>
<TD vAlign=top bgColor=#ffffcc>
UOB 80%
 (90%)</TD>
<TD vAlign=top bgColor=#ffffcc>
3.25
(4.00)</TD>
<TD vAlign=top bgColor=#ffffcc>
3.50
(4.25)</TD>
<TD vAlign=top align=middle bgColor=#ffffcc>
 3.75
 (4.75)</TD>
<TD vAlign=top align=middle bgColor=#ccffff>
 10.5
 (13.0)</TD>
<TD vAlign=top bgColor=#ffffcc>
1800-222-2121 </TD></TR>
<TR>
<TD vAlign=top bgColor=#ffffff>
1</TD>
<TD vAlign=top bgColor=#ffffff>
DBS 80%
 (90%)</TD>
<TD vAlign=top bgColor=#ffffff>
3.25
(4.00)</TD>
<TD vAlign=top bgColor=#ffffff>
3.50
(4.25)</TD>
<TD vAlign=top align=middle bgColor=#ffffff>
 3.75
 (4.75)</TD>
<TD vAlign=top align=middle bgColor=#ccffff>
 10.5
 (13.0)</TD>
<TD vAlign=top bgColor=#ffffff>

</TD></TR>
<TR>
<TD vAlign=top bgColor=#ffffcc>
2</TD>
<TD vAlign=top bgColor=#ffffcc>
Standard 80%
Chartered (90%)</TD>
<TD vAlign=top bgColor=#ffffcc>
3.25
(4.0)</TD>
<TD vAlign=top bgColor=#ffffcc>
 3.75
 (4.5)</TD>
<TD vAlign=top align=middle bgColor=#ffffcc>
4.00
(5.0) </TD>
<TD vAlign=top align=middle bgColor=#ccffff>
11.0
(13.5)</TD>
<TD vAlign=top bgColor=#ffffcc>

</TD></TR>
<TR>
<TD vAlign=top bgColor=#ffffff>
2</TD>
<TD vAlign=top bgColor=#ffffff>
Hong Leong 80% Finance (90%)</TD>
<TD vAlign=top bgColor=#ffffff>
3.30
(4.05)</TD>
<TD vAlign=top bgColor=#ffffff>
3.75
(4.5)</TD>
<TD vAlign=top align=middle bgColor=#ffffff>
4.0
(5.0)</TD>
<TD vAlign=top align=middle bgColor=#ccffff>
11.05
(13.55)</TD>
<TD vAlign=top bgColor=#ffffff>

</TD></TR>
<TR>
<TD vAlign=top bgColor=#ffffcc>
3</TD>
<TD vAlign=top bgColor=#ffffcc>
HSBC 80%
 (90%)</TD>
<TD vAlign=top bgColor=#ffffcc>
 3.5
(4.25)</TD>
<TD vAlign=top bgColor=#ffffcc>
 3.5
 (4.25)</TD>
<TD vAlign=top bgColor=#ffffcc>
 3.5
 (4.5)</TD>
<TD vAlign=top bgColor=#ccffff>
 11.5
 (13.0)</TD>
<TD vAlign=top bgColor=#ffffcc>

</TD></TR>
<TR>
<TD vAlign=top bgColor=#ffffff>
3</TD>
<TD vAlign=top bgColor=#ffffff>
Citibank 80%
 (90%)</TD>
<TD vAlign=top bgColor=#ffffff>
4.75
(4.75)</TD>
<TD vAlign=top bgColor=#ffffff>
3.50
(4.75)</TD>
<TD vAlign=top align=middle bgColor=#ffffff>
3.50
(4.75)</TD>
<TD vAlign=top align=middle bgColor=#ccffff>
11.75
(14.25)</TD>
<TD vAlign=top bgColor=#ffffff>

</TD></TR>
<TR>
<TD vAlign=top bgColor=#ffffcc>
3</TD>
<TD vAlign=top bgColor=#ffffcc>
ABN Amro 80%
 (90%)</TD>
<TD vAlign=top bgColor=#ffffcc>
4.15
(4.25)</TD>
<TD vAlign=top bgColor=#ffffcc>
4.5
(4.5)</TD>
<TD vAlign=top bgColor=#ffffcc>
4.5
(4.5)</TD>
<TD vAlign=top bgColor=#ccffff>
13.15
(13.25)</TD>
<TD vAlign=top bgColor=#ffffcc>
1800-226-2676</TD></TR>
<TR>
<TD vAlign=top colSpan=7>
Notes: (i) Fixed-rate equivalents (approximate) can be calculated by adding 0.5 to the variable rates shown here. Fixed-rate loans are typically fixed for the first two years only.
DBS bank has the longest fixed-rate home loan. It is for 10 years and charges 5.25 per cent per year.
(ii) Most banks require a lock-in. Full repayment before end of the lock-in usually incurs of penalty of 1.5 per cent plus a 0.4 per cent legal subsidy clawback. The typical lock-in is 2 years for variable and 3 years for fixed-rate home loans. HSBC and Maybank have no lock-in period. HSBC charges lower rates for home loans over $300,000.
(iii) An indirect additional cost of 90 per cent loans is borrowers will hit the CPF withdrawal limits sooner than with 80 per cent loans. (When these limits are hit, loan repayments must be made with cash and not CPF money.) </TD></TR></TABLE>
<HR>

<TABLE>

<TR>
<TD width="18%">
<a href="http://www.askdrmoney.com/index.htm" target="_blank" >Home</A> </TD>
<TD width="82%">
<a href="http://www.askdrmoney.com/Home_Loans--HDB.htm" target="_blank" >Go to: Home Loans, HDB</A>
<a href="http://www.askdrmoney.com/Home_Loans--Refinance.htm" target="_blank" >Go to: Home Loans, Refinancing</A></TD></TR></TABLE>
<HR>

infoexpert · 发表于 16-3-2006 02:03:00|来自：新加坡

利息一直在涨.... http://terminology-medical-science.blogspot.com/

fanglinsg · 发表于 16-3-2006 14:38:00|来自：新加坡

看到没有？！大家都拿本地银行之间一样的拆息率在本地做银行服务，但是花旗银行的给出的利息却是最高的！[em09][em03][em04][em12]
要组屋贷款和重组贷款的各家银行配套，请点按第一帖子下方的链接：
<TABLE>

<TR>
<TD width="18%">
<a href="http://www.askdrmoney.com/index.htm" target="_blank" >Home</A> </TD>
<TD width="82%">
<a href="http://www.askdrmoney.com/Home_Loans--HDB.htm" target="_blank" >Go to: Home Loans, HDB</A>
<a href="http://www.askdrmoney.com/Home_Loans--Refinance.htm" target="_blank" >Go to: Home Loans, Refinancing</A></TD></TR></TABLE>[em02][em01][em07]

[此贴子已经被作者于2006-3-16 14:44:26编辑过]

迟飞的雄鹰 · 发表于 20-3-2006 00:20:00|来自：新加坡

谢谢,我用的是DBS,还可以的..

tanr · 发表于 20-3-2006 18:06:00|来自：新加坡

我准备用hdb的，才2.6％，不是很高

逍遥居士 · 发表于 20-3-2006 20:52:00|来自：新加坡

<DIV class=quote>以下是引用tanr在2006-3-20 18:06:00的发言： 我准备用hdb的，才2.6％，不是很高</DIV>
可是现在只有购买新屋的新加坡人才可享有此优惠贷款利率哦

topguy · 发表于 22-3-2006 09:24:00|来自：新加坡

<DIV class=quote>以下是引用逍遥居士在2006-3-20 20:52:00的发言： 
可是现在只有购买新屋的新加坡人才可享有此优惠贷款利率哦</DIV>
新加坡人买二手的不可以享有2。6%的优惠贷款利率吗？

逍遥居士 · 发表于 22-3-2006 10:19:00|来自：新加坡

<DIV class=quote>以下是引用topguy在2006-3-22 9:24:00的发言： 
新加坡人买二手的不可以享有2。6%的优惠贷款利率吗？</DIV>

也是有条件的哦，具体请参看链接
<a href="http://www5.hdb.gov.sg/fi10/fi10201p.nsf/WPDis/Buying%20A%20Resale%20FlatHDB%20Mortgage%20Loan%20criteria?OpenDocument" target="_blank" >http://www5.hdb.gov.sg/fi10/fi10201p.nsf/WPDis/Buying%20A%20Resale%20FlatHDB%20Mortgage%20Loan%20criteria?OpenDocument</A>
HDB provides housing loans at concessionary rate to eligible flat buyers, subject to credit assessment and mortgage loan criteria. Since 1 January 2003, flat buyers who are not eligible for an HDB loan will have to take a loan from bank/financial institution that is licensed by the Monetary Authority of Singapore to provide housing loans. Flat buyers will need to obtain a bank loan when: (a) the total gross monthly household income of all persons (including the spouses/occupiers) listed in the application form exceeds $8,000. (b) the buyers are all Singapore Permanent Residents. (c) the buyers are buying a resale flat under the Single Singapore Citizen (SSC) Scheme and: - the flat they are buying is bigger than a 5-room ; or - their gross monthly income exceeds $3,000. 
。。。。。。

逍遥居士 · 发表于 23-3-2006 16:08:00|来自：新加坡

<DIV class=quote>以下是引用ivicky在2006-3-23 15:12:00的发言： 
你想不仅"挣"钱,更能"赚"钱吗?
网罗天下商机,财富无处不在!</DIV>
打广告上错地方了吧[em06][em06]

最近的银行贷款配套比较：私人屋及ＨＤＢ组屋

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