UOB怎么随便提高房屋贷款利率？——有贷款朋友请进

蓝色幻想

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>y102115</i>在2006-12-28 17:02:00的发言：</b><br/><div><font face="Arial"><font size="2">我今年3月签的UOB<span class="968473208-28122006"> floating rate HDB loan, 利率是:第1年2.75%(board rate - 2.75%), 第2年3.25%(board rate - 2.25%),第3年起3.5%(board rate - 2%)</span></font></font></div><div><font face="Arial"><font size="2"><span class="968473208-28122006">谁知上上周收到UOB信通知我们board rate提高1%，从5.5%提高到6.5%，我的利率变成3.75%, 4.25, 4.5%, 比现在市场还高！</span></font></font></div><div><font face="Arial"><font size="2"><span class="968473208-28122006">一次性调高1%也太离谱了，要知道银行的利率成本SIBOR 在今年并没有大幅波动，维持在3-3.4%。原来以为board rate是银行的基本利率，不会随便调整，哪知道每个房贷配套都有不同的board rate！UOB这样调高board rate让我觉得他们可以随便调整利率，而不管市场利率波动情况。即使我们做re-financing,1.5%的penalty也会让我们甘愿继续被宰。我甚至怀疑，当市场房贷利率降到2、3年前1-2%时，UOB会主动调低board rate让我们受惠么？</span></font></font></div><div><font face="Arial"><font size="2"><span class="968473208-28122006">有没有像和我一样遭遇的人啊？请高人明鉴！</span></font></font></div></div><p></p>我也是上了贼船的人啊.我是2006年4月份牵的<font size="2">UOB floating rate HDB loan.<span class="968473208-28122006">一次性调高1%也太离谱了</span>.哎没有办法啊.砸锅卖铁也要趁早把它还了,不然的话我的血都被他抽光了呀.</font>[em06]

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>gougouzhu</i>在2006-12-31 20:21:00的发言：</b><br/><p>hi Michael， 想向你请教一下，我刚准备买房（一切都还没开始），请问第一步是找banker咨询吗？这样的话你认为我能不能赶上这个promotion呢？多谢了 [em31]</p></div><p>if u are able to buy within this week , u should be able to take up this package. but buy hse , don't hurry, don't because of the loan package look good than u jump into it, more importan is u must like the hse, who know the next bank package will be much more better.</p>[em01]

gougouzhu

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>michael8330</i>在2007-1-3 16:49:00的发言：</b><br/><p>if u are able to buy within this week , u should be able to take up this package. but buy hse , don't hurry, don't because of the loan package look good than u jump into it, more importan is u must like the hse, who know the next bank package will be much more better.</p>[em01]</div><p>I see....it's&nbsp;definitely impossible for me to buy within this week....hehe..thanx anyway for your advice [em07]</p>