请教一下，大家最近买房拿什么贷款配套的？都有一些什么好处

dudupig · 发表于 16-5-2007 10:17:00|来自：新加坡

最近在看各个银行的贷款配套，感觉差别不大， 请最近买房的同学提供点信息，什么配套相对比较好点。 谢谢

yibei · 发表于 16-5-2007 12:56:00|来自：新加坡

比较了一下，选maybank.

dudupig · 发表于 16-5-2007 17:17:00|来自：新加坡

can you list some more details about maybank package?How do you think POSB home ideal loan package? it is pegged to CPF rate. But the interest is very high, 4% onwards.I think it should be more stable.Thanks!

dudupig · 发表于 17-5-2007 23:02:00|来自：新加坡

maybank的那个lock in 2 years已经没有了，这个利率很吸引人，所以感觉他剩下的没那么好了，就fix得来讲，他还没 hong leong finance低呢，现在比较下来，就hong leong最便宜了呢，可是他怎么样都只是个财务公司，好难啊

yibei · 发表于 17-5-2007 22:27:00|来自：新加坡

<table cellspacing="0" cellpadding="0" width="728" border="0" style="WIDTH: 549pt; BORDER-COLLAPSE: collapse;"><colgroup><col width="200" style="WIDTH: 150pt; mso-width-source: userset; mso-width-alt: 7314;"></col><col></col><col width="54" style="WIDTH: 41pt; mso-width-source: userset; mso-width-alt: 1974;"></col><col></col><col width="122" style="WIDTH: 92pt; mso-width-source: userset; mso-width-alt: 4461;"></col><col></col><col width="54" style="WIDTH: 41pt; mso-width-source: userset; mso-width-alt: 1974;"></col><col></col><col width="122" style="WIDTH: 92pt; mso-width-source: userset; mso-width-alt: 4461;"></col><col></col><col width="54" style="WIDTH: 41pt; mso-width-source: userset; mso-width-alt: 1974;"></col><col></col><col width="122" style="WIDTH: 92pt; mso-width-source: userset; mso-width-alt: 4461;"></col><col></col></colgroup><tbody><tr height="24" style="HEIGHT: 18pt; mso-height-source: userset;"><td class="xl30" width="200" height="24" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext 1pt solid; WIDTH: 150pt; BORDER-BOTTOM: windowtext 2pt double; HEIGHT: 18pt; BACKGROUND-COLOR: transparent;">  Package Name</td><td class="xl33" width="176" colspan="2" style="BORDER-RIGHT: black 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 133pt; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: transparent;">Variable ( No Lock-in )</td><td class="xl33" width="176" colspan="2" style="BORDER-RIGHT: black 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 133pt; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: transparent;">Variable</td><td class="xl33" width="176" colspan="2" style="BORDER-RIGHT: black 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext; WIDTH: 133pt; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: transparent;">3-Yr Fixed</td></tr><tr height="33" style="HEIGHT: 24.95pt; mso-height-source: userset;"><td class="xl31" width="200" height="33" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 1pt solid; WIDTH: 150pt; BORDER-BOTTOM: windowtext 2pt double; HEIGHT: 24.95pt; BACKGROUND-COLOR: transparent;">  Package Indicator</td><td class="xl36" colspan="2" style="BORDER-RIGHT: black 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: transparent;">PBA - A0V</td><td class="xl36" colspan="2" style="BORDER-RIGHT: black 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: transparent;">PBA - A1V</td><td class="xl36" colspan="2" style="BORDER-RIGHT: black 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext; BORDER-BOTTOM: windowtext 2pt double; BACKGROUND-COLOR: transparent;">PBA - A2F</td></tr><tr height="24" style="HEIGHT: 18pt; mso-height-source: userset;"><td class="xl27" width="200" height="24" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 1pt solid; WIDTH: 150pt; BORDER-BOTTOM: #ece9d8; HEIGHT: 18pt; BACKGROUND-COLOR: transparent;">  Interest Rates</td><td class="xl29" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;"> </td><td class="xl24" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;"> </td><td class="xl29" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;"> </td><td class="xl24" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;"> </td><td class="xl25" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;"></td><td class="xl25" width="122" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;"></td></tr><tr height="24" style="HEIGHT: 18pt; mso-height-source: userset;"><td class="xl27" width="200" height="24" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 1pt solid; WIDTH: 150pt; BORDER-BOTTOM: #ece9d8; HEIGHT: 18pt; BACKGROUND-COLOR: transparent;">  Yr 1</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.38%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* - 0.37% )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">2.78%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* - 0.97% )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.68%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( Fixed )</td></tr><tr height="24" style="HEIGHT: 18pt; mso-height-source: userset;"><td class="xl27" width="200" height="24" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 1pt solid; WIDTH: 150pt; BORDER-BOTTOM: #ece9d8; HEIGHT: 18pt; BACKGROUND-COLOR: transparent;">  Yr 2</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.58%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* - 0.17% )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.18%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* - 0.57% )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.68%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( Fixed )</td></tr><tr height="24" style="HEIGHT: 18pt; mso-height-source: userset;"><td class="xl27" width="200" height="24" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 1pt solid; WIDTH: 150pt; BORDER-BOTTOM: #ece9d8; HEIGHT: 18pt; BACKGROUND-COLOR: transparent;">  Yr 3</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.68%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* - 0.07% )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.38%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* - 0.37% )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.68%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( Fixed )</td></tr><tr height="24" style="HEIGHT: 18pt; mso-height-source: userset;"><td class="xl27" width="200" height="24" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 1pt solid; WIDTH: 150pt; BORDER-BOTTOM: #ece9d8; HEIGHT: 18pt; BACKGROUND-COLOR: transparent;">  Yr 4</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.75%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.75%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.75%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* )</td></tr><tr height="24" style="HEIGHT: 18pt; mso-height-source: userset;"><td class="xl27" width="200" height="24" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 1pt solid; WIDTH: 150pt; BORDER-BOTTOM: #ece9d8; HEIGHT: 18pt; BACKGROUND-COLOR: transparent;">  Yr 5</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.75%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.75%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.75%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* )</td></tr><tr height="24" style="HEIGHT: 18pt; mso-height-source: userset;"><td class="xl27" width="200" height="24" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 1pt solid; WIDTH: 150pt; BORDER-BOTTOM: #ece9d8; HEIGHT: 18pt; BACKGROUND-COLOR: transparent;">  > Yr 6</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.75%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.75%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* )</td><td class="xl28" width="54" style="BORDER-RIGHT: #ece9d8; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 41pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">3.75%</td><td class="xl26" width="122" style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; WIDTH: 92pt; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent;">p.a. ( SRFR* )</td></tr></tbody></table>SRFR denotes Singapore Residential Financing Rate  =>  3.75% p.a. ( Monthly Rest Basis )

[此贴子已经被作者于2007-5-17 22:35:16编辑过]

yibei · 发表于 17-5-2007 22:29:00|来自：新加坡

重复了

[此贴子已经被作者于2007-5-17 22:36:28编辑过]

slsl · 发表于 18-5-2007 13:32:00|来自：新加坡

我询问过很多银行，利率都是一样的，只有HSBC偏高。律师费DBS的最低，因为可以自己选，(S$1800)。UOB是2。5K，其他都是2K。都有0。4%的补贴。不同的是各个银行的PROMOTION。如果你能存下钱的话，可以考虑CITIBANK，因为那里提供一个特别储蓄帐户，利率和你的贷款利率一样。也就是说，可以抵消很多利息。。

bnwbonbon · 发表于 19-5-2007 00:08:00|来自：新加坡

我们最近买HDB flat, 签了POSB Home Ideal。也就是和CPF挂钩的那个。第一年是(CHR 2.5%+1.25 = 3.75)，第二年以后(CHR 2.5%+1.5%=4)。比其他的浮动的或者几年固定的要稍微高一点，不过算算每个月就是差了小几十元，而且觉得稳定一些。另外如果你要求两年Lock-in，一年后可以得到1800元现金。 我觉得长久来看，比CHR +1.5%低的利率，应该不会低多少。也就是相对不会亏多少吧。风险不大。是不是我有点悲观倾向？嗬嗬。 总之，要想多省利息，只能努力赚钱，尽早还完咯。

slsl · 发表于 19-5-2007 23:40:00|来自：新加坡

楼上的朋友，替你算了一下。前2年都多0。5%的利息，假设贷20万，前2年多出的利息就是2000，第3年开始每年多500。等于每月多出40元买个稳定。。

dudupig · 发表于 20-5-2007 19:16:00|来自：新加坡

关键我这边新加坡的同事都觉得这个home ideal plan不好，他们讲cpf只是这几年没变，以前是经常变得，最高到4%，他们觉得这个利息太高了，如果他再调个0.5%，你就哭了，人家只出3。5%，他们觉得这是个绝对骗人的计划，听得我都不知道选什么好了

请教一下，大家最近买房拿什么贷款配套的？都有一些什么好处

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