贷款问题

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搂主，我现在贷款80%，几个问题： 1）你常说的DBS贷款是指POSB home ideal吗？还是其他的？ 2）我询问了几家银行(我找的都是floating得）： POSB home ideal: Here's what POSB Home Ideal offers Home Ideal3-year Fixed Rate Year 1CPF Rate + 1.00%3.88% Fixed Year 2CPF Rate + 1.25%3.88% Fixed Year 3CPF Rate + 1.58%3.88% Fixed Year 4 onwardsCPF Rate + 1.58%CPF Rate + 1.58% 律师费subsidy OCBC： Benefits: 律师费subsidy和350元NTUC voucher OCBC Floating Rates Packages (HDB) Floating Rates 1st yr1st – 12 mth3.25% (BR – 1.25%) 2nd yr13 – 24 mth3.50% (BR – 1.00%) 3rd yr25 – 36 mth3.75% (BR – 0.75%) Thereafter3.75% (BR – 0.75%) Housing Loan Board Rate (BR) – 4.50% currently Lock-in period for full redemption1.5% on outstanding amount within 24 months from 1st loan disbursement Partial PrepaymentNo penalty as long as outstanding loan remain >$100,000 within 2 yrs Maybank浮动利率和OCBC基本一致。也是第一年3。25%，第二年3。5%，然后就是3，75%。但是benefits 看起来很多： Financing of up to 100% of your flat purchase with a Bridging Loan* Interest servicing for up to 1 year Attractive interest rates with a choice of Fixed Rate or Variable Rate Package Cashback of 2.8% (applicable for completed HDB flats only) （不知道这是什么） Choice Instalment Scheme with option to fix your monthly repayment ranging between 0.1% to 1.0% of property purchase price or market valuation, whichever lower One-time one year interest free Renovation Loan for loan amount of up to S$10,000 Special rates for Renovation Loan, CreditAble and Credit Card FREE fire insurance for 1 year FREE home contents insurance up to S$30,000 FREE property valuation (valuation fees, where applicable, shall be borne by customers) Legal fee subsidy 看了搂住前面的帖子，知道搂主推荐DBS的。但是好像DBS的利息要比其他的高啊（3.88 vs 3.75),而且没有任何benefits. 楼主有什么深思在里面吗？我只是看表面而已。还有，这三个楼主觉得哪个好？maybank值得考虑吗？还是楼主推荐DBS?