意见 :房屋贷款

rachellee

想要 refinance....... Loan 120K

StXnd. ChXrt. offer ( Laon only )
1 - 5 year  =  BLR - 1.65
6 onwards = BLR - 2.15

CXMB - Homefixed ( 3 yrs ) - attached w/ current ac
1 - 3 = 5.20%
Thereafter = BLR - 1.40%

觉得 S.C. 的很不错，CXMB 就比较靠近我家；想听听各位意见。谢谢！

TomyamKing

单看rate的话当然选s.c.  但还要看有什么不利条件...

rachellee

原帖由 TomyamKing 于 2-4-2008 04:24 PM 发表
单看rate的话当然选s.c.  但还要看有什么不利条件...

有关不利条件..... 您是说 offer letter 时确认吗？ 还是我现在就可以去 S.C. 问个清楚呢？
S.C. 因为没有 current ac 所以 maintainance fee 就省下了点..... 两个都是 zero cost 的。

TomyamKing

可以问下:
lock in period
withdraw facility
late monthly installment penalty / rate 会变高吗?
reduce principal 的条件

不过最后还是要看清楚 offer letter 的内容...

rachellee

原帖由 TomyamKing 于 3-4-2008 10:18 AM 发表
可以问下:
lock in period
withdraw facility
late monthly installment penalty / rate 会变高吗?
reduce principal 的条件

不过最后还是要看清楚 offer letter 的内容...

OK！我只知道 lock in period for both 是 5 年。
其它的再去问问看。 谢谢您～
如还有什么要留意的，麻烦请您提醒一下咯！

nsl

是的，我的配套是flexi package。

Terms & Condition如下：
１。 Provided that in the event of any default whatsoever in the repayment of the facility the Bank shall have the right to revise/vary the prescribed interest rate above to such other rate as the Bank deems fit.

2. No lump sum payments exceeding 6 months instalment amount are allowed during exit penalty period, otherwise a penalty of 1% of the lump sum payment made will be charged and debited into the housing loan.

3. In the event of any default in the repayment of the facility, the Bank shall convert the prescribed interest rate in this letter of offer to a default rate of BLR + 0.20%.

4. During the entire loan tenure, the Bank reserves the right to increase the prevailing interest rate to at least BLR+0.00% in the event the difference between the BLR and OPR declines to below 2%.

5. Repayment of monthly instalment and progressive interest by Variable Standing Instruction (VSI).

PropertyAgent

原帖由 nsl 于 3-4-2008 08:37 PM 发表
是的，我的配套是flexi package。
Terms & Condition如下：
１。 Provided that in the event of any default whatsoever in the repayment of the facility the Bank shall have the right to revise/vary the  ...

请问你说的是 SC Bank 的贷款吗？
好像有人说过 SC Bank 是 flexi loan
怎么会有限制说不能还超过 6 个月的呢？

rachellee

够力！两家的 service 都够力差 ....... 留了电话和留言两次连个 call 都没有！