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发表于 31-8-2018 11:28 AM
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U 银行 4.55 (BR 4.00% + 0.55%) lock in 3 years
H 银行 4.55 (BR 4.05% + 0.5%) lock in 3 years
A 银行 4.7 (BR 4.10% + 0.6%) no lock in
M 银行 4.55 (BR 3.25% + 1.3%) no Lock in
3) A银行应该不用看了吧...
1) Lock-in, 不 Lock-in应该在于你是否会在3年内付清贷款吧... 你应该着重于你要拿什么类型的贷款...
Fully Flexi, Semi-Flexi, non-Flexi...这些才是影响你还Partially Payment的关键...
各个银行也可能会在 Lock in Period 对 Partially Payment 收取一定的手续费...
你可以问问你的Banker...
2) 我会选XX%是低的...BR 会随着市场波动而调整...大家通常一起调...
XX%是固定的...除非你repricing with same bank, refinance with other bank,... |
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