本帖最后由 老鼠爱小米 于 10-9-2009 00:53 编辑
A Standard Chartered Group Company
financing HDB (up to 80% financing)
| 1 year Fixed Rate
| Year 1
| 1.70% fixed
| Year 2
| SIBOR + 1.30%
| Year 3
| SIBOR + 1.30%
| Thereafter
| SIBOR + 1.30%
|
3 Month SIBOR is currently 0.68 (as of 08 Sept 2009).
Product Features and Benefits
§
Mortgage loan interest rate is determined by Associations of Banks in Singapore and reflects actual market conditions.
§
Full pricing transparency (SIBOR is published in Business Times) and you can benefit from decreasing market interest rates as the rate is fixed every 3 months
§
1 year Lock in (i.e. within the lock in period – partial payment is subject to 1.5% prepayment fee on the amount prepaid, full repayment is subject to a 1.5% fee on the outstanding loan amount)
§
Cancellation fee of 1.5% applies on undrawn loan amount if loan is cancelled before disbursement
§
Legal subsidy 0.5% of the loan amount (capped at $2000) – subject to a 3 year clawback
§
Free fire insurance for the life of the loan – subject to a 3 year clawback
The above promotional packages are subject to availability and may be subject to change without prior notice.
UOB Bank:
Promotional 2-yr lock-in floating rate
1st year 1.88% (HDBMR – 2.62%) 2nd year 2.68% (HDBMR – 1.82%) 3rd year 3.28% (HDBMR – 1.22%)
Thereafter 3.75% (HDBMR – 0.75%)
Interest commencement date from 1st disbursement date or 3 months from LO date whichever is earlier
No partial prepayment penalty. However, if loan falls below $10,000 within 1st disbursement date after partial prepayment within 2 year, a penalty of 1.50% on prepaid amount will be imposed
1.50% full redemption penalty within 2 year of 1st disbursement date
1.50% cancellation penalty on amount cancelled
0.40% legal subsidy of the loan amount (capped at $2,000). This has to be refunded if the loan is repaid within 3 years.
1 year free fire insurance
Our current mortgage rate “HDBMR” is 4.50%.
OCBC Bank:
Fixed Rates
One Year Lock In
Year 1 1.85% (Fixed) Year 2 2.00% (VR less 2.50%) Year 3 3.75% (VR less 0.75%) Thereaft 3.75% (VR less 0.75%)
Rate Reference: Value Rate is currently at 4.50% p.a.
Terms and conditions
- 12 months lock in period
- 1.50% commitment fee on partial/ full redemption within 12 months
- 1.50% commitment fee on amount cancelled prior to disbursement
- Legal subsidy at 0.4% of loan amount, capped at $2000
Two Year Lock In
Year 1 1.50% (Fixed)
Year 2 2.99% (Fixed)
Year 3 3.75% (VR less 0.75%)
Thereaft 3.75% (VR less 0.75%)
Rate Reference: Value Rate is currently at 4.50% p.a.
- 24 months lock in period
Three Year Lock In
Year 1 1.50% (Fixed)
Year 2 2.99% (Fixed)
Year 3 2.99% (Fixed)
Thereaft 3.75% (VR less 0.75%)
Rate Reference: Value Rate is currently at 4.50% p.a.
- 36 months lock in period
Variable Rates
One Year Lock in
Year 1 1.88% (VR less 2.62%)
Year 2 1.98% (VR less 2.52%)
Year 3 2.18% (VR less 2.32%)
Thereaft 3.75% (VR less 0.75%)
Rate Reference: Value Rate is currently at 4.50% p.a.
Terms and conditions
- 12 months lock in period
Two Years Lock In
Year 1 1.68% (VR less 2.82%)
Year 2 1.68% (VR less 2.82%)
Year 3 1.68% (VR less 2.82%)
Thereaft 3.75% (VR less 0.75%)
Rate Reference: Value Rate is currently at 4.50% p.a.
Terms and conditions
- 24 months lock in period
Three Years Lock In
Year 1 1.60% (VR less 2.90%)
Year 2 1.60% (VR less 2.90%)
Year 3 1.60% (VR less 2.90%)
Thereaft 3.75% (VR less 0.75%)
Rate Reference: Value Rate is currently at 4.50% p.a.
Terms and conditions
- 36 months lock in period
DBS Bank:
3-year fixed rate
Year 1 1.99%
Year 2 1.99%
Year 3 1.99%
House insurance: S$ 500 per year. (15% rebate)
Legal fee subsidy: about 1270 | 
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