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发表于 28-1-2013 13:46:43|来自:新加坡
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xjx83 发表于 22-1-2013 18:35
建议re-price,律师费太高,refinance优惠的钱都给律师了。
agree, here is maybank offer:
Package 1
Attached are the features of the 2 years variable rate loan package:
1st year 0.98% (SRFR – 2.77%)
2nd year 1.48% (SRFR – 2.27%)
3rd year 1.88% (SRFR – 1.87%)
4th – 5th year 2.60% (SRFR - 1.15%)
Thereafter 3.25% (SRFR – 0.50%)
· Lock-in period is 2 years from loan disbursement.
· 1.5% penalty within locked-in period
· Minimum Loan $100K
Package 2
Attached are the features of the 2 years fixed rate loan package:
1st year 1.25% Fixed
2nd year 1.35% Fixed
3rd – 5th year 2.6% (SRFR – 1.15%)
Thereafter 3.25% (SRFR – 0.50%)
· Lock-in period is 2 years from loan disbursement.
· 1.5% penalty within locked-in period
· Minimum Loan $100K
Package 3
Attached are the features of the 3 years fixed rate loan package:
1st year 1.15% Fixed
2nd year 1.35% Fixed
3rd year 1.45% Fixed
4th – 5th year 2.6% (SRFR – 1.15%)
Thereafter 3.25% (SRFR – 0.50%)
· Lock-in period is 3 years from loan disbursement.
· 1.5% penalty within locked-in period
· Minimum Loan $100K
Package 4
Attached are the features of the 2 years SIBOR loan package:
1st year 0.75% + 3M SIBOR
2nd year 0.90% + 3M SIBOR
Thereafter 1.25% + 3M SIBOR
· Lock-in period is 2 years from loan disbursement.
· 1.5% penalty within locked-in period
· Minimum Loan $100K
Package 5
Attached are the features of the 1 years SIBOR loan package:
1st year 0.85% + 3M SIBOR
2nd year 0.95% + 3M SIBOR
Thereafter 1.25% + 3M SIBOR
· Lock-in period is 1 years from loan disbursement.
· 1.5% penalty within locked-in period
· Minimum Loan $100K
There will be a legal fees of $2200 to be paid by the customer to transferring from other bank to Maybank.
Additional cost: 2200+200 (valuation) = 2400
minus re-price 500: 2400-500 = 1900
for 3 year, each year 630
All gaining goes to the lawyer, an lot of other admin/time costs by myself
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