OCBC的1.63%利率房贷怎么样

best98

看到新闻说OCBC提供1.63%利率的房贷，和36个月存款利率挂钩，类似于DBS的配套，不过看样子比DBS的划算啊，看新闻好像说要通过MoneySmart.sg 申请，这个配套怎么样，为什么要通过MoneySmart.sg 申请呢，找OCBC的banker可以受理吗
http://www.straitstimes.com/busi ... -private-properties

房地产贷款

这个配套已经没有了,放出去一天就已经停止因为case以爆满,吃不下了。原本的1.03%加fdmr月底也会下架变高了。

静候轮回

moneysmart是一个免费帮你提供贷款配套建议的网站，然后他会帮你介绍banker.所以你不是从他那申请，直接找ocbc banker也可以。不过反正moneysmart的service也不花钱，他是ocbc还有这配套你就找他让他给你介绍个ocbc的banker呗

Maplesg

现在不管通过moneysmart等broker还是直接找banker都已经没有了，OCBC同行和我说这就和你们中国小米卖手机一样秒杀，玩的就是心跳。

不过说句仅个人观点，且个人都太不相信这话是自己说的：

在截止我发帖时的利率行情下，宁可拿DBS更高的也不要拿OCBC。

12月时DBS 24个月定存利率 0.55%，OCBC36个月定存 0.65%，看起来很reasonable

12月23号时DBS的24个月定存利率直接起到1%，而OCBC还在告诉你36个月定存在0.65%且相当稳定。

what do you think?

Maplesg

顺带另一个知名broker网站的创始人最近刚写了一篇文章，我复制粘贴下最后部分。

https://www.icompareloan.com/res ... d-not-a-fixed-rate/

Maybank’s website (Reference 3) indicates 2% for their fixed deposit while CIMB (Reference 4) is paying 1.95% ($20,000 and above) for their 24 months fixed deposit (13 Feb 2016), while OCBC’s 36 month fixed deposit rate ($5,000 to $20,000) pays only 0.65%.

In short, depositors in OCBC or DBS are being underpaid by more than 1% in fixed deposit rates due largely to faith.

The interest rate difference indicates an inefficient market.

When the depositors finally realized that there is no difference depositing with DBS, OCBC or Maybank or CIMB, local banks will have to raise deposit rates or lose their Fixed Deposit funds to other banks who are paying much more interests to depositors.

When that happens, people who are on FHR or Fixed Deposit Mortgage Rate (FDMR) home loans will feel the pain when they receive letters from OCBC.

Perhaps, a surer bet will be to go directly for a Fixed Rate package if the difference is not very much more expensive.