我们买的是楼花,属于BUC(building under construction),贷款利率和普通建完的公寓有些许不同,因此只给也买了BUC的同志们做参考。BUC银行都不给fix,除了DBS。 (这是我们11月20号左右咨询来的结果) DBS FIX SIBOR fix for completed projects (promotion) year 1 1.88% 3m sibor +0.90% 1.28% year 2 1.88% 3m sibor +0.90% 1.68% year 3 1.88% 3m sibor +0.90% 1.98% thereafter 3m sibor + 1.25% 3m sibor + 1.25% 3m sibor + 1.25% Lock in 3years No 3 years OCBC UOB CITIBANK year 1 3m SOR +0.75% 3m SOR +0.75% 1m sibor +0.65% year 2 3m SOR +0.75% 3m SOR +0.75% 1m sibor +0.75% year 3 3m SOR +0.75% 3m SOR +0.75% 1m sibor +0.80% thereafter 3m SOR +1% 3m SOR +1% Lock in No No No MAYBANK CIMB year 1 3m sibor +0.5% 3M SOR +0.95% year 2 3m sibor +1% 3M SOR +0.95% year 3 3m sibor +1.25% 3M SOR +0.95% thereafter 3m sibor +1.25% 3M SOR +0.95% Lock in 1year No 其中UOB的那个package是banker跟我们讲不要带agent的package,如果带中介就是3m SOR+0.85% since OCBC和UOB一样我们就选了OCBC,据说UOB的banker服务差,不过我们去咨询的那一次倒是不觉得,不过既然人家说不好我们就选了OCBC,最后是那个package加上legal subsidy加到2800,不过这又是另一个story... 律师楼的惨痛经验 http://bbs.sgchinese.net/thread-3871436-1-1.html
|