分享一下， 用
Loan Amount |
: |
$398,400.00 |
Loan Period (Yrs) |
: |
30 |
as example
FIXED 2 YEARS PACKAGE HOUSING LOAN ANALYSIS
Loan Amount | : | $398,400.00 | Loan Period (Yrs) | : | 30 |
|
|
Bank |
: |
HONG LEONG FINANCE |
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Package |
: |
Fixed2Yr_Penalty2Yr_HDB $100K Comp Nov10 |
|
|
|
Interest Expenses |
Fst Yr |
$4,655.32 |
Fst 3 Yrs |
$19,247.39 |
Fst 5 Yrs |
$41,383.63 |
Fst 10 Yrs |
$91,398.60 |
|
|
Total |
$189,865.81 |
|
|
|
|
|
|
|
Interest Rate |
Monthly Installment |
Year 1 |
|
1.18% |
$1,314.62 |
Year 2 |
|
1.68% |
$1,409.63 |
Year 3 |
|
2.18% |
$1,508.68 |
Year 4 |
|
3.08% |
$1,696.91 |
Year 5 |
|
3.08% |
$1,696.91 |
Year 6 |
|
3.08% |
$1,696.91 |
|
More |
|
Penalty Period (Yrs) : |
2 |
Legal Subsidy : |
$1,593.60 |
Full Redemption Penalty : |
1.5% of outstanding loan within 2 years from loan disbursement + refund of legal subsidy within 3 years from loan disbursement |
Partial Repayment Penalty : |
1.5% of amt prepaid within 2 years. |
Legal Subsidy (%) : |
0.4 |
Min Loan Max Subsidy : |
Min loan $100K and up to $2K subsidy.
Others:-
(1) board rate is currently at 4.25%. |
|
FIXED 3 YEARS PACKAGES HOUSING LOAN ANALYSIS
Loan Amount | : | $398,400.00 | Loan Period (Yrs) | : | 30 |
|
|
Bank |
: |
POSB |
|
Package |
: |
Fixed3Yr_Penalty3Yr_80K(100K legalsub) Comp Mar11 |
|
|
|
Interest Expenses |
Fst Yr |
$4,641.03 |
Fst 3 Yrs |
$18,429.27 |
Fst 5 Yrs |
$38,064.08 |
Fst 10 Yrs |
$82,221.69 |
|
|
Total |
$167,815.33 |
|
|
|
|
|
|
|
Interest Rate |
Monthly Installment |
Year 1 |
|
1.18% |
$1,314.62 |
Year 2 |
|
1.68% |
$1,409.63 |
Year 3 |
|
1.98% |
$1,468.58 |
Year 4 |
|
2.75% |
$1,626.43 |
Year 5 |
|
2.75% |
$1,626.43 |
Year 6 |
|
2.75% |
$1,626.43 |
|
More |
|
Penalty Period (Yrs) : |
3 |
Legal Subsidy : |
$1,593.60 |
Free Fire Insurance (Yrs) : |
1 |
Full Redemption Penalty : |
0.75% of outstanding loan within 3 years + 0.75% admin fee on original loan amt within 3 years + refund of legal fee within 3 years.
Waiver of penalty fee due to sale of property. |
Partial Repayment Penalty : |
1.5% of amount prepaid within penalty period. |
Legal Subsidy (%) : |
0.4 |
Min Loan Max Subsidy : |
Min loan $100K and up to $1800 subsidy.
Others:-
(1) Cancellation fee at 0.75% on amount cancelled or undisbursed amt.
(2) admin fee 0.75% on original loan if loan is cancelled
(3) Interest rate:
Year 1 at 1.18% fixed
Year 2 at 1.68% fixed
Year 3 at 1.98% fixed
Thereafter at 3mth SIBOR + 1.25%
Above is based on SIBOR at 1.5% in Year 4 and thereafter.
(4) require to get Mortgage Insurance. Waiver is subject to approval. |
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|
Bank |
: |
CITIBANK |
|
Package |
: |
Fixed3Yr_Penalty3Yr_300K comp no intoff_Feb11 |
|
|
|
Interest Expenses |
Fst Yr |
$4,719.88 |
Fst 3 Yrs |
$18,661.35 |
Fst 5 Yrs |
$37,582.99 |
Fst 10 Yrs |
$80,095.42 |
|
|
Total |
$162,492.27 |
|
|
|
|
|
|
|
Interest Rate |
Monthly Installment |
Year 1 |
|
1.20% |
$1,318.34 |
Year 2 |
|
1.70% |
$1,413.52 |
Year 3 |
|
2.00% |
$1,472.56 |
Year 4 |
|
2.65% |
$1,605.41 |
Year 5 |
|
2.65% |
$1,605.41 |
Year 6 |
|
2.65% |
$1,605.41 |
|
More |
Penalty Period (Yrs) : |
3 |
Legal Subsidy : |
$1,593.60 |
Full Redemption Penalty : |
1.5% of outstanding loan within penalty period + refund of legal subsidy/valuation subsidy within 3 years. After penalty period, if full repayment does not fall on rollover dates, breakage fee 0.5% of amount repaid is payable. |
Partial Repayment Penalty : |
1.5% of amt prepaid within penalty period + proportionate refund of legal subsidy if partial repayment made within 3 years. After penalty period, if partial prepayment does not fall on rollover dates, breakage fee 0.5% of amount prepaid payable. |
Legal Subsidy (%) : |
0.4 |
Min Loan Max Subsidy : |
Min loan $300K and up to $2500.
Others:-
(1) Interest rate is:-
Year 1 at 1.2% fixed (exp 31 May 2012)
Year 2 at 1.7% fixed (exp 31 May 2013)
Year 3 at 2.0% fixed (exp 31 May 2014)
Thereafter at 1mth SIBOR + 1.15%.
Above interest rate is assuming 3mth SIBOR at 0.7% in Year 1; 1% in Year 2 and thereafter at 1.5%
(2) cancellation fee 1%.
(3) 1mth SIBOR not offered to HDB. |
FIXED 5 YEARS PACKAGE HOUSING LOAN ANALYSIS
Loan Amount | : | $398,400.00 | Loan Period (Yrs) | : | 30 |
|
|
Bank |
: |
MAYBANK |
|
Package |
: |
Fixed5Yr_Penalty5Yr_100K comp/buc Aug10_promotion |
|
|
|
Interest Expenses |
Fst Yr |
$3,469.18 |
Fst 3 Yrs |
$19,542.00 |
Fst 5 Yrs |
$37,477.77 |
Fst 10 Yrs |
$90,080.07 |
|
|
Total |
$192,651.61 |
|
|
|
|
|
|
|
Interest Rate |
Monthly Installment |
Year 1 |
|
0.88% |
$1,259.57 |
Year 2 |
|
2.00% |
$1,472.56 |
Year 3 |
|
2.25% |
$1,522.87 |
Year 4 |
|
2.50% |
$1,574.16 |
Year 5 |
|
2.50% |
$1,574.16 |
Year 6 |
|
3.25% |
$1,733.86 |
|
More |
|
Penalty Period (Yrs) : |
5 |
Legal Subsidy : |
$1,593.60 |
Free Fire Insurance (Yrs) : |
1 |
Full Redemption Penalty : |
1.5% of outstanding loan within 5 years (pro-rated) + refund of legal subsidy/valuation subsidy within 3 years + admin fee 0.25% on original loan amount within penalty period. |
Partial Repayment Penalty : |
1.5% of amount prepaid within penalty period (pro-rated). |
Legal Subsidy (%) : |
0.4 |
Min Loan Max Subsidy : |
Min loan $100K and up to $2.5K subsidy
Others:-
(1) cancellation fee 1.5%
(2) one time free conversion after 5 years from first disbursement or expiry of penalty period, whichever is later
(3) extended loan tenure - up to 40 years or age 82 whichever is earlier, depending on property.
(4) Board rate currently at 3.75%. |
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FLOATING RATE, LOCK-IN 2 YEARS PACKAGES HOUSING LOAN ANALYSIS
Loan Amount | : | $398,400.00 | Loan Period (Yrs) | : | 30 |
|
|
Bank |
: |
HONG LEONG FINANCE |
|
Package |
: |
Floating Rate_Penalty2Yrs_$100K Comp Nov10 |
|
|
|
Interest Expenses |
Fst Yr |
$3,548.20 |
Fst 3 Yrs |
$17,343.60 |
Fst 5 Yrs |
$39,424.24 |
Fst 10 Yrs |
$89,284.30 |
|
|
Total |
$186,861.30 |
|
|
|
|
|
|
|
Interest Rate |
Monthly Installment |
Year 1 |
|
0.90% |
$1,263.19 |
Year 2 |
|
1.48% |
$1,371.14 |
Year 3 |
|
2.18% |
$1,508.68 |
Year 4 |
|
3.08% |
$1,696.91 |
Year 5 |
|
3.08% |
$1,696.91 |
Year 6 |
|
3.08% |
$1,696.91 |
|
More |
|
Penalty Period (Yrs) : |
2 |
|
|
Legal Subsidy : |
$1,593.60 |
Full Redemption Penalty : |
1.5% of outstanding loan amt within 2 years from loan disbursement + refund of legal subsidy within 3 years from loan disbursement |
Partial Repayment Penalty : |
1.5% on prepaid amt within 2 years. |
Legal Subsidy (%) : |
0.4 |
Min Loan Max Subsidy : |
Min loan of $100k and up to $2K subsidy
Others
(1) currently board rate at 4.25% |
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本文内容由 envytec 提供 |
