新加坡各个银行的房屋贷款配套集中帖（2011年）

The rates for Variable Rates Promotional Package for HDB are
year 1 - 0.80% (SRFR less 2.95%)
year 2 - 1.68% (SRFR less 2.07%)
year 3 - 2.28% (SRFR less 1.47%)
year 4 & beyond - 2.60% (SRFR less 1.15%)
For 5 year fixed rates, the rates are
Year 1 - 0.88%(FIXED)
Year 2 - 2.00%(FIXED)
Year 3 - 2.25%(FIXED)
Year 4 - 2.50%(FIXED)
Year 5 - 2.50%(FIXED)
Year 6 & beyond - 3.25%(Variable, based on SRFR - 0.50%)
For 3 year fixed rate, the rates are as follows
Yr 1 0.88% (Fixed)
Yr 2 1.90% (Fixed)
Yr 3 2.30% (Fixed)
Yr 4 & above 3.25% (SRFR less 0.5%)
SIBOR:
Year 1 - 3 M SIBOR + 0.50% pa
Year 2 - 3 M SIBOR + 1.00% pa
Year 3 - 3 M SIBOR + 1.25% pa
All our above packages has a free fire insurance for the first year and also legal fee subsidy of 0.4% on the loan amount capped at $2500

------------------------------------------------------------

感谢redsnow 的补充：

OCBC HOME LOAN PACKAGES – Fixed (HDB)

Package Description        Fixed
1yr Lock-in        Fixed 2 yr Lock in

Lock in Period        1yr        2yr
1st yr        1.6% (Fixed)        1.6% (Fixed)
2nd yr        1.8% (VR – 2.7%)        1.8% (Fixed)
3rd yr        2.65% (VR – 1.85%)        3.75% (VR – 0.75%)
Thereafter        3.75% (VR – 0.75%)        3.75% (VR – 0.75%)
Housing Loan Value Rate (VR) - currently at 4.50%
Full Redemption Penalty        1.5% on outstanding amount within 12 mths from 1st loan disbursement        1.5% on outstanding amount within 24 mths from 1st loan disbursement
Partial Prepayment Penalty        1.5% on prepaid amount within 12 mths from 1st loan disbursement        1.5% on prepaid amount within 24 mths from 1st loan disbursement
Legal Subsidy -0.50% of loan amount capped at $2500


*Terms and Conditions apply. The bank reserves the right to vary the stated package from time to time and at the bank’s discretion

另外这个是各个银行目前能确定的利息，都是前2~3年锁定的fixed配套，假设贷款年限是20年，格式是：

银行 [3年总利息][3年后每月还款（以目前3mth sor计算）]
[配套名称]
[第一年利率][第二年利率][第三年利率][第三年之后的利率]

City 12513 1496
Citibank Home Saver 2-Year Lock In Package
1.45% 1.45% 3sor+1% 3Sor+1.15%

CIMB 12929 1491
2 Year Lock-in (for completed HDB properties only)
1.28% 1.68% 3Sor+1.25%


DBS 13847 1512
*Promo* Fixed Rate Package with 3-Year Lock In
1.18% 1.68% 1.98% 3Sor+1.25

City 14022 1500
Citibank Home Saver 3-Year Lock In Package
1.2% 1.7% 2% 3Sor+1.15%

POSB 14155 1512
*Promo* 3-Year Fixed Rate Package with MyProtector Mortgage
1.28% 1.68% 1.98% 3Sor+1.25%

Maybank 14451 1713
Fixed Rate Package (3yr/5yr lock-in)

0.88% 1.9% 2.3% 3.25% for 3 yr
0.88% 2% 2.25% 3.25% for 5 yr


隐性成本：
DBS/POSB:
re-finance要500新币;  3年之后改总还款时间要250新币；第一年之后每年必须买50新币的火险（对应4A HDB）

OCBC:
在OCBC内部做re-finance不需要额外的钱；第一年送火险，以后火险不是必须的。

期待大家补充和我目前不确定的：

CIMB ：？怎么联系？
City： banker 跟我讲必须要买火险，不过因为只是电话咨询，没有给具体价格，也没说清re-finance需不需要钱（含糊其辞的回答……）。但他提出了个好处就是以后从别的银行过来，可以给做re-finance的钱（对应DBS的就是500新币）
MayBank：online chat的banker说没有额外费用，不过总觉得不踏实，还没来得及电话咨询。