本帖最后由 大马肉骨茶 于 8-6-2012 01:47 PM 编辑
分享一下HDB Housing Loan
由于我是读Finance 专业的~当然会在这方面下功夫~
目前我商讨到的HDB Housing Loan 是~
- Property Type: HDB Resale (Completed)
- Purchase Price: $483k
- Loan-to-Value: 80%
- Loan Amount: $387k
- Prefer Floating Rates
- Ok with Lock-in
XXXX Bank HDB Loan (3 year lock-in) - Year 1: 1mth Sibor + 0.80%
- Year 2: 1mth Sibor + 0.80%
- Year 3: 1mth Sibor + 0.80%
- Year 4 onwards: 1mth Sibor + 1.00% (throughout loan tenure)
1mth Sibor is currently at 0.31794%
Free~ S$500 Tang Voucher S$300 Ikea Voucher Features: - Full legal subsidy
- Free fire insurance throughout loan tenure for the House
- Interest Offset feature whereby 2/3 of your deposits (no minimum) enjoy same interest rates as the mortgage loan and the remaining 1/3 enjoys competitive interest rates (not applicable to HDB properties) |