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Arcachon
12-09-17, 20:40
PACKAGE 3: FLOATING FD PROPERTY LOAN RATE_15M PEGGED (2 YEAR PENALTY PERIOD)
(For completed properties, min $100K Loan outstanding)
Yr 1: 1.38% (FDPR_15M + 1.13%)
Thereafter: 1.38% (FDPR_15M + 1.13%)
The bank’s prevailing FD Property Loan Rate_15M (FDPR_15M) is at 0.25% p.a.

Partial Redemption Penalty: Nil.
If loan outstanding fall below $200,000 after partial repayment within the lock in period of 2 years from the date of conversion, a penalty of 1.50% on the prepaid amount will be imposed.
Partial Prepayment is subject to 1 month written the notice.

Full Redemption Penalty:
1.50% on redeemed amount within 2 years from the date of conversion.
Full redemption is subject to 3 months written notice.
Arcachon
13-09-17, 07:25
http://www.mortgagewise.sg/uob-launches-its-dmr-home-loan/
Arcachon
13-09-17, 07:28
https://www.iproperty.com.sg/news/uob-switches-to-15-months-fixed-deposit-mortgage-rate-fdmr/
Arcachon
13-09-17, 07:42
https://www.99.co/blog/singapore/fixed-deposit-home-rate-fhr-loan/
Kelonguni
13-09-17, 07:45
For the extremely kiasee, there is also the 3 year fixed rate. 1.48 till 1.68 or 1.68 fixed.

Low is here to stay.
Arcachon
13-09-17, 07:46
http://www.businesstimes.com.sg/banking-finance/dbs-and-uob-in-home-loan-war-with-zero-per-cent-spread

http://www.businesstimes.com.sg/sites/default/files/image/2017/02/28/BT_20170228_LSHOMEWARS28BOX_2765281-page-001_0.jpg
Arcachon
13-09-17, 07:59
For the extremely kiasee, there is also the 3 year fixed rate. 1.48 till 1.68 or 1.68 fixed.

Low is here to stay.

Most still believe interest rate going up because they don't believe in Money printing.

Maybe Singapore currency should show the Bank that prints it just like HK currency.

https://www.google.com.sg/search?q=HK+currency&source=lnms&tbm=isch&sa=X&ved=0ahUKEwjc3POR7aDWAhUDpo8KHRTVA14Q_AUICigB&biw=1094&bih=487

http://www.traveller.org/hongkong/images/hk-50f.jpg
Arcachon
13-09-17, 08:17
http://www.businesstimes.com.sg/sites/default/files/image/2017/09/11/Fixed%20rate%20home%20loan%20packages.JPG

http://www.businesstimes.com.sg/real-estate/uob-hsbc-join-mortgage-war-with-3-year-fixed-rate-packages
Arcachon
13-09-17, 08:18
http://www.theindependent.sg/are-singapore-banks-transferring-interest-volatility-risks-to-consumers/
2824
13-09-17, 10:28
Thanks for the article, repriced loan at FHR9 + 1.05


http://www.theindependent.sg/are-singapore-banks-transferring-interest-volatility-risks-to-consumers/
teddybear
13-09-17, 12:46
Very attractive, but seems only for new launch only? In this case you are unlikely to realize advantage of it. Better go for DBS FHR+0.8% throughout.
teddybear
13-09-17, 12:46
FHR9 is how much now?
DHT
13-09-17, 13:40
Can I ask if I can refinance my BUC condo after 3 years even though it has not TOP?
2824
13-09-17, 15:14
FHR9 = 0.25 for now


FHR9 is how much now?
teddybear
13-09-17, 15:50
FHR (0.25) + 1.05% = 1.3%, is this throughout rate or only first few years?



FHR9 = 0.25 for now
Arcachon
13-09-17, 16:33
Can I ask if I can refinance my BUC condo after 3 years even though it has not TOP?

Ask your Bank.
PropVestor
13-09-17, 17:12
I had just re-financed to FHR for Duo after 3+ years (SIBOR locked in from 2013-2017). I do believe rates will remain relatively flat for the next few years.
2824
13-09-17, 19:46
FHR (0.25) + 1.05% = 1.3%, is this throughout rate or only first few years?

Throughout rate