Hi, was wondering if anyone can advice me on which bank has the best home loan package now. I'm not familiar with SIBOR, SOR and this is my first time buying a resale private property. My last decision was DBS which is offering fixed 1.99% for first 3 years, with no lock-in or pre-payment penalty. But I feel this package is good if property is going to pick up, however, there has also been sentiments that next yr property prices will drop and hence interest rates may also drop. So not sure if I should go for a SIBOR/SOR packages instead.
Any advice is appreciated. Thanks!