hi All,
my current loan package:
outstanding 550k
out of legal crawback (3yrs), no lock in
current interest rate: 1%+1mth sibor
with interest offset feature
reprice with same bank package(2yr lockin): 0.75+1mth sibor for first 3 yrs, then 1+1mth sibor; no interest offset feature
should i switch to (1)BankOfChina(2yr lockin), 0.55+3mth sibor, then 0.65+3mth sibor?
or (2)take current bank reprice package(2yr lockin)
or (3)stick with current loan(no lock in liao)
or (4) sell away the house, dun waste time thinking
if (1) or (2), i plan to put $$(from current interest offset acct) into cimb bank 0.8%
thanks for your advices.