到利息升到2.5了，CPF利息还是2.5吗？看看这段关于CPF利息的。The interest rate on Ordinary Account (OA) monies is adjusted quarterly. OA monies earn either the legislated minimum interest of 2.5% per annum, or the 3-month average of major local banks’ interest rates, whichever is higher.
The OA interest rate will be maintained at 2.5% per annum from 1 January 2015 to 31 March 2015, as the computed rate of 0.21% is lower than the legislated minimum interest rate.
这个问题问的好。
“or the 3-month average of major local banks' interest rates, whichever is higher” 也就是 OA 的利息有可能等于 3 month Sibor（当 Sibor > 2.5%）。但浮动贷款利息通常是 Sibor + offset，通常是 0.8% - 1%。
也就是说，贷款利息 = CPF OA 利息 + offset。
过去几年贷款利息低于 CPF OA，是因为 Sibor 实在太低，而 CPF OA 受最低 2.5% 的下限限制。
也就是说，贷款利息 = CPF OA 利息 + offset。
过去几年贷款利息低于 CPF OA，是因为 Sibor 实在太低，而 CPF OA 受最低 2.5% 的下限限制。
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