两年前的OCBC贷款前三年可以做partial repayment，每次最少５千，剩余贷款不能少于５万就可以。三年后就可以随时还清。无论怎样，都没有手续费，罚款之类的。
感觉partial repayment还是很划算，因为你还的钱都是直接减少本金的。假设partial repayment还１万，那么贷款余额就少一万。不像平时的monthly installment，每月还１千，也只有100或200多用到本金上，大部分还是还的利息。
uob有一个一年的配套, 1.98%, 可以partial repayment,只要贷款还多于100k就可以
Promotional Floating (Lock-in 1 Yr)**
1st: 1.98% (HDBMR – 2.52%)
2nd: 2.88% (HDBMR - 1.62%)
3rd: 3.28% (HDBMR – 1.22%)
Thereafter: 3.75% (HDBMR – 0.75%)
Mortgage Rate_010508C = 4.50%
Partial Redemption Penalty
- Nil. If loan outstanding fall below $100K after partial prepayment within 1 yr from conversion date, a penalty of 1.50% on prepaid amount will be imposed
Full Redemption Penalty
- 1.50% on amount redeemed within 1 yrs from conversion date
就是利息有点高了
1st: 1.98% (HDBMR – 2.52%)
2nd: 2.88% (HDBMR - 1.62%)
3rd: 3.28% (HDBMR – 1.22%)
Thereafter: 3.75% (HDBMR – 0.75%)
Mortgage Rate_010508C = 4.50%
Partial Redemption Penalty
- Nil. If loan outstanding fall below $100K after partial prepayment within 1 yr from conversion date, a penalty of 1.50% on prepaid amount will be imposed
Full Redemption Penalty
- 1.50% on amount redeemed within 1 yrs from conversion date
就是利息有点高了
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