请看看这个房贷怎么样？谢谢Interest Rates Year 1 1.28% Fixed Year 2 1.68% Fixed Year 3 1.98% Fixed Year 4 3M Sibor + 1.25% Year 5 3M Sibor + 1.25% Thereafter 3M Sibor + 1.25% Prepayment Penalty 1.50% on the amount prepaid Commitment Period 3 years from the date of first disbursement of the Housing Loan Commitment Fee 1.20% on the outstanding loan amount Cancellation Fee 1.20% on the original loan amount cancelled or undisbursed by the end of the availability period Administrative Fee 0.30% on the original loan amount if the loan is fully redeemed within the commitment period or cancelled Legal subsidy 0.40% of aggregated loan amount up to $2,500 (whichever is lower) Clawback Period for Legal Subsidy To be refunded if loan is redeemed within 3 years Other Benefits Free fire insurance with home contents cover for the 1st year HDB： Valuation fee will be borne by the Bank for cases where the Bank calls for the valuation report