各位大神，就目前的市场状态，贷款到底是选固定利率还是浮动利率比较好呢？
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该帖荣获当日十大第9，奖励楼主2分以及3华新币，时间：2018-07-19 22:00:05。

Package A: 2 years fixed rate 2 years lock in
Year 1: 1.95% (fixed)
Year 2: 1.95% (fixed)
Thereafter: 1.95% (MR + 1.10%)

. 2 years fixed rate
. 2 years lock in
. No partial and full redemption with in the 2 year
. Free one time conversion after lock in period
. Waiver of full redemption penalty if due to sale of property

Package B: 3 years fixed rate 3 years lock in
Year 1: 2.08% (fixed)
Year 2: 2.08% (fixed)
Year 3: 2.08% (fixed)
Thereafter: 1mth SIBOR + 0.65%

. 3 years fixed rate
. 3 years lock in
. No partial and full redemption within the 3 years
. Free one time conversion after lock in period
. Waiver of full redemption penalty if due to sale of property

Package C: 2 years lock in
Year 1: 1.65% (MR + 0.80%)
Thereafter: 1.65% (MR + 0.80%)

. Base on Bank Mortgage Rate (MR) which is currently 0.85%
. 2 years lock in
. Flexibility to do partial payment during lock in period as long as loan outstanding is more than $200k
. Free one time conversion should Mortgage Rate increase during lock in period
. Waiver of full redemption penalty if due to sale of property

*Rates quoted are indicative
*Rates are subjected to changes without prior notices.
*Rates will only be confirmed upon issuance of Letter of offer

请问这几个配套哪个比较好呢？

谢谢大家帮助参考，最后选了OCBC的MRP，可以免费换别的套餐，如果利率涨了。不过我觉得都是羊毛出在羊身上的…

说是根据银行内部数据自己调整的，她说这个汇率是最新的