今天拿到UOB发来的repricing packages，请问广大的华新er选哪个配套比较合适呢？


Option A : Fixed Rate Package with 2 Years Lock-in Period - 1X free conversion (Min $100k) after 12M from conversion effective date
(For completed residential properties only with a minimum loan amount of S$100,000)
Year 1 : 1.70% Fixed
Year 2 : 1.70% Fixed
Year 3 & Thereafter : 1.70% (ML+0.85%)
*Mortgage Rate (“ML”) is the Bank’s prevailing UOB MLC Rate_PTE which is currently at 0.85% p.a.

Partial Redemption Penalty - 1 X penalty fee waiver per year for Capital partial prepayment up to 10% of conversion loan amount within the lock in period
*1.50% on prepaid amount within lock-in period from conversion date.
*Partial Repayment is subjected to 1 month written notice.
*No partial repayment is allowed when the outstanding loan tenor is below 5 years.

Full Redemption Penalty - Waiver of full loan redemption fee due to sales of property within lock in period
*1.50% on redeemed amount within lock-in period from conversion date.
*Full redemption is subjected to 3 months written notice.

Option B: Fixed Rate Package with 3 Years Lock-in Period - 1X free conversion (Min $100k) after 24M from conversion effective date
(For completed residential properties only with a minimum loan amount of S$300,000)
Year 1 : 1.78% Fixed
Year 2 : 1.78% Fixed
Year 3 : 1.78% Fixed
Year 4 & Thereafter : 1.78% (ML + 0.93%)
*Mortgage Rate (“ML”) is the Bank’s prevailing UOB MLC Rate_PTE which is currently at 0.85% p.a.

Partial Redemption Penalty: - 1 X penalty fee waiver per year for Capital partial prepayment up to 10% of conversion loan amount within the lock in period
1.50% on prepaid amount within 3 years from date of conversion.
Partial Prepayment is subject to 1 month written notice.

Full Redemption Penalty: - Waiver of full loan redemption fee within lock in period if due to sales of property
1.50% on redeemed amount within 3 years from date of conversion.
Full redemption is subject to 3 months written notice.

Option C: Fixed Rate Package with 5 Years Lock-in Period
(For completed residential properties only with a minimum loan amount of S$100,000)
Year 1 : 1.80% Fixed
Year 2 : 1.80% Fixed
Year 3 : 1.80% Fixed
Year 4 : 1.80% Fixed
Year 5 : 1.80% Fixed
Year 6 & Thereafter : 2.00% (ML + 1.15%)
*Mortgage Rate (“ML”) is the Bank’s prevailing UOB MLC Rate_PTE which is currently at 0.85% p.a.

Partial Redemption Penalty:
1.50% on prepaid amount within 3 years from date of conversion.
Partial Prepayment is subject to 1 month written notice.

Full Redemption Penalty: - Waiver of full loan redemption fee due to sales of property within the 5 years lock in period
1.50% on redeemed amount within 3 years from date of conversion.
Full redemption is subject to 3 months written notice.

是不是现在选择option D比较合适呢？


Option D : Floating Rate Package with 2 Years Lock-in Period – Free conversion if Bank’s mortgage rate increase within the lock in period
(For completed residential properties only with a minimum loan amount of S$100,000)
Year 1 : 1.60% (ML + 0.75%)
Year 2 : 1.60% (ML + 0.75%)
Year 3 & Thereafter : 1.60% (ML + 0.75%)
*Mortgage Rate (“ML”) is the Bank’s prevailing UOB MLC Rate_PTE which is currently at 0.85% p.a.

Partial Redemption Penalty
*If loan outstanding fall below $200,000 after partial prepayment within lock-in period from conversion date, a penalty of 1.50% on prepaid amount will be imposed.
*Partial Repayment is subjected to 1 month written notice.
*No partial repayment is allowed when the outstanding loan tenor is below 5 years.

Full Redemption Penalty
*1.50% on redeemed amount within lock-in period from conversion date.
*Full redemption is subjected to 3 months written notice.