选择UOB Repricing Packages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 per (more...)
也收到了UOB的Reprice Package,大家帮我看一下
没有Top，也没过lock-in
OPTION A: FLOATING (2 YEARS PENALTY PERIOD)
Free conversion is applicable only if you are before the date of TOP
(For BUC properties, min $200K Loan outstanding)
Yr 1: 1.70% (ML + 0.85%)
Yr 2: 1.70% (ML + 0.85%)
Thereafter: 1.70% (ML + 0.85%)
ML is UOB MLC RATE is currently at 0.85% per annum
OPTION B: 3 MONTH SIBOR (2 YEARS PENALTY PERIOD)
Free conversion is applicable only if you are before the date of TOP
(For BUC properties, min $200K Loan outstanding)
3 Month SIBOR as at 18 Mar 2020 = 0.99490%
Yr 1: 3 Month SIBOR + 0.63%
Yr 2: 3 Month SIBOR + 0.63%
Thereafter: 3Month SIBOR + 0.63%
Option C:
Reprice Fee: $500
Yr 1: 3 Month SIBOR + 0.50%
Yr 2: 3 Month SIBOR + 0.50%
Thereafter: 3Month SIBOR + 0.50%
Option A,B 不用交Reprice Fee
OPTION A: FLOATING (2 YEARS PENALTY PERIOD)
Free conversion is applicable only if you are before the date of TOP
(For BUC properties, min $200K Loan outstanding)
Yr 1: 1.70% (ML + 0.85%)
Yr 2: 1.70% (ML + 0.85%)
Thereafter: 1.70% (ML + 0.85%)
ML is UOB MLC RATE is currently at 0.85% per annum
OPTION B: 3 MONTH SIBOR (2 YEARS PENALTY PERIOD)
Free conversion is applicable only if you are before the date of TOP
(For BUC properties, min $200K Loan outstanding)
3 Month SIBOR as at 18 Mar 2020 = 0.99490%
Yr 1: 3 Month SIBOR + 0.63%
Yr 2: 3 Month SIBOR + 0.63%
Thereafter: 3Month SIBOR + 0.63%
Option C:
Reprice Fee: $500
Yr 1: 3 Month SIBOR + 0.50%
Yr 2: 3 Month SIBOR + 0.50%
Thereafter: 3Month SIBOR + 0.50%
Option A,B 不用交Reprice Fee
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