不过不知道是不是最新的了，如果需要联系方式 可以私信我

HSBC - Floating Rates - 1 Month Sibor as of 9th July is 0.25% - 2 years Lock In
Year 1: 1M SIBOR + 1.05% = 1.30%
Year 2: 1M SIBOR + 1.05% = 1.30%
Year 3: 1M SIBOR + 1.05% = 1.30%
Thereafter: 1M SIBOR + 1.05% = 1.30%

30% partial repayment allowed
One time free conversion to any other packages anytime

Refinancing Legal Subsidy - Below 500K: $1,000 Cash Rebate

UOB - Floating Rates - 3M SIBOR as of 9th July is 0.43% - 2 years Lock In
Year 1 : 3M SIBOR + 1% = 1.43%
Year 2 : 3M SIBOR + 1% = 1.43%
Year 3 : 3M SIBOR + 1% = 1.43%
Thereafter : 3M SIBOR + 1% = 1.43%

Free conversion after 2 year lock in to any other packages.

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

UOB - Fixed Rates 2 year lock in
1st year - 1.40% fixed
2nd year - 1.40% fixed
3rd year and thereafter - ML Board Rate (0.85%) + 0.95% = 1.80%

Free conversion after 2 year lock in to any other packages.
50% Waiver of penalty due to sale of property.
Up to 10% partial repayment allowed per year

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

UOB - Fixed Rates 3 year lock in
1st year - 1.68% fixed
2nd year - 1.68% fixed
3rd year - 1.68% fixed
4th year and thereafter - ML Board Rate (0.85%) + 1.03% = 1.98%

Free conversion after 2 years lock in to any other packages.
Waiver of penalty due to sale of property.
Up to 10% partial repayment allowed per year

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

Maybank - Floating Rates - 3M SIBOR as of 9th July is 0.43% - 1 year Lock In
Year 1 : 3M SIBOR + 0.85% = 1.28%
Year 2 : 3M SIBOR + 0.85% = 1.28%
Year 3 : 3M SIBOR + 1.25% = 1.68%
Thereafter : 3M SIBOR + 1.25% = 1.68%

Refinancing Legal Subsidy - HDB Below 500K - 0.40% of the Loan Amount - Cash Rebate

MayBank - Fixed Rates - 2 years Lock In
Year 1 - 1.50% Fixed
Year 2 - 1.50% Fixed
Thereafter - SRFR2 Board Rates (4.85%) - 2.10% = 2.75%

Refinancing Legal Subsidy - HDB Below 500K - 0.40% of the Loan Amount - Cash Rebate


DBS - Fixed Rates 2 years lock in
Year 1: 1.50% fixed
Year 2: 1.50% fixed
Thereafter: FHR24 - Fixed Deposit Link Rates (0.90%) + 0.90%= 1.80%

Free conversion after 2 years lock in to any other packages.
Waiver of penalty due to sale of property

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

DBS - Fixed Rates 3 years lock in
Year 1: 1.50% fixed
Year 2: 1.50% fixed
Year 3: 1.50% fixed
Thereafter: FHR24 - Fixed Deposit Link Rates (0.90%) + 0.90%= 1.80%

Free conversion after 1 year lock in to any other packages.
Waiver of penalty due to sale of property

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

DBS - Fixed Rates - 5 year lock in
Year 1: 1.50% fixed
Year 2: 1.50% fixed
Year 3: 1.50% fixed
Year 4: 1.50% fixed
Year 5: 1.50% fixed
Thereafter: FHR24 - Fixed Deposit Link Rates (0.90%) + 0.90%= 1.80%

Free conversion after 1 year lock in to any other packages.
Waiver of penalty due to sale of property
Partial repayment allowed up to 90% of the loan

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

Cost Involved
Legal Fees $1,500 Nett (Can pay by CPF Ordinary Account or Cash)
Valuation fees $250 estimate (UOB Valuation Fee at $160)

Rebates
$1,000 cash rebate from HSBC
$900 legal subsidy from UOB
$900 cash rebates from Maybank
$900 cash rebate from DBS

主要就是贷款太少。浮动利率未来不知道，所以比较固定利率比较合理。一般在3年内还款，律师费补贴要赔，贷款锁定期内还款也要赔。也就是说一般你要锁3年，利息扣除成本大概省4千，但是你肯定3年内不会卖房子吗？

果然还是网上来问最好，感谢大神
我没有从卖房子来考虑，这是最点醒我了

太误导人了。HDB可以跟银行贷款从0304年就开始了，如果听他的一年几千十几年小十万块的利息白白浪费了找谁说理去？

感谢了

一直对钱稀里糊涂，典型的我不理财财更不理我(￣▽￣)

一般什么情况下才会选择HDB loan啊？
求科普一下和bank loan除了利率、贷款额度年限和提前还款方式以外，还有什么不同啊？
最近纠结要不要拿HDB的loan来付首付，但是利率太高了。。
谢谢～

把贷款还清了买第二套

最差的情况你自己睡厅里 房租租出去难道租不到一千？

低利率时，选固定利率
高利率时，选浮动利率

商业地产啥利率？多谢！

估计不行吧，这个利率好像只适合住房贷款的
我毕竟不是专业的，找个银行的Banker问问吧.

1.5是五年的固定吧，低的还有1.4%