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

最近正好要refinance，可以把这个banker的联系方法发给我一下吗？ 多谢。

http://bbs.sgchinese.com/viewthread.php?tid=3176271&extra=&page=1

虽然已是几个月前的了，但仍有很好的参考作用。^___^

之前签的配套是固定利率3年。现在刚第一年。但是发现其他银行好像现在有很多利率很低的配套，所以想换配套。

就想问问，如果第一年付完之后想换成另一家银行的另一个配套，需要付多少赔偿？还有其他都有些什么手续费？

谢谢大家！

违约要交贷款总额的1。5%, 换配套还要交手续费，如果换银行还要再交律师费。七七八八算起来，其实并不划算。除非新的配套利率特别特别低，否则换不换意义不大。呵呵。