SCB refinancing rates.

[Wolverine23]

SCB offering 2-year fixed rate at

1st year: 1.15%
2nd year: 1.45%

or

1st year: 1% fixed
2nd year: sibor + 1.05%

Good?

[espeyap]

SCB offering 2-year fixed rate at

1st year: 1.15%
2nd year: 1.45%

or

1st year: 1% fixed
2nd year: sibor + 1.05%

Good?

Not so good

[Wolverine23]

Not so good

oh....any recommendations?

[price]

Citi offers quite good rates

[Wolverine23]

Citi offers quite good rates

You mean the Citi 1.35% 3-year fixed rate?

[ay123]

SCB is providing full subsidy of all cost of refinancing provided u stay for 3 yrs

[propertychap]

Looks like the DBS fixed rate package quite attractive at 1.35%?any catch?

[espeyap]

Looks like the DBS fixed rate package quite attractive at 1.35%?any catch?

I just took up new loan with OCBC last month.
Flexi @

0.98%
1.08%
1.38%

[Wolverine23]

I just took up new loan with OCBC last month.
Flexi @

0.98%
1.08%
1.38%

Flexi meaning floating rates? or fixed?

[Wolverine23]

DBS rates:

1st 3 years 0.75% + 3M Sibor with 1 year lock-in

or

1st 3 years 0.85% + 3M Sibor with no lock-in and interest cap of 1.49%

or

0.6%, 0.65%, 0.7% with 3 years lock-in

or

1.38% fixed for 3 years with 3 years lock-in

Which is better?

[sgp_condo]

DBS rates:

1st 3 years 0.75% + 3M Sibor with 1 year lock-in

or

1st 3 years 0.85% + 3M Sibor with no lock-in and interest cap of 1.49%

or

0.6%, 0.65%, 0.7% with 3 years lock-in

or

1.38% fixed for 3 years with 3 years lock-in

Which is better?

I have a 1 time free conversion from SCB. The offer is 0.75+3m sibor for 3yrs. Existing rate is 1.25+3m sibor so will go ahead. Saving of 0.5%.

[newbie11]

SCB changed their spread today.. their tracker package (ie interest offset) is not bad..

[Wolverine23]

SCB changed their spread today.. their tracker package (ie interest offset) is not bad..

whats the new spread???

[sgp_condo]

SCB changed their spread today.. their tracker package (ie interest offset) is not bad..

Really? Today call up to check. Cause they didn't tell about other package.

[newbie11]

Really? Today call up to check. Cause they didn't tell about other package.

You can visit FindaHomeLoan.sg and see the details.

[sgp_condo]

You can visit FindaHomeLoan.sg and see the details.

Got to check if my contract allows to switch.