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Thread: best fix rate for completed property

  1. #1
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    Default best fix rate for completed property

    Hi,
    What the best fix rate for completed property now ?
    Thanks in advance

  2. #2
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    3yrs fixed not so gd leh....bcoz the spread is 1.25% thereafter.....

    So in the end i refinance the package wif lowest spread throughout as i feel tat int rate may only rise gradually or even stay flat for nxt 3yrs....

  3. #3
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    Quote Originally Posted by marktkt22
    Hi,
    What the best fix rate for completed property now ?
    Thanks in advance
    DBS 2+2
    First 2 years fixed at 1.38% with an option to extend to 4 years.
    If option activated, will be 1.38% for 4 years.

    Better than Citibank 1.80% fixed 5 years.

  4. #4
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    Thanks, that sound good . ...

    Quote Originally Posted by kranjipioneer
    DBS 2+2
    First 2 years fixed at 1.38% with an option to extend to 4 years.
    If option activated, will be 1.38% for 4 years.

    Better than Citibank 1.80% fixed 5 years.

  5. #5
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    How about Standard Chartered fix rates?

  6. #6
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    My preferred bank is scb but dbs rate look really gd....

  7. #7
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    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?

  8. #8
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    Thumbs up

    depending on quantum and LTV..

    BoChina offers 1.22%, 1.33%, 1.45%, 3M SIBOR + 1.1% with LTV 70%, min 500k.

    Citibank offers 1.35% y1-3, 1M/3M SIBOR + 1.15%, min 300k.

    you can try out FindaHomeLoan.sg. My new portal to provide a service to home owners like myself. Comments are appreciated.


  9. #9
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    Quote Originally Posted by kranjipioneer
    DBS 2+2
    First 2 years fixed at 1.38% with an option to extend to 4 years.
    If option activated, will be 1.38% for 4 years.

    Better than Citibank 1.80% fixed 5 years.

    For this DBS fixed rate pkg, u have to buy mortgage insurance. If u do not buy, then it's 1.48% for the 1st 2 years.

  10. #10
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    Thumbs up

    Quote Originally Posted by newbie11
    depending on quantum and LTV..

    BoChina offers 1.22%, 1.33%, 1.45%, 3M SIBOR + 1.1% with LTV 70%, min 500k.

    Citibank offers 1.35% y1-3, 1M/3M SIBOR + 1.15%, min 300k.

    you can try out FindaHomeLoan.sg. My new portal to provide a service to home owners like myself. Comments are appreciated.

    Look quite informative...

  11. #11
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    teddybear is offline Global recession is coming....
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    rate should start to increase beginning of 2014, but won't be much though. On the other hand, property prices will start to increase with rate (ops, CCR only because OCR peak liao since not affected by CMs so far).

    Quote Originally Posted by devilplate
    3yrs fixed not so gd leh....bcoz the spread is 1.25% thereafter.....

    So in the end i refinance the package wif lowest spread throughout as i feel tat int rate may only rise gradually or even stay flat for nxt 3yrs....

  12. #12
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    Quote Originally Posted by land118
    Look quite informative...
    Thank you for kind comments.

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