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Thread: If you yet to refinance your loan yet...

  1. #31
    Junior

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    wa more and more guru in the forum which is good for us...below quoted looks strongest I think.... but what about those already TOP? the valuation and legal fee? I believe these are the two which we need to pay for refinance right?

    Quote Originally Posted by MoneyGuru View Post
    According to my UOB Banker,
    They just launched a BUC Package that claimed to be strongest in the Market now..

    No Lock In
    1st Year: 1.1%
    2nd Year: 1.22%
    3rd Year: 1.28%
    4th Year: 1.40%
    5th Year Onwards: 1.98%

    With 2 free conversions meaning client can convert to another package once the loan is disbursed and second time will be between the 3months after TOP.

    PM me if this helps.. Will refer you to my banker!

    **Sorry Mortgageguru, I chose my Moneyguru nick without knowing your nick exists! I'm a ppty salesperson, so hope ppl don't confuse us

  2. #32
    Newbie

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    This is indeed a very good rate.
    Anytime there's a revision on their rate, you can switch to other bank too.

  3. #33
    Newbie

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    OCBC quote a BR less disc for a 3 year lock-in

    1) 1.28%
    2) 1.48%
    3) 1.78%

    Average of 1.51%

    Also the reprice fee is reduced from $1K to $400.

    ----

    Would like to check is it possible to negotiate with the bank for better reprice rates and waiver of reprice fee?

  4. #34
    Newbie

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    Quote Originally Posted by wildfaye29 View Post
    OCBC quote a BR less disc for a 3 year lock-in

    1) 1.28%
    2) 1.48%
    3) 1.78%

    Average of 1.51%

    Also the reprice fee is reduced from $1K to $400.

    ----

    Would like to check is it possible to negotiate with the bank for better reprice rates and waiver of reprice fee?
    Take it!
    If they're able to give you fixed rate, will be better!

  5. #35
    Iron Man

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    Quote Originally Posted by MoneyGuru View Post
    According to my UOB Banker,
    They just launched a BUC Package that claimed to be strongest in the Market now..

    No Lock In
    1st Year: 1.1%
    2nd Year: 1.22%
    3rd Year: 1.28%
    4th Year: 1.40%
    5th Year Onwards: 1.98%

    With 2 free conversions meaning client can convert to another package once the loan is disbursed and second time will be between the 3months after TOP.

    PM me if this helps.. Will refer you to my banker!

    **Sorry Mortgageguru, I chose my Moneyguru nick without knowing your nick exists! I'm a ppty salesperson, so hope ppl don't confuse us
    If the loan is 25 years, do you mean 5th yrs to 25th years locked at 1.98%?
    "Anyone who has not made a mistake has never tried anything new"

  6. #36
    Senior

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    reprice and refinance again after 5 years.

  7. #37
    Banned

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    Quote Originally Posted by CondoWE View Post
    If the loan is 25 years, do you mean 5th yrs to 25th years locked at 1.98%?
    No idea, please check with my banker if you like! PM me for his details.thanks!

  8. #38
    Newbie

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    DBS quoted a fixed rate of 1.88% for my reprice! Is this the best rate by DBS now?

  9. #39
    Newbie

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    Need advice from the expert here. My loan is with UOB and link to SOR rate. My loan rate is close to 2%. The good point of my loan is that my deposit can enjoy same rate as my loan up to 75% of the Lian value and currently I ledge deposit up to 75% . Is there any better loan package for my case. Thank you

  10. #40
    Newbie

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    DBS has another package which is FHR (Fixed Deposit Home Rate)

    1st FHR +0.95 =1.35
    2nd FHR +1.05 =1.45
    3rd FHR +1.25 = 1.65

    Current FHR is 0.4%. How often does DBS' FHR change? Is it safe to take this FHR package? Will FHR increase?

    Any help appreciated!

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