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Thread: DBS FHR vs OCBC FDMR (Comparison)

  1. #31
    Join Date
    Sep 2014
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    299

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    Actually besides fixed rates, I'll only recommend loans that are pegged to FD rates. UOB doesn't offers that.
    In any case, it's better to know what's your intention in the future in order to assess better as different people has different situation and different needs.
    Some just want a peace of mind for the next couple of years while others want equity in hands etc. Many scenarios can happen, so it's basically up to your needs.

  2. #32
    Join Date
    Mar 2008
    Posts
    353

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    Just got my letter that my DBS FHR loan has increased from 1.5% to 1.75%....sigh

  3. #33
    Join Date
    Feb 2009
    Posts
    5,837

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    Quote Originally Posted by spikey69 View Post
    Just got my letter that my DBS FHR loan has increased from 1.5% to 1.75%....sigh
    what does FHR stands for ?

  4. #34
    Join Date
    Nov 2011
    Posts
    789

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    Why it increase? Sudden increase?

  5. #35
    Join Date
    Apr 2015
    Posts
    45

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    DBS wan earn $$$ lo…
    Since FHR loan past 2yrs piled up.
    Time to milk the cow…

    lol

  6. #36
    Join Date
    Sep 2014
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    299

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    Quote Originally Posted by spikey69 View Post
    Just got my letter that my DBS FHR loan has increased from 1.5% to 1.75%....sigh
    Isn't it supposed to be quite some time ago when dbs raise it?

  7. #37
    Join Date
    Jan 2011
    Posts
    1,081

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    Quote Originally Posted by MortgageGuru View Post
    Actually besides fixed rates, I'll only recommend loans that are pegged to FD rates. UOB doesn't offers that.
    In any case, it's better to know what's your intention in the future in order to assess better as different people has different situation and different needs.
    Some just want a peace of mind for the next couple of years while others want equity in hands etc. Many scenarios can happen, so it's basically up to your needs.

    Hi Mortgage Guru,

    My friend HDB loan (less than 180k) is with Maybank. Because of the TDSR, he cannot reprice or
    refinance. He got to pay 4% interest or do a lump sum payment to his HDB loan. He got the cash
    to pay up but prefer to have a fixed mortgage loan <2%. He is self employed .Do U have any
    recommend for him so that I can ask him to approach U ? no private ppty.

    ------------------------------------------------------------------------------------------------------------
    I took a mortgage loan ( 3 mth sibor) with Std chart in early 2011.

    private ppty
    1st year 0.65 + 3 mth sibor
    2nd year 0.65...
    3rd year 0.85...
    4th year 0.85..
    There after 0.9% + 3 mth sibor.

    *** 2/3 of my deposits enjoy the same interest rate as my mortgage loan. Whilst the
    remaining 1/3 deposit s will enjoy a competitive interest rate.

    The actual loan interest payment is on Nov 2013. (40% progressive payment) Now my interest
    rate is 1.92% start from Jan16. I believe it will go up in Apr 16 as 3 mths sibor rate has gone
    up also. I would like to refinance to fixed rate but I may fail my TDSR . I still can pay up the full
    amt but I want to use the cash to invest in safe Fixed income for better return >3%.


    Just last week, I receive a SMS from a unknown loan specialist . They offer 1.65% but
    I delete off as I don't trust anything from SMS. Do U have any advise ?


    FYI, I do have a HDB mortgage loan ($210k) with Maybank.
    1st year 1.55% (started in 2014)
    2nd year 1.75% (now should be 2% as the SRFR has changed from 3.75% to 4%)
    3rd year 1.85%

    rdgs,
    Vic

  8. #38
    Join Date
    Sep 2014
    Posts
    299

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    DBS latest fhr package at 1.2% + fhr18 THROUGHOUT!
    THROUGHOUT! Don't miss it!
    FHR currently at 0.6%.
    Best package in the market now!

  9. #39
    Join Date
    Oct 2012
    Posts
    240

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    DBS just reduce my sibor rate from 1.7 to 1.5

  10. #40
    Join Date
    Sep 2014
    Posts
    299

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    Quote Originally Posted by DMCK View Post
    DBS just reduce my sibor rate from 1.7 to 1.5
    Is it based on 3 month sibor?
    Lucky you if yes! Get to enjoy 3 months of low interest as sibor dipping a little for the past week.

  11. #41
    Join Date
    May 2012
    Posts
    4,035

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    How will zero appreciation affect (if any) interest rates?
    The three laws of Kelonguni:

    Where there is kelong, there is guni.
    No kelong no guni.
    More kelong = more guni.

  12. #42
    Join Date
    Dec 2008
    Posts
    88

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    Now SCB also got FDR package??

  13. #43
    Join Date
    Dec 2008
    Posts
    88

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    I heard its FDR 0.5 +1.15

    FDR is based on 48mths

  14. #44
    Join Date
    Aug 2009
    Posts
    2,988

    Default

    this is getting weird.
    nobody places a FD for 48mths.
    that would mean SCB can raise a little used rate easily in future.

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