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--- mywiki:my_loan_compare [2015/11/07 17:52] – [Home Loan Interest] shaoguoh
+++ mywiki:my_loan_compare [2019/09/15 18:55] (current) – external edit 127.0.0.1
@@ Line 1: / Line 1: @@
-====== Comment Terms ======
+Lawyer Mark: Professional cost 2000
+Tentative date to meet: 11AM or 4PM on Nov 16, 2015, or This Friday ?
+{{:mywiki:sims_residences_offer_purchase.pdf|}}
 | Maybank | $644k | 20 years |
 | DBS | $628k | 20 years |
 | UOB | $610k  |20 years |
+| OCBC |  ?  | ? |
+====== Comment Terms ======
 | Term | Description | Notes |
 | SRFR | Singapore Residential Financing Rate | Per bank, for maybank, currently is about 3.75% p.a, \\ revised   by 30 days notice |
@@ Line 15: / Line 20: @@
 ====== Home Loan Interest ======
 ===== Maybank =====
 {{:mywiki:loan_maybank.png|}}
-===== DBS =====
+==== Question ====
+What's the terms and conditions, esp for 2 years refinance ?
+Any difference on refinance if with another banks, not maybank any more ?
+===== DBS =====
 {{:mywiki:dbs_3year.jpg|}}
@@ Line 32: / Line 40: @@
 {{:mywiki:dbs_fhr18_105.jpg|}}
+==== Question ====
+On the 0ct 1, the fixed 2 years is 1.98%, but now seems increased to 2.28% with fixed 3 years ?
+What is MyProtector Mortgage ?
+Commencement Date 3 months from the date of Letter of Offer or first disbursement of the Housing Loan, whichever is earlier  ??
+What does the commitment fee mean ?
+What does the admin fee mean ?
+What does the cancelling fee mean esp for FHR18 + 1.35 without any committed period ?
 ===== UOB =====
 {{:mywiki:uob_home_loan.jpg|}}
+==== Question ====
+Can refinance after lock in ?
+What's the terms and conditions for refinance ?
+Any difference on refinance if with another banks, not maybank any more ?
 ===== OCBC =====
@@ Line 42: / Line 72: @@
 years lock:
-Year 1-3: 36m fdmr + 1.03% = 1.68%
+Year 1-3: FDMR + 1.03% ( 0.65 + 1.03 = 1.68% )
 *FREE conversion to another package if the Fix deposit rate increases*
 *2years lock in. After 2years customers are allowed to fully redeem the loan.
-====== Doubts ======
-===== Maybank =====
-What's the terms and conditions
+==== Question ====
-===== DBS =====
-On the 0ct 1, the fixed 2 years is 1.98%, but now seems increased to 2.28% with fixed 3 years ?
-What is MyProtector Mortgage ?
-Commencement Date 3 months from the date of Letter of Offer or first disbursement of the Housing Loan, whichever is earlier  ??
-What does the commitment fee mean ?
-What does the admin fee mean ?
-What does the cancelling fee mean esp for FHR18 + 1.35 without any committed period ?