搞不清OCBC HDB LOAN

ranger

我贷了OCBC HDB LOAN浮动利息，才半年多一点，利息长了好几次，这个倒没什么，关键是我的贷款是基于HDB BOARD RATE,我搞不清为什么同一个银行的HDB BOARD RATE不一样，我的HDB BOARD RATE一直在长，而新的贷款HDB BOARD RATE却不变，打电话过去服务员说条款不一样，但条款不一样可以改别的地方啊，比如HDB BOARD RATE - 1。这让我觉得有点上当，一旦签了合同HDB BOARD RATE就可以随心所欲的调动了。有清楚的能不能给个解释

michael8330

<p>is yr lock in period over?(2 year)</p><p>if yes, u can either :-</p><p>1. change to&nbsp;one local bank&nbsp;, now their rate no bad, fied 3% for 3 year, or</p><p>2. talk to yr banker tell them u want to refinance to other bank which give u a better rate they will try to match the offer and lock u for another 3 year. and if u save 1% (interest)&nbsp;per month&nbsp; , for every 200k loan , it a saving of $200 per month $7200 for 36 month , after pay the conversation fee of $500/- is is still worth it.</p>

[此贴子已经被作者于2006-8-23 11:22:37编辑过]

banyan9

Which local bank has 3% for 3-year fixed rate nowadays?<br/>

学而不思

<p>这段时间利息涨几乎是全球性的，每个银行都是如此，没什么好抱怨的。</p><p>不同时间贷款，条件当然不一样，跟投资是一样的道理。</p>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>banyan9</i>在2006-8-24 15:44:00的发言：</b><br/>Which local bank has 3% for 3-year fixed rate nowadays?<br/></div><p></p>PM me and i let u know, cause i am not sure does it offend the MAS/bank/forum rule to give such&nbsp;information here.&nbsp;

ranger

<p>我抱怨的不是利息老在长，市场利息在长，我当然没话说。</p><p>我是抱怨OCBC的HDB BOARD RATE,这里面有一个圈套。</p><p>因为OCBC的HDB BOARD RATE是OCBC自己定的，对新客户他们把HDB BOARD RATE丁的低低的，所以签约的时候你觉得他们的利率很有吸引力，等定期一过，他们就随意调整HDB BOARD RATE,榨干客户的血汗钱。</p><p>如果HDB BOARD RATE一样，当他们调高时，他们就吸引不到客户了。</p>