我可什么压力也没施，打了个电话说要refinance的资料，就给我发了一份softcopy来了。2.5% variable，lock-in 1 year，手续费全免，一年内不能还清贷款，可以付partial payment，no panalty charge。一年后就可以再refinance了。

打电话去的隔天就拿到了letter of offer，新利率下一个月生效。

问了一下officer他们offer 的配套是不是 base on negotiation skills，他说是go by book 的啦，当时有什么样的配套他们就可以做什么样的offer，不需要讨价还价也不需要施压的。。。

am not convinced by the concept of '浮动配套的相对风险大些银行随时可以宰你的'. Based on my understanding, the rates go according to SIBID but not anyhow defined by the bank. Local bank is always a better choice compared to foreign bank for variable package.

still believe as a consumer the bargaining power is very limited. Not sure how it works for hdb loan but as a corporate banker, only those customers that can bring us million dollars would be considered for preferential pricing.

whether you would be able to get an ideal package is not depending on your barganing skills but controlled by the market situation. should not compare the package you signed up earlier on to the package bankers offering now as the market temperature has changed.