信贷周期没有收缩很多快的 加息挡不住Xmlz
要多久，利息才会降回去呢？
房贷固定利率2.5啦
不会啊HDB利率涨的话OA的利率也要涨。。。
对嘛
一起涨嘛
跟银行贷款的人，银行利率上涨并没有比跟HDB贷款的人更吃亏啊。首先大家的OA利息都一起涨，其次银行贷款的一直比跟HDB贷款的低，等涨到2.6后，HDB贷款也会涨。
总体来讲，跟银行贷款肯定比跟HDB贷款最后交的利息少。跟HDB贷款的主要优势是方便吧，像refinance top up 啥时候一笔还清都没有额外费用。
跟银行贷款的人，银行利率上涨并没有比跟HDB贷款的人更吃亏啊。首先大家的OA利息都一起涨，其次银行贷款的一直比跟HDB贷款的低，等涨到2.6后，HDB贷款也会涨。
总体来讲，跟银行贷款肯定比跟HDB贷款最后交的利息少。跟HDB贷款的主要优势是方便吧，像refinance top up 啥时候一笔还清都没有额外费用。
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对嘛一起涨嘛
跟银行贷款的人，银行利率上涨并没有比跟HDB贷款的人更吃亏啊。首先大家的OA利息都一起涨，其次银行贷款的一直比跟HDB贷款的低，等涨到2.6后，HDB贷款也会涨。
总体来讲，跟银行贷款肯定比跟HDB贷款最后交的利息少。跟HDB贷款的主要优势是方便吧，像refinance top up 啥时候一笔还清都没有额外费用。
你的情况只适用用2003年以前
目前hdb房贷只和CPA OA 挂钩
The HDB concessionary interest rate is pegged at 0.1% above the prevailing CPF Ordinary Account interest rate. It is reviewed quarterly, in line with the CPF interest rate revisions.
The HDB concessionary interest rate is pegged at 0.1% above the prevailing CPF Ordinary Account interest rate. It is reviewed quarterly, in line with the CPF interest rate revisions.
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你的情况只适用用2003年以前目前hdb房贷只和CPA OA 挂钩
The HDB concessionary interest rate is pegged at 0.1% above the prevailing CPF Ordinary Account interest rate. It is reviewed quarterly, in line with the CPF interest rate revisions.
ARM 已经2003年就没了
he computation of the Adjustable Rate Mortgage (ARM) Index is as follows:
Average of the non-promotional HDB housing loan rates of the 3 local banks, namely DBS (POSB), OCBC, and UOB.
Note: The monthly interest rate is subject to the floor rate of the HDB concessionary interest rate.
The current HDB market interest rate is 3.16% p.a. The rate is reviewed on the 15th day of each month, and any revision will take place on the 1st of the second month that follows.
For example, if the ARM index changes, resulting in a corresponding change in the HDB market interest rate on 15 January, the new rate will take effect for payments due on 1 March
Average of the non-promotional HDB housing loan rates of the 3 local banks, namely DBS (POSB), OCBC, and UOB.
Note: The monthly interest rate is subject to the floor rate of the HDB concessionary interest rate.
The current HDB market interest rate is 3.16% p.a. The rate is reviewed on the 15th day of each month, and any revision will take place on the 1st of the second month that follows.
For example, if the ARM index changes, resulting in a corresponding change in the HDB market interest rate on 15 January, the new rate will take effect for payments due on 1 March
[本文发送自华新手机Wap版]
你的情况只适用用2003年以前目前hdb房贷只和CPA OA 挂钩
The HDB concessionary interest rate is pegged at 0.1% above the prevailing CPF Ordinary Account interest rate. It is reviewed quarterly, in line with the CPF interest rate revisions.
哦
酱紫哦
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对嘛一起涨嘛
跟银行贷款的人，银行利率上涨并没有比跟HDB贷款的人更吃亏啊。首先大家的OA利息都一起涨，其次银行贷款的一直比跟HDB贷款的低，等涨到2.6后，HDB贷款也会涨。
总体来讲，跟银行贷款肯定比跟HDB贷款最后交的利息少。跟HDB贷款的主要优势是方便吧，像refinance top up 啥时候一笔还清都没有额外费用。
不会完全同步
buffer不一样
银行的margin是1.x~2.x%的利差，
CPF是0.1%的利差，
而且利息的参考标准也不一样。
银行的margin是1.x~2.x%的利差，
CPF是0.1%的利差，
而且利息的参考标准也不一样。
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2年啊，不会吧，两年之后还不跌？
不到两年了啊
fix一年多那2020年需要refianance
美联储号称要加到2020，这不正高位了么
所以到时候得签floating的？
美联储号称要加到2020，这不正高位了么
所以到时候得签floating的？
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不到两年了啊fix一年多那2020年需要refianance
美联储号称要加到2020，这不正高位了么
所以到时候得签floating的？
我觉得到时实在不行可以卖房子了
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今年7月的时候贷款，中国银行，固定两年
1.75%，估计现在没有这么低的了
对呀maybank的，1.48，1.58，1.68三年，结果这才一年已经是2.x了，那个x我也不记得是多少了，唉
fix为什么还会涨啊？
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