浮动配套当然是每家银行随时进去都会给你的。大家现在想找的应该是Fix的低息配套吧？稍微查看比较一下就可以看出：一般来说各家银行的固定配套的会比浮动的利息稍微高一点的。
因为浮动配套的相对风险大些银行随时可以宰你的。银行自己把握主动权，当然会首推这种配套给你啦。
如果要拿Fix的配套其利息还低过浮动配套的，没有一点研究和功力好像没有那么容易就拿到的。
比如现在我的配套首年是2.125%，就已经固定了在一年内银行不可以加息，我仍是可以还部分还款。
如今这个年头，要预测一年之内会加息或减息很难，我们所能够做的也就是把风险尽量减低，并控制在自己可以承受的范围里面。我可是尝过浮动配套外资银行半年里面利息就起50%以上的苦头。
所有这些都是我在年初开始就要寻找低息固定配套的原因。
：）
well, i believe what discussed below was referring to variable rates
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.
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.
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