就是楼主说的情况，三年fix和两年fix之间选了三年的，2年后可以换一次配套。

两年和三年fixed，前两年都是1.8，第三年2.02。两年后都可以免费改一次配套。卖房子可以waive penalty。3年fixed还多一个每年可以partial redemption 10%本金的福利。

每年可以提前还10%本金。

我找回我老婆之前的banker都不给办，就打hotline等他们打回就好了。

Option B : 3 Year Fixed Rate Package with 3 Years Lock-in Period
(For completed residential properties only with a minimum loan amount of S$200,000)
Year 1 : 1.80% Fixed
Year 2 : 1.80% Fixed
Year 3 : 2.02% Fixed
Year 4 & Thereafter 2.02% (ML + 1.17%)
*Mortgage Rate (“ML”) is the Bank’s prevailing UOB MLC Rate_PTE which is currently at 0.85% p.a.

Partial Redemption Penalty
*1.50% on prepaid amount within lock-in period from conversion date.
*Partial Repayment is subjected to 1 month written notice.
*No partial repayment is allowed when the outstanding loan tenor is below 5 years.

Full Redemption Penalty
*Redemption fee waiver if due to sales of property if not 1.5% on redeemed amount within lock-in period from conversion date
*Full redemption is subjected to 3 months written notice.

Additional features
* One time free Conversion after 24 months, (min. loan outstanding $100K), subject to available packages applicable for free conversion
*One time Penalty Waiver per year for capital prepayment 10% maximum of the converted loan amount within prepayment period.