是不是现在选择option D比较合适呢？


Option D : Floating Rate Package with 2 Years Lock-in Period – Free conversion if Bank’s mortgage rate increase within the lock in period
(For completed residential properties only with a minimum loan amount of S$100,000)
Year 1 : 1.60% (ML + 0.75%)
Year 2 : 1.60% (ML + 0.75%)
Year 3 & Thereafter : 1.60% (ML + 0.75%)
*Mortgage Rate (“ML”) is the Bank’s prevailing UOB MLC Rate_PTE which is currently at 0.85% p.a.

Partial Redemption Penalty
*If loan outstanding fall below $200,000 after partial prepayment within lock-in period from conversion date, a penalty of 1.50% on prepaid amount will be imposed.
*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
*1.50% on redeemed amount within lock-in period from conversion date.
*Full redemption is subjected to 3 months written notice.