看Terms conditions是要逼我选5年固定了，银行的日子真的难过？2年的 2 years lock-in for partial and full redemption One time free conversion after 2 years lock-in period 三年的 3 years lock-in for partial and full redemption Waiver of commitment fee due to sale within lock-in One time free conversion after 12 months from loan disbursement 五年的 5 years lock-in for full redemption No lock-in for partial redemption Waiver of commitment fee due to sale within lock-in One time free conversion after 12 months from loan disbursement