而且一年后可以免费换一次配套对吧五年的看起来很稳，之后也不用每两年烦心refinance 了，就是不知道如果五年内卖房的话会不会有罚金？
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
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
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