Repricing 求UOB banker

jo_12315 • 5年前 • 19056 次浏览

17年底签的UOB前两年利率1.08+15MFDPR的贷款，从刚开始的1.28%涨到了现在的2.43%。。。

目前现状是：

1. 还剩500k的贷款（下个月自动还款后就不足500k了。。。）

2. 目前人不在新加坡，也没有在交cpf。如需要可提供国内的收入证明。

打听了下refinance去其他银行的话，需要回坡重新做估价和找律师签署相关文件。如果repricing的话，是否可以不回坡呢？有没有UOB的banker，求推荐repricing配套

9 条回复

布丁之家 5年前

#1

我刚做了refinance私信你了
jo_12315 楼主 5年前

#2

谢谢啦！谢谢啦！
功夫熊猫 5年前

#3

repricing 在线做不就好了吗repricing又不需要提供收入证明
jo_12315 楼主 5年前

#4

求在线地址搜了下，相关页面里也是说要联系UOB的人：
https://www.uob.com.sg/personal/borrow/property/mortgage-options/managing-uob-property-loan.page#repricingyourhomeloan
已经在官网留了联系方式，能在线做当然更好啦
黑猪也疯狂 5年前

#5

打热线问客服会有人联系你的
口水 5年前

#6

refinance要办多久?现在的银行11月锁定期结束，想观望10月份的新配套再签，到时来得及在11月换银行吗？
口水 5年前

#7

uob有reprice的好配套吗？现在拿sibor挂钩或固定的比较好吧？
jo_12315 楼主 5年前

#8

我收到了UOB给的两个配套，供参考哈OPTION A: FIXED 3 YEARS (3 YEARS PENALTY PERIOD) – PROMOTION VALID FOR LIMITED PERIOD
(For completed properties with minimum loan balance of $200,000)
Yr 1: 1.98% (Fixed)
Yr 2: 1.98% (Fixed)
Yr 3: 2.08% (Fixed)
Thereafter: 2.08 (ML + 1.23%)
*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 3 years from date of conversion.
Partial Prepayment is subject to 1 month written notice.

Full Redemption Penalty:
Redemption fee waiver if due to sales of property, if not 1.50% on redeemed amount within 3 years from conversion date.
Full redemption is subject to 3 months written notice.
One-time free conversion after 12 months from conversion date with minimum loan balance of $100,000.

OPTION B: FLOATING (2 YEARS PENALTY PERIOD)
(For completed properties with minimum loan balance of $100,000)
Yr 1: 2.00% (ML + 1.15%)
Yr 2: 2.00% (ML + 1.15%)
Thereafter: 2.08% (ML + 1.23%)
*Mortgage Rate (“ML”) is the Bank’s prevailing UOB MLC Rate_PTE which is currently at 0.85% p.a.

Partial Redemption Penalty:
Nil.
If loan outstanding falls below $200,000 after partial repayment within 2 years from conversion date, a penalty of 1.50% on prepaid amount will be imposed.
Partial Prepayment is subject to 1 month written notice.

Full Redemption Penalty:
50% Redemption fee waiver if due to sales of property, if not 1.50% on redeemed amount within 2 years from conversion date.
Full redemption is subject to 3 months written notice.
One-time free conversion after 12 months from conversion date with minimum loan balance of $100,000.
jo_12315 楼主 5年前

#9

再请教下各位大神，UOB的15m FDPR还有可能降吗？如果会降的话，就不打算repricing了，毕竟repricing还要再付800

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