Choosing the loan, Which should i choose??
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 Jul 24 2015, 05:26 PM, updated 11y ago
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#1
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Junior Member
41 posts Joined: Jul 2010  
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Hi guys,
I'm having dilemma to choose banks loan offer. bank a. BR 3.8% , spread 0.6% = 4.4% bank b. BR 4.0% , spread 0.5% = 4.5% Disregard of the convenience and facility of the bank, which will you choose? |
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Jul 30 2015, 03:37 PM
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#2
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Senior Member
1,752 posts Joined: Jun 2010
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Bank A.
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Jul 30 2015, 11:47 PM
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#3
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Junior Member
52 posts Joined: Dec 2011
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QUOTE(Alvinyeo @ Jul 30 2015, 03:37 PM) Bank A. what if  BANK A BR 3.2% + 1.25% spread = 4.45% BANK B BR 2.9% + 1.55% spread = 4.45% From consumer point of view, which one is better? and why? |
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Jul 31 2015, 03:35 PM
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#4
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Junior Member
41 posts Joined: Jul 2010
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QUOTE(Neo Light @ Jul 30 2015, 11:47 PM) what if well, eventually i choose my option Bank ABANK A BR 3.2% + 1.25% spread = 4.45% BANK B BR 2.9% + 1.55% spread = 4.45% From consumer point of view, which one is better? and why? @Neo Light, if i'm you i will choose lower spread Bank A, cause spread is fixed, at least it is lower and it is something you sure it wont change in future. |
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Aug 1 2015, 11:59 PM
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#5
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Senior Member
1,752 posts Joined: Jun 2010
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QUOTE(Neo Light @ Jul 30 2015, 11:47 PM) what if Sometime we tend to think too much. I would just choose the lowest current rate.BANK A BR 3.2% + 1.25% spread = 4.45% BANK B BR 2.9% + 1.55% spread = 4.45% From consumer point of view, which one is better? and why? |
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