Sep 20 2023, 10:35 PM
QUOTE(blackie19 @ Sep 20 2023, 09:32 PM)
SCB called me, apparently for their offer of 3.8/3.9% you would need to foot the bill for all costs, i.e legal fee et al.
If the bank were to absorb the fee to make it total zero moving cost, the interest rate would be 4.2%.
May I know for your case, was it total zero moving cost for you when you moved to SCB?
I also get the same offer, my current loan interest at 4.5%. So choosing either 1 also benefitted.If the bank were to absorb the fee to make it total zero moving cost, the interest rate would be 4.2%.
May I know for your case, was it total zero moving cost for you when you moved to SCB?
Now is whether choose lower interest rate without zero moving cost or choose higher interest with zero moving cost….. I do some rough calculation, if we choose to serve the loan more than 10years, then should choose lower interest, if we do more principal prepayment and might settle the loan within 10 years, then should choose zero moving cost.
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