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Hi,

I would be most glad to assist you further and please feel free to let me know if you need any assistance. Have a good day ahead. By the way, perhaps I could refer a mortgage broker to you?

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Good morning Sir/ Mdm,

your property is a BUC or completed property?

Still in lock in period?

Property owner only can take variable rates for BUC property while either variable or fixed for completed property.

I think its depends on individual, i took fixed for my completed. Perhaps I can ask my banker to share more with you so you will be able to make a sound decision.

Hope my sharing helps in aiding in your enquiry. May I know how can I value add further in your property needs?

Best regards,

YT Tan
Property Kaki
You dream. I create. We make it happen!
Association of Chartered Certified Accountants Graduate
Singapore Accredited Mortgage Planner

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Dear sir/madam,

Do you have long term plan to keep this property or do you plan to liquidate the property within the next 1-2 years? Locking in a fixed rate will definitely give you better peace of mind in the next 2-3 years depending on the package you get, while keeping it on floating rates will probably allow you to enjoy slightly better rates but with less predictability. Without a lock in home loan period, you will then be able to sell off the property, otherwise a penalty will be incurred for selling off a property where home loan is still under lock in period. If you are a priority banking customer, you may try negotiate with your bank for better terms and see what the outcome is.

Warmest regards,
Geryl Lim
Associate Deputy Group Director
Salesperson Registration No. R014783H
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
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