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在新加坡想趁低利率重估房貸？先看這幾個重點

最近本地利率一直在跌。三个月 SORA，已经从去年初的 3.02%，一路跌到今年 2月13日的 1.14%。 现在有些银行推出的 浮动房贷利率，已经比固定利率还低了。所以很多屋主现在都在想一件事：“我的房贷，是不是该重估了？”

现在市场上，最低的浮动利率大概从 1.11% 起跳，固定利率大概是 1.38%。如果你是前两年在高利率的时候拿房贷的人，那你现在有机会省下一笔。所以现在很多人就在考虑，要不要换房贷配套。 通常有两个做法：

1. 重新定价

与原有银行重新协商新的利率和条款，并签订新合约。重新定价不需要重新找律师和估价师，流程较简单，但银行通常会收取一笔行政费，金额可能从 $500 起。缺点是，原银行给出的条件未必是市场上最好的。

此外，重新定价通常也有门槛要求。一般要求贷款余额不少于 10万元，剩余贷款期限至少 5年，并且必须在接近锁定期结束前的特定时间内提出申请。

 

2. 再融资

把现有房贷转到另一家银行，争取更优惠的配套。好处就是可以货比三家，找到更低利率的方案。比如有个案例，原本房贷利率是 2.9%，后来成功转去新的配套1.45%。如果贷款余额还有 100万，一年大概可以省下 SGD 8,820块利息。

房贷通常设有 1年至5年不等的锁定期。若借款人在锁定期内提前转换，不论是重新定价还是再融资。再融资的成本会更高一些，除了可能面对罚金，还涉及 律师费、估价费，以及归还银行之前提供的各种津贴，例如行政费补贴、估价费补贴等，整体额外费用通常> $2000。整个过程通常需时 两到三个月，也较繁琐。

 

利率跌了，要不要提前還貸？

如果你快退休，想減輕債務壓力，提前還貸可以考慮。 但前提是，你要先有足夠的應急金，至少能 cover 3 到 6 個月生活費。如果你手上有多餘現金，短期內也沒有教育、投資或其他大筆開支需求，同時又找不到更適合的用途，那提前還貸是合理的。但對年輕家庭來說，資金靈活性通常比提早還貸更重要。因為錢一旦放進房子，就比較難拿出來用。另外，提前還款前也一定要先問銀行，有沒有提前還款罰金。 如果罰金太高，可能省不到利息，反而不划算。

從投資角度看，目前房貸利率大約 1.5%。 如果你有其他回報更高、風險又能接受的投資方式，那拿這筆錢去投資，可能比提前還貸更有效率。還有一點，如果房貸利率低於或接近 2.5%，而 CPF OA 仍有 2.5% 利息，那在現金流穩定的情況下，用現金供房、把 CPF 留著收利息，通常會更划算。

房贷优化，重点从来不只是省了多少利息，更多是看你的现金流、资金灵活性，还有风险承受能力，能不能一起兼顾。想了解适合你自己的方案，欢迎通过 WhatsApp 联系我。

微信号：a19842182457 或 WhatsApp：+65 9465 3813

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的優質理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策