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新加坡买房如何选对房贷配套 每年节省上万新币

房贷无疑是许多家庭一笔长期的巨大负债，做好风险管理和适时调配，是家庭财务规划的重要一环。如何进行管理？先从几个重要概念入手。

什么是房贷再融资Refinancing?

简而言之，就是为了寻求更好的房贷配套，把房屋贷款从银行A换到银行B的过程。一般建议每2-3年review一次房贷状况。

固定利率 🆚 浮动利率

💫固定配套顾名思义，利率可以在锁定期内固定不变，一般为期2年或3年。好处是它提供了锁定期内的稳定性，可是万一利率走低，贷款人就有被较高利率锁定的风险。

💫浮动利率意味着贷款的利率会定期调整，当利率发生变化时，您的每月分期付款金额可能会发生变化。

浮动利率的几个关键值：SIBOR /  SORA /  FDR

▪️SIBOR是指新元银行间同业拆息率。正在逐步被市场淘汰，逐渐淡出。

▪️SORA是以本地无担保隔夜银行间的实际借贷成本计算，透明度高。是现在市场上的主流。

▪️FDR指这笔贷款与贷方银行的定期存款利率挂钩，并带有银行利差。 该利率可由贷方自行决定更改。该种类型对市场比变化的反应较前面两种更慢，最大的缺点是不透明‼️

 

固定利率和浮动利率孰好孰坏并无定论，主要有这几大因素需在选择时考量：

1. 自己对稳定性的偏好有多高？

2. 接下来几年是否考虑提前还贷？

3. 接下来几年是否有卖出房产的计划？

4. 接下来几年自己的收入情况能否应对浮动利率带来的还款额变化？

 

选择房贷配套还需考虑的其它因素：

每次进行再融资时，会产生一些成本开支，如律师费legal fee、房产估价费等，金额在几百新币-几千新币不等，有些银行会提供一笔津贴给客户，用于cover这笔费用。如果没有掌握好谈判技巧，你可能会错失这笔津贴。

新加坡16间银行实时房贷利率配套对比，如何避坑？房贷谈判中如何能获得优势？欢迎约☕️，免费为大家提供房贷配套解决方案👩🏻‍💻

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 independent 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:

战媛媛 Zhan Yuanyuan Louisa

2019年移民新加坡，和家人定居于此。

作为新一批的华人移民，深感新加坡大环境已与多年前大不相同。自踏入金融保险业后大多服务中国新移民群体，相同的文化背景和社会处境，让我更能设身处的理解客户需求。

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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.

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