<![CDATA[SIBOR borrower- it's high time to manage your loan!]]>

MyPillow\" post_id=\"2071832\" time=\"1656251086\" user_id=\"70594:

If that high, can consider to pay off lump sum before re- price or re financing?
Yes, you can do that with the extra cash on hand. Esp if you think interest rate will continue to climb.

]]>https://forum.kiasuparents.com/topic/82292/sibor-borrower-it-s-high-time-to-manage-your-loanRSS for NodeSun, 26 Apr 2026 23:35:55 GMTSun, 26 Jun 2022 23:12:06 GMT60<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 23:09:56 GMT]]>

MrsKiasu\" post_id=\"2071827\" time=\"1656250578\" user_id=\"43981:

End of this year got chance more than that if interest keep going up..but cannot think too much la..let's hope it won't go up to more than 3% 😓
Yes, I hope it stays the same. Minor fluctuations <1% are fine.

]]>https://forum.kiasuparents.com/post/2071880https://forum.kiasuparents.com/post/2071880Sun, 26 Jun 2022 23:09:56 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 13:48:11 GMT]]>

MyPillow\" post_id=\"2071832\" time=\"1656251086\" user_id=\"70594:

If that high, can consider to pay off lump sum before re- price or re financing?
Yea think need to when it goes up alot.

]]>https://forum.kiasuparents.com/post/2071835https://forum.kiasuparents.com/post/2071835Sun, 26 Jun 2022 13:48:11 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 13:44:46 GMT]]>

MrsKiasu\" post_id=\"2071827\" time=\"1656250578\" user_id=\"43981:

End of this year got chance more than that if interest keep going up..but cannot think too much la..let's hope it won't go up to more than 3% 😓
If that high, can consider to pay off lump sum before re- price or re financing?

]]>https://forum.kiasuparents.com/post/2071832https://forum.kiasuparents.com/post/2071832Sun, 26 Jun 2022 13:44:46 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 13:36:18 GMT]]>

Zeal mummy\" post_id=\"2071823\" time=\"1656250286\" user_id=\"58173:[quote=\"Zeal mummy\" post_id=2071823 time=1656250286 user_id=58173]
I think there isn’t any other choice. It’s either that or fixed at 2.45! :([/quote]
End of this year got chance more than that if interest keep going up..but cannot think too much la..let's hope it won't go up to more than 3% 😓

]]>https://forum.kiasuparents.com/post/2071827https://forum.kiasuparents.com/post/2071827Sun, 26 Jun 2022 13:36:18 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 13:31:26 GMT]]>

MrsKiasu\" post_id=\"2071821\" time=\"1656250193\" user_id=\"43981:

Oh sorry typo..\"old'..think banks use repricing for loan fm same bank..refinance is probably when you change bank? But looks like the +0.6% is a good rate..you are lucky!
I think there isn’t any other choice. It’s either that or fixed at 2.45! 😞

]]>https://forum.kiasuparents.com/post/2071823https://forum.kiasuparents.com/post/2071823Sun, 26 Jun 2022 13:31:26 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 13:29:53 GMT]]>

Zeal mummy\" post_id=\"2071820\" time=\"1656249971\" user_id=\"58173:[quote=\"Zeal mummy\" post_id=2071820 time=1656249971 user_id=58173]
What is “ild”? It’s refinance. I think only DBS uses repricing.[/quote]
Oh sorry typo..\"old'..think banks use repricing for loan fm same bank..refinance is probably when you change bank? But looks like the +0.6% is a good rate..you are lucky!

]]>https://forum.kiasuparents.com/post/2071821https://forum.kiasuparents.com/post/2071821Sun, 26 Jun 2022 13:29:53 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 13:26:11 GMT]]>

MrsKiasu\" post_id=\"2071806\" time=\"1656243584\" user_id=\"43981:

You are doing repricing or new home loan or that is your 'ild' package? With which bank?
What is “ild”? It’s refinance. I think only DBS uses repricing.

]]>https://forum.kiasuparents.com/post/2071820https://forum.kiasuparents.com/post/2071820Sun, 26 Jun 2022 13:26:11 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 11:39:44 GMT]]>

Zeal mummy\" post_id=\"2071803\" time=\"1656242756\" user_id=\"58173:[quote=\"Zeal mummy\" post_id=2071803 time=1656242756 user_id=58173]
So far the best right now.. still waiting for better ones to come along. It has gone up for sure..[/quote]
You are doing repricing or new home loan or that is your 'ild' package? With which bank?

]]>https://forum.kiasuparents.com/post/2071806https://forum.kiasuparents.com/post/2071806Sun, 26 Jun 2022 11:39:44 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 11:25:56 GMT]]>

MrsKiasu\" post_id=\"2071788\" time=\"1656227185\" user_id=\"43981:

This rate still available now? That's a good rate. I checked dbs/uob/ocbc .. in range of +0.8 + le
So far the best right now.. still waiting for better ones to come along. It has gone up for sure..

]]>https://forum.kiasuparents.com/post/2071803https://forum.kiasuparents.com/post/2071803Sun, 26 Jun 2022 11:25:56 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 07:06:25 GMT]]>

Zeal mummy\" post_id=\"2071776\" time=\"1656221308\" user_id=\"58173:[quote=\"Zeal mummy\" post_id=2071776 time=1656221308 user_id=58173]
The current rate is 3m sora+0.65 and 2.45 fixed. Thereabouts. Now was the rate and when was it when u checked?[/quote]
This rate still available now? That's a good rate. I checked dbs/uob/ocbc .. in range of +0.8 + le

]]>https://forum.kiasuparents.com/post/2071788https://forum.kiasuparents.com/post/2071788Sun, 26 Jun 2022 07:06:25 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 05:28:28 GMT]]>

MrsKiasu\" post_id=\"2071752\" time=\"1656208635\" user_id=\"43981:

When I went for it..seems only 1 mth available. I roughly checked .. the diff in May rate for us was near 0.4% and in Jun around 0.1% compared to 3mth. . I guess over time the diff wont be much if the rate now is kinda around there..probably during huge movement then we see alot diff at initial period. Repriced earlier maybe get better spread rate? Now spreadrate increased..I wonder if there is anticipation there won't be huge increased rate anticipated in short term?
The current rate is 3m sora+0.65 and 2.45 fixed. Thereabouts. Now was the rate and when was it when u checked?

]]>https://forum.kiasuparents.com/post/2071776https://forum.kiasuparents.com/post/2071776Sun, 26 Jun 2022 05:28:28 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 01:57:15 GMT]]>

Zeal mummy\" post_id=\"2071737\" time=\"1656202676\" user_id=\"58173:[quote=\"Zeal mummy\" post_id=2071737 time=1656202676 user_id=58173]
You’re not having the 3M sora? They do offer that.[/quote]
When I went for it..seems only 1 mth available. I roughly checked .. the diff in May rate for us was near 0.4% and in Jun around 0.1% compared to 3mth. . I guess over time the diff wont be much if the rate now is kinda around there..probably during huge movement then we see alot diff at initial period. Repriced earlier maybe get better spread rate? Now spreadrate increased..I wonder if there is anticipation there won't be huge increased rate anticipated in short term?

]]>https://forum.kiasuparents.com/post/2071752https://forum.kiasuparents.com/post/2071752Sun, 26 Jun 2022 01:57:15 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 00:17:56 GMT]]>You’re not having the 3M sora? They do offer that.

]]>https://forum.kiasuparents.com/post/2071737https://forum.kiasuparents.com/post/2071737Sun, 26 Jun 2022 00:17:56 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sun, 26 Jun 2022 00:10:21 GMT]]>

Zeal mummy\" post_id=\"2071733\" time=\"1656201570\" user_id=\"58173:[quote=\"Zeal mummy\" post_id=2071733 time=1656201570 user_id=58173]
Safer yes, but much higher for fixed.[/quote]
Look at how much it jumped from one mth to another..bank don't even offer 3 mths avg (if the have such rate before we repriced)

]]>https://forum.kiasuparents.com/post/2071735https://forum.kiasuparents.com/post/2071735Sun, 26 Jun 2022 00:10:21 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sat, 25 Jun 2022 23:59:30 GMT]]>Safer yes, but much higher for fixed.

]]>https://forum.kiasuparents.com/post/2071733https://forum.kiasuparents.com/post/2071733Sat, 25 Jun 2022 23:59:30 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sat, 25 Jun 2022 23:57:46 GMT]]>

Zeal mummy\" post_id=\"2071729\" time=\"1656198458\" user_id=\"58173:[quote=\"Zeal mummy\" post_id=2071729 time=1656198458 user_id=58173]
Sora fluctuation seems to be in the upwards trend.[/quote]
I think should be maybe rate is less than the Sibor as Sora is based on actual rates from what I read. We changed to Sora but still a floating..if fixed maybe safer? 🤷

]]>https://forum.kiasuparents.com/post/2071732https://forum.kiasuparents.com/post/2071732Sat, 25 Jun 2022 23:57:46 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Sat, 25 Jun 2022 23:07:38 GMT]]>Sora fluctuation seems to be in the upwards trend.

]]>https://forum.kiasuparents.com/post/2071729https://forum.kiasuparents.com/post/2071729Sat, 25 Jun 2022 23:07:38 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Mon, 19 Oct 2020 04:40:16 GMT]]>Same here it is hard to have large loans these days. We can never tell when we can bounce back again

]]>https://forum.kiasuparents.com/post/1999373https://forum.kiasuparents.com/post/1999373Mon, 19 Oct 2020 04:40:16 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Fri, 22 Feb 2019 00:28:14 GMT]]>Commentary: Consumers feel the pinch of rising interest rates


https://www.channelnewsasia.com/news/commentary/higher-interest-rates-mortage-singapore-sibor-best-banks-11261734

]]>https://forum.kiasuparents.com/post/1899174https://forum.kiasuparents.com/post/1899174Fri, 22 Feb 2019 00:28:14 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Mon, 18 Feb 2019 15:19:49 GMT]]>FLD

I found https://www.moneysmart.sg/home-loan

]]>https://forum.kiasuparents.com/post/1898783https://forum.kiasuparents.com/post/1898783Mon, 18 Feb 2019 15:19:49 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Mon, 18 Feb 2019 14:50:09 GMT]]>

starlight1968sg:
FLD

You may want to ask if your current bank is willing to reprice your loan so as to get a better rate. This is what I hv done with SCB.
Ok will try again this round. 3 years ago I switch banks becos existing bank’s rate was worse than the new bank even after reprice.

]]>https://forum.kiasuparents.com/post/1898782https://forum.kiasuparents.com/post/1898782Mon, 18 Feb 2019 14:50:09 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Mon, 18 Feb 2019 14:37:08 GMT]]>FLD

You may want to ask if your current bank is willing to reprice your loan so as to get a better rate. This is what I hv done with SCB.

]]>https://forum.kiasuparents.com/post/1898781https://forum.kiasuparents.com/post/1898781Mon, 18 Feb 2019 14:37:08 GMT<![CDATA[Reply to SIBOR borrower- it's high time to manage your loan! on Mon, 18 Feb 2019 13:45:37 GMT]]>Is there any website that compares home loan package % interest rate, offered by different banks?


Do you all usually make a lump sum partial payment to bring down the loan amount before repricing the loan? If yes, what’s the motivation to do so, since it is still better to leave $$ in cpf I suppose, as it is still higher than FD rate?

Thanks.

]]>https://forum.kiasuparents.com/post/1898777https://forum.kiasuparents.com/post/1898777Mon, 18 Feb 2019 13:45:37 GMT