同一家银行做Re-pricing，一个固定利率，一个浮动利率，哪里划算？谢谢
OPTION A: FLOATING 15M FIXED DEPOSIT PEGGED (2 YEARS PENALTY PERIOD) (LIMITED PERIOD)
(For completed properties only, min $100K Loan outstanding)
Yr 1: 1.38% (FDPR+1.13%)
Yr 2: 1.38% (FDPR+1.13%)
Thereafter: 1.38% (FDPR+1.13%)
Fixed Deposit Property Rate (“FDPR”) pegged to 15 months Fixed Deposit rate = 0.25% p.a.
Partial Redemption Penalty:
Nil.
However, if loan outstanding fall below $100,000 after partial prepayment within 2 years from date of conversion, a penalty of 1.50% on prepaid amount will be imposed.
Partial Prepayment is subject to 1 month written notice.
Full Redemption Penalty:
1.50% on redeemed amount within 2 years from date of conversion.
Full redemption is subject to 3 months written notice.
OPTION B: 2YEARS FIXED (2 YEARS PENALTY PERIOD) (LIMITED PERIOD)
(For completed properties only, min $100K Loan outstanding)
Yr 1: 1.58% (Fixed)
Yr 2: 1.58% (Fixed)
Thereafter: 1.68% (FDPR+1.43%)
Fixed Deposit Property Rate (“FDPR”) pegged to 15 months Fixed Deposit rate = 0.25% p.a.
Partial Redemption Penalty:
1.50% on prepaid amount within 2 years from date of conversion.
Partial Prepayment is subject to 1 month written notice.
Full Redemption Penalty:
1.50% on redeemed amount within 2 years from date of conversion.
Full redemption is subject to 3 months written notice.