现在的房是floating rate loan, 明年利息会比较高所以想换个loan package, 房贷还剩200k plus.
还是打算跟同一家银行省去律师费，现在是UOB. 问了一下，手续费要800, floating rate with one year penalty: 1 yr 1.58%, 2nd yr 1.88%, thereafter 2.68%; floating rate with two yrs penalty: 1yr 1.48%, 2nd yr 1.78%, thereafter 2.68%.
大家看这个手续费和利率合理吗？