Ditanya oleh z***@gmail.com
Hi all.
First time home buyer here.
So I'm reading up on the base rate and spread rate offered by different banks.
Example:
Bank A : base rate 2.61% and spread rate 0.29%
Bank B : base rate 2.27% and spread rate 0.63%
Both have the same ELR of 2.9%
In this case, which one is a better option? To go for a lower base rate with higher spread rate, or higher base rate but lower spread rate? And why?
Thank you!
First time home buyer here.
So I'm reading up on the base rate and spread rate offered by different banks.
Example:
Bank A : base rate 2.61% and spread rate 0.29%
Bank B : base rate 2.27% and spread rate 0.63%
Both have the same ELR of 2.9%
In this case, which one is a better option? To go for a lower base rate with higher spread rate, or higher base rate but lower spread rate? And why?
Thank you!
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