Thoughts on My Home Loan Repricing and XIRR

 


My previous loan with DBS was a floating FHR8 + 1.45% with $288 cash rebate. That works out to be 2.05% pa as FHR8 is now 0.6%. No very attractive at this low interest rate environment.


The recent sg bank stocks price surge is partly due to a spike in US 10 years Treasury which is now at 1.101%. Very hard to predict where the rates are heading to, so its best to reprice my loan to a longer term fix rate to hedge against a potential continued rise.

We did our repricing online with DBS recently and this is the loan package we have repriced to:



The good thing about repricing is that you do not need to find/pay a lawyer and there are no charges involved. The new loan will also be effective the very next month. This new loan looks decent because its 1.5% pa for 5 years fixed(that is 0.55% lower than our previous rate). There is also a mechanism where we can par down our loan partially anytime after the loan is active with no charges. It also includes a 1 time free repricing after 30 months.

1.5% pa is lower than our condo's rental yield, Singlife's 2% interest and Dash EasyEarn's 2% interest. Its higher than BOC Smartsaver 1.45% interest though. See how it goes.

Snap shot of my portfolio performance as of today: Total profit for 2021: S$12,075.03


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  27. I was the subject of a cryptocurrency heist. My wallet was broken into, and some bitcoin was taken and transferred to an unauthorised account. They notified my wallet management, but they had me wait a week to get back to me by email. Instead of helping, they suggested that my phone might have been compromised and advised me to contact the authorities, who were unable to give any aid in getting my bitcoin back. While searching the internet for a way to recover my stolen bitcoin, I came across Wizard James Recovery, a group of bitcoin recovery specialists. I made the decision to get in touch with them to ask for help recovering the money I had lost. Wizard James Recovery helped me get the money back that had been taken, thus I have nothing but appreciation for them. Wizard James Recovery was able to ascertain how the transaction was completed by using their advanced equipment. I am really appreciative of Wizard James Recovery's outstanding service and have received my money back. If you are experiencing any problems like mine. Kindly contact them via: wizardjamesrecovery (a) usa (dot) com.

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  28. I so believed that I would ride the Bitcoin wave to financial independence, but I was actually swept up in a maelstrom of fraud and frauds. Greetings from the crazy world of Bitcoin investing, where dreams of easy money can often turn into disastrous financial situations. I decided to take a risk, put my hard-earned money into Bitcoin, and believed I would soon become the next cryptocurrency millionaire. I fell for the scammer's slick pitch and promises of assured returns before I could even say "blockchain." But suddenly, like a tonne of digital bricks, reality set in. When I understood I had been tricked, my money disappeared into the dark depths of the cryptocurrency abyss, and I was left feeling completely ignorant of Bitcoin. Like a digital superhero, WIZARD JAMES RECOVERY leaps in to save me from the scammer's clutches and assist me in getting back what is rightfully mine. They're here to take the cybercriminals to task using their knowledge and astute abilities. I crossed my fingers and hoped for the best as I gave WIZARD JAMES RECOVERY the reins. I watched in a mixture of excitement and scepticism as they searched the depths of the digital underworld for my misplaced money. With a rigorous verification and investigation process, WIZARD JAMES RECOVERY made sure that no digital detail was overlooked. Every digital trail and virtual breadcrumb was followed until the scammer's digital footprints took them directly to the Bitcoin gold mine. WIZARD JAMES RECOVERY acted immediately after coming up with a sound plan. They used their recovery plan like a well-tuned machine, making exact moves to foil the con artists and get my money back into my virtual wallet. In the end, WIZARD JAMES RECOVERY's effective services allowed me to triumph and prove myself to be a wise Bitcoin investor once more. The following details should be used to get in touch with WIZARD JAMES RECOVERY: Email: (wizardjamesrecovery@usa.com)-----Whatsapp: (+44 7418 367204)

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  29. I've always liked the notion of investing in cryptocurrencies, but I didn't follow the correct procedures, and I ended up losing all of my money to a counterfeit site that made fake bitcoin investments. I lost a lot of money to a cryptocurrency investment fraud because I didn't thoroughly investigate the integrity of the investment company before entrusting them with my hard-earned money. I tried everything, including contacting the company support group and the authorities, but I was unable to get my money back. It wasn't until I read online reviews about WIZARD JAMES RECOVERY SERVICES from happy customers that I learned about the service. I got in touch with WIZARD JAMES RECOVERY right away and gave them all the information they required to assist them in their investigation. WIZARD JAMES RECOVERY is a cryptocurrency recovery organisation that has assisted numerous scam victims in recovering their money. I'm grateful for their dependable and professional services, and I will continue to recommend their outstanding recovery service to scam victims who wish to get their lost investment funds back. With their Recovery Services, they were able to recover my cryptocurrency funds, tracking them down and retrieving them from the scammers. The greatest strategy to get your stolen cryptocurrency and lost money back is WIZARD JAMES RECOVERY. Here is their contact information. Wizardjamesrecovery AT usa DOT com is their email.

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