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浮动利率再受关注，但固定利率房贷仍主导新加坡市场

经历数年利率波动后，许多借款人愈发重视确定性

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Tan Nai Lun

Tan Nai Lun

Published Sun, Jan 25, 2026 · 06:14 PM
    • 多年的利率波动使借款人保持谨慎，尽管浮动利率配套越来越有吸引力，但许多人仍优先考虑可预测的每月还款额。
    • 多年的利率波动使借款人保持谨慎，尽管浮动利率配套越来越有吸引力，但许多人仍优先考虑可预测的每月还款额。 图片：海峡时报

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    【新加坡】随着借贷成本下降以及对进一步降息的预期升温，新加坡市场对浮动利率房屋贷款的兴趣正在回升。然而，在利率走向持续不明朗的背景下，固定利率抵押贷款仍是大多数屋主的首选。

    市场观察人士指出，多年的利率波动已使借款人持谨慎态度，尽管浮动利率配套越来越有吸引力，但许多人仍优先考虑可预测的每月还款额。

    Redbrick Mortgage Advisory 的关系主管 Clive Chng 表示：“如今，在经历了几年的利率波动后，大部分借款人更加注重确定性。”

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