{"id":26396,"date":"2022-05-29T11:50:00","date_gmt":"2022-05-29T03:50:00","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=26396"},"modified":"2022-10-20T18:35:00","modified_gmt":"2022-10-20T10:35:00","slug":"property-jargon-of-the-day-repricing","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-repricing\/","title":{"rendered":"Repricing"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div>\n<p>Every day, 99.co takes a piece of property jargon and demystifies it. Today, we\u2019re looking at <strong>repricing<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-repricing\">What is repricing?<\/h2>\n\n\n\n<p>Repricing happens when you <strong>switch from one home loan, to another home loan offered by the same bank<\/strong>. People often reprice when their current bank offers a more attractive loan package than the one they&#8217;re on.<\/p>\n\n\n<div class=\"wp-block-image wp-image-26397\">\n<figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/05\/Property-jargon-repricing.jpg\" alt=\"What are the differences between repricing and refinancing?\" class=\"wp-image-26397\" width=\"700\"\/><figcaption>Repricing switches loan packages, but the bank doesn&#8217;t change; its different from refinancing<\/figcaption><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-difference-between-repricing-and-refinancing\">What is the difference between repricing and refinancing?<\/h2>\n\n\n\n<p>When you refinance, you are changing from one bank to another. For more details on this, see our <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-refinancing\/\" target=\"_blank\" rel=\"noreferrer noopener\">previous article<\/a> on refinancing. Some of the key differences are:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Costs<\/li><li>Faster loan processing<\/li><li>No minimum sums<\/li><li>Does not break lock-in clauses<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-costs\">1. Costs<\/h3>\n\n\n\n<p>Say you have a home loan of S$1 million, on a 30 year lease. At a rate of two per cent per annum, this comes to around S$3,700 per month. If you <em>refinance\u00a0<\/em>with another bank, at 1.8%, you would pay just around S$3,600 per month \u2013 a savings of about S$100 per month.<\/p>\n\n\n\n<p>However, refinancing incurs conveyancing fees of around S$2,500 to S$3,000. It would take two and a half years just to cover the cost of refinancing, and it may not be worth the time or effort.<\/p>\n\n\n\n<p>When repricing, you may not incur any such fees \u2013 some loan come with one or two free repricing options (check the terms and conditions). Even if you do have to pay for repricing, the costs are much lower, at around S$1,000 or under.<\/p>\n\n\n<div class=\"wp-block-image wp-image-26398\">\n<figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/05\/Property-Jargon-repricing-time.jpg\" alt=\"Repricing takes a shorter time to be processed, as compared to refinancing.\" class=\"wp-image-26398\" width=\"700\"\/><figcaption>Repricing is processed more quickly as compared to refinancing.<\/figcaption><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-faster-loan-processing\">2. Faster loan processing<\/h3>\n\n\n\n<p>Refinancing can take up to three months, depending on the complexity of the situation (e.g. whether another valuation of the house needs to be done, or whether a new law firm must take over the case). Repricing, by contrast, can take as little as a month or less, depending on the bank in question.<\/p>\n\n\n\n<p>(But this assumes there are no significant changes in your situation, such as a change in income or large devaluation of the property).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-no-minimum-sums\">3. No minimum sums<\/h3>\n\n\n\n<p>For refinancing, there must be a minimum sum involved for a new bank to take over your loan. This is usually at least S$100,000, although some banks may set the minimum as high as S$500,000.<\/p>\n\n\n\n<p>For repricing, there is usually no minimum amount required.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-does-not-break-lock-in-clauses\">4. Does not break lock-in clauses<\/h3>\n\n\n\n<p>A lock-in clause is a penalty for refinancing, within a given time period (typically three to five years). The typical penalty is 1.5 times the undisbursed loan amount, so it&#8217;s never worth paying. When you reprice however, you won&#8217;t break the <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-lock-in-clause\/\" target=\"_blank\" rel=\"noreferrer noopener\">lock-in clause<\/a> as you&#8217;re still staying with the same bank.<\/p>\n\n\n<div class=\"wp-block-image wp-image-26399\">\n<figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/05\/Property-Jargon-Repricing-vs-Refinancing.jpg\" alt=\"Know the pros and cons of repricing and refinancing before deciding.\" class=\"wp-image-26399\" width=\"700\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/05\/Property-Jargon-Repricing-vs-Refinancing.jpg 8058w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/05\/Property-Jargon-Repricing-vs-Refinancing-1536x984.jpg 1536w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/05\/Property-Jargon-Repricing-vs-Refinancing-2048x1312.jpg 2048w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/05\/Property-Jargon-Repricing-vs-Refinancing-150x96.jpg 150w\" sizes=\"(max-width: 8058px) 100vw, 8058px\" \/><figcaption>Before refinancing, check if repricing would be a cheaper way to lower your interest rate.<\/figcaption><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-should-you-reprice-or-refinance\">Should you reprice or refinance?<\/h2>\n\n\n\n<p>If you wish to reduce your mortgage payment, you can consider both refinancing and repricing. In general, repricing will be the more cost-effective option, unless refinancing would give you a truly sizeable difference in interest rates (a difference of 0.5% or more). Speak to a <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-mortgage-broker\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage broker<\/a>, they&#8217;ll do the maths for you for free.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-other-bits-of-property-jargon-would-you-like-to-learn-more-about-let-us-know-in-the-comments-section-below\">What other bits of property jargon would you like to learn more about? Let us know in the comments section below. <\/h2>\n","protected":false},"excerpt":{"rendered":"<p>Every day, 99.co takes a piece of property jargon and demystifies it. Today, we\u2019re looking at repricing. What is repricing? Repricing happens when you switch from one home loan, to another home loan offered by the same bank. People often reprice when their current bank offers a more attractive loan package than the one they&#8217;re&hellip;<\/p>\n","protected":false},"author":75,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"59689,5322,44078,50577,48470,11553","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53674,57131],"tags":[55437,54555,55554,57191],"persona":[57126],"class_list":{"2":"type-post","13":"entry","14":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Repricing - 99.co<\/title>\n<meta name=\"description\" content=\"Repricing or refinancing? 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