3.82% interest for HDB 2nd loan????

Yup that's what I get during my 1st appointment.This will be my 2nd HDB loan the officer told me the interest rate for my new resale flat will pegged at 3.82%.it sounds crazy and bank rates can offer cheaper than that.I've asked the officer why I was pegged at 3.82% instead of the normal 2.6% but he seems not be able to explain so I guess maybe it's up to HDB discretion on the amountloan granted and their interest rates.So after a few days I tried to call the HDB mainline..to check on my resale application status..n suddenly I just query again on the interest rate.I have spoken to 2 different officers and their reply is the same.According to them even for 2nd HdB loan,I will still have a conssesiorary rate of 2.6%.I was shocked to hear this and they told me to talk to my officer in charge.when my officer called me I ask him again how come my interest is pegged at 3.82% instead of 2.6% and he just answered yes.mine at 3.82%.so I asked him gain for 2nd time explaining to him I'm using my 2nd Hdb loan and the loan they offered is higher than certain banks.then finally he said hold on for a while.he finally then said "ohh I can do it for you straight away to 2.6% so when are you free to come down again"...

The things I have learnt sometimes people do makes mistakes even how high his/her position is.If you feel something is not right and you have done your part to ask around,question them again.if my officer don't give my 2.6% interest rate I would have see MP to appeal on my case.Confirmed the officer will be in trouble.lol.since he had given me the interest rate that's mean I will have lower monthly installment,I will just let the matter rest :)

A CNY short break

Mum had left for kelantan yesterday..not kelantan lane but kelantan/terranganu in Malaysia..lol only left me to do the packing haizz...kinda lazy...after mum be back on Sunday,it's my turn to leave for my Cambodia trip on 07/03 Monday...few more days to go but dunno why I don't feel excited this time..maybe I'm occupied with my house thingy for these past 1 month and was excited more on my house reno journey than my cambodia trip..but I have fly off since tickets been bought perhaps the short trip will give me more ideas on my reno plan...lol..Anyway wishing A prosperous Lunar New Year and a Happy ling weekend to all..Gong Xi Fa Cai... :)