darrenl

Firstly, a 50k loan falls below the min amount of 100k. As for 2 loan amount being bundled together to enjoy lower rates, it is possible as there are often room for negotiations. As such, if you have a big loan quantum you can be sure that there will be a better deal for you. 5 years min ya. Based on 5 years and a 100k loan, there will be more than $2000 in savings when converting from a package of 2% to a package of 1%. So if you ask me, though it might be a small sum to many, I say yes, $2000 is money afterall.

Oh generally banks offer afew different rates for different "tier" of loan. There are banks that offer a more favourable rate for loan size that are greater. Simply put, you can get a lower rate if you are taking up a bigger loan. ( high loan = higher negotiating powers for consumer)

Yes, typically 100k across the banks. However banks like dbs offer refinancing of min 80k. Hope that helps.