
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.50% Fixed
Year 2: 1.50% Fixed
Year 3: 1M SORA + 0.45%
Year 4: 1M SORA + 0.55%
Thereafter: 1M SORA + 1.00%
- One free conversion after 12 months
Legal subsidy for refinancing only
Loan amount above 500K - $1,800
Valuation subsidy for refinancing only
Loan amount above 500K - $350
Loan amount above 1.0M - $500

Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.50% Fixed
Year 2: 3M SORA + 0.40%
Year 3: 3M SORA + 0.50%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
- Up to 50% partial repayment is allowed after 12 months
- Waiver due to sale after 12 months
- No need to pay bank's fire insurance for MCST property
Cash rebate for refinancing only
Private Loan amount above 500K - $2,000
Private Loan amount above 1.0M - $2,500
Private Loan amount above 1.5M - $2,800

Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.50% Fixed
Year 2: 1.50% Fixed
Year 3: 1.50% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
Legal subsidy for refinancing only
Loan amount above 500K - $1,800
Valuation subsidy for refinancing only
Loan amount above 500K - $350
Loan amount above 1.0M - $500
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.50% Fixed
Year 2: 1.50% Fixed
Year 3: 3M SORA + 0.50%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- 50% waiver due to sales and refund another 50% if client takes the same or higher loan amount within 6 months
Cash rebate for refinancing only
Private Loan amount above 450K - $2,000
Private Loan amount above 1.0M - $2,500
HDB loan amount above 300K - $2,000
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.50% Fixed
Year 2: 1.50% Fixed
Thereafter: 1M SORA + 1.00%
- One free conversion after 12 months
Cash rebate For refinancing only
Loan amount below 500K - $1,000
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Must fund 200K before loan disbursement)
Year 1: 1.50% Fixed
Year 2: 1.50% Fixed
Thereafter: 1M SORA + 1.00%
- One free conversion after 12 months
Cash rebate For refinancing only
Loan amount above 600K - $3,500

Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.50% Fixed
Year 2: 1M SORA + 0.80%
Year 3: 1M SORA + 0.90%
Thereafter: 1M SORA + 1.00%
- One free conversion after 12 months
- Partial prepayment up to 50% of original loan amount after 12 months
Legal and valuation subsidy for refinancing only
Loan amount above 500K - $2,000

Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.50%
Year 2: 3M SORA + 0.50%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- Waiver of penalty due to sale after 6 months of repayment
Subsidies for refinancing ONLY:
- Legal subsidy 0.4% of loan amount, capped at $1,800
- Full valuation subsidy
- Free fire insurance for first year
- Clawback period is 2 years for all the above subsidies
Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.60% Fixed
Year 2: 1.60% Fixed
Year 3: 1.60% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- 50% waiver due to sales and refund another 50% if client takes the same or higher loan amount within 6 months
Cash rebate for refinancing only
Private Loan amount above 450K - $2,000
Private Loan amount above 1.0M - $2,500
HDB loan amount above 300K - $2,000

Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.60% Fixed
Year 2: 1.60% Fixed
Year 3: 3M SORA + 0.65%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- No need to pay bank's fire insurance for MCST property
Cash rebate for refinancing only
Private Loan amount above 500K - $2,000
Private Loan amount above 1.0M - $2,500
Private Loan amount above 1.5M - $2,800

Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.60% Fixed
Year 2: 1.60% Fixed
Thereafter: 1M SORA + 0.85%
Legal and valuation subsidy for refinancing only
- 0.40% of loan amount, capped at $2,500

Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.65% Fixed
Year 2: 1.65% Fixed
Year 3: 1.65% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- No need to pay bank's fire insurance for MCST property
Cash rebate for refinancing only
Private Loan amount above 500K - $2,000
Private Loan amount above 1.0M - $2,500
Private Loan amount above 1.5M - $2,800