Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.33%
Year 2: 1M SORA + 0.53%
Year 3: 1M SORA + 0.63%
Thereafter: 1M SORA + 1.00%
- 100% Waiver of penalty due to sale
- Partial repayment allowed (up to 30% of initial loan amount)
- One time free conversion that can be exercised anytime
- Smart mortgage (up to 70% interest offset)
Cash rebate For refinancing only
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.30%
Year 2: 3M SORA + 0.30%
Thereafter: 3M SORA + 1.00%
- 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
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.40%
Year 2: 3M SORA + 0.40%
Year 3: 3M SORA + 0.45%
Thereafter: 3M SORA + 0.90%
- One free conversion after 12 months
- Must deposit 200K fresh fund to qualify this package
Legal subsidy for refinancing only - $1,800
Valuation subsidy for refinancing only - $500
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.45%
Year 2: 3M SORA + 0.45%
Year 3: 3M SORA + 0.45%
Thereafter: 3M SORA + 1.00%
- One time free conversion after 6 months
Subsidy is applicable to both purchase and refinancing
- Legal subsidy 0.30% of loan amount, capped at $2,000
- Valuation subsidy $500 for loan amount above 800K
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Only applicable to selected properties with GREEN MARK certification)
Year 1: 3M SORA + 0.45%
Year 2: 3M SORA + 0.45%
Year 3: 3M SORA + 0.60%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- Must take up BOC credit card
Legal subsidy for refinancing only
- 0.40% of loan amount, capped at $1,800
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: FHR6 + 1.10%
Year 2: FHR6 + 1.10%
Thereafter: FHR6 + 1.10%
- One free conversion after 12 months
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
HDB loan amount above 250K - $2,000
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 4.00% Fixed
Year 2: 4.00% Fixed
Thereafter: 3M SORA + 1.00%
Legal and valuation subsidy for refinancing only
- 0.20% of loan amount, capped at $2,500
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.55%
Year 2: 1M SORA + 0.60%
Year 3: 1M SORA + 1.10%
Thereafter: 1M SORA + 1.10%
- One free conversion after 12 months
- Up to 50% partial payment is allowed during lock-in
Legal and valuation subsidy for refinancing only
- 0.4% of loan amount, capped at $2,500
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.50%
Year 2: 3M SORA + 0.50%
Year 3: 3M SORA + 0.50%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
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
HDB loan amount above 250K - $2,000
Floating interest rates
1 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.50%
Year 2: 3M SORA + 0.50%
Year 3: 3M SORA + 0.50%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in
- Partial repayment within lock in period is allowed (up to 50% of original loan amount)
Cash rebate for refinancing only
0.4% of loan amount, capped at $2,500
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.50%
Year 2: 3M SORA + 0.50%
Year 3: 3M SORA + 0.55%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
Legal subsidy for refinancing only - $1,800
Valuation subsidy for refinancing only - $500
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.50%
Year 2: 3M SORA + 0.50%
Year 3: 3M SORA + 0.55%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
Legal subsidy for refinancing only - $1,800
Valuation subsidy for refinancing only - $500
