2 Year Fixed (Citigold Private Client)

Interest rate: 3.15%

3-mth SORA

First year interest

3.15%

First year monthly installment

5.16K

Loan tenor

30 years

Three year average interest

3.65%

Fixed interest rates

2 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.15% Fixed

Year 2: 3.15% Fixed

Thereafter: 3M SORA + 1.00%

Legal and valuation subsidy for refinancing only

- 0.40% of loan amount, capped at $5,000

2 Year Fixed (Citigold)

Interest rate: 3.20%

3-mth SORA

First year interest

3.20%

First year monthly installment

5.19K

Loan tenor

30 years

Three year average interest

3.68%

Fixed interest rates

2 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.20% Fixed

Year 2: 3.20% Fixed

Thereafter: 3M SORA + 1.00%

Legal and valuation subsidy for refinancing only

- 0.40% of loan amount, capped at $2,500

1 Year Fixed (Citigold Private Client)

Interest rate: 3.20%

3-mth SORA

First year interest

3.20%

First year monthly installment

5.19K

Loan tenor

30 years

Three year average interest

3.91%

Fixed interest rates

1 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.20% Fixed

Year 2: 3M SORA + 0.50%

Year 3: 3M SORA + 0.75%

Thereafter: 3M SORA + 1.00%

Legal and valuation subsidy for refinancing only

- 0.40% of loan amount, capped at $5,000

1 Year Fixed (Citigold)

Interest rate: 3.25%

3-mth SORA

First year interest

3.25%

First year monthly installment

5.22K

Loan tenor

30 years

Three year average interest

3.94%

Fixed interest rates

2 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.25% Fixed

Year 2: 3M SORA + 0.55%

Year 3: 3M SORA + 0.75%

Thereafter: 3M SORA + 1.00%

- One free conversion after 12 months to fixed rate only

Legal and valuation subsidy for refinancing only

- 0.40% of loan amount, capped at $2,500

3 Year Fixed

Interest rate: 3.45%

1-mth SORA

First year interest

3.45%

First year monthly installment

5.36K

Loan tenor

30 years

Three year average interest

3.45%

Fixed interest rates

3 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.45% Fixed

Year 2: 3.45% Fixed

Year 3: 3.45% Fixed

Thereafter: 1M SORA + 1.00%

- Must sign up SaveUp account and credit card

Cash rebate for refinancing only

0.4% of loan amount, capped at $2,500

1 Year Fixed

Interest rate: 3.68%

Board Rate/Not In List

First year interest

3.68%

First year monthly installment

5.51K

Loan tenor

30 years

Three year average interest

4.10%

Fixed interest rates

2 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.68% Fixed

Year 2: 4.28% Board Rate

Thereafter: 4.35% Board Rate

- No valuation fee

- Commitment fee 0.02% of the loan amount, subject to min $200

Cash rebate for refinancing only

Loan amount above 250K - $2,000

3 Year Fixed

Interest rate: 3.75%

3-mth SORA

First year interest

3.75%

First year monthly installment

5.56K

Loan tenor

30 years

Three year average interest

3.75%

Fixed interest rates

3 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.75% Fixed

Year 2: 3.75% Fixed

Year 3: 3.75% Fixed

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

4 Year Fixed

Interest rate: 3.75%

3-mth SORA

First year interest

3.75%

First year monthly installment

5.56K

Loan tenor

30 years

Three year average interest

3.75%

Fixed interest rates

4 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.75% Fixed

Year 2: 3.75% Fixed

Year 3: 3.75% Fixed

Year 4: 3.75% Fixed

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

5 Year Fixed

Interest rate: 3.75%

3-mth SORA

First year interest

3.75%

First year monthly installment

5.56K

Loan tenor

30 years

Three year average interest

3.75%

Fixed interest rates

5 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.75% Fixed

Year 2: 3.75% Fixed

Year 3: 3.75% Fixed

Year 4: 3.75% Fixed

Year 5: 3.75% Fixed

Thereafter: 3M SORA + 1.00%

- One free conversion after 36 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

2 Year Fixed (Flexi)

Interest rate: 3.75%

3-mth SORA

First year interest

3.75%

First year monthly installment

5.56K

Loan tenor

30 years

Three year average interest

4.05%

Fixed interest rates

2 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.75% Fixed

Year 2: 3.75% Fixed

Thereafter: 3M SORA + 1.00%

- One free conversion after 12 months

- 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

1-Month SORA

Interest rate: 3.81%

1-mth SORA

First year interest

3.81%

First year monthly installment

5.60K

Loan tenor

30 years

Three year average interest

3.98%

Floating interest rates

2 year lock-in

(Minimum loan amount requirement applies)

Year 1: 1M SORA + 0.28%

Year 2: 1M SORA + 0.48%

Year 3: 1M SORA + 0.58%

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)

- Must fund 200K before loan disbursement

Cash rebate For refinancing only

Loan amount above 500K - $2,000

Loan amount above 1.5M - $2,500

1-Month SORA

Interest rate: 3.86%

1-mth SORA

First year interest

3.86%

First year monthly installment

5.63K

Loan tenor

30 years

Three year average interest

4.03%

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

SGD

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