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

2 Year Fixed

Interest rate: 3.80%

Board Rate/Not In List

First year interest

3.80%

First year monthly installment

5.59K

Loan tenor

30 years

Three year average interest

4.02%

Fixed interest rates

2 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.80% Fixed

Year 2: 3.80% Fixed

Thereafter: 4.45% 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 200K - $1500

Loan amount above 300K - $2000

3 Year Fixed

Interest rate: 3.95%

Board Rate/Not In List

First year interest

3.95%

First year monthly installment

5.69K

Loan tenor

30 years

Three year average interest

3.95%

Fixed interest rates

3 year lock-in

(Minimum loan amount requirement applies)

Year 1: 3.95% Fixed

Year 2: 3.95% Fixed

Year 3: 3.95% Fixed

Thereafter: 4.45% 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 200K - $1500

Loan amount above 300K - $2000

3-Month SORA

Interest rate: 3.96%

3-mth SORA

First year interest

3.96%

First year monthly installment

5.70K

Loan tenor

30 years

Three year average interest

4.19%

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

1-Month SORA

Interest rate: 3.99%

1-mth SORA

First year interest

3.99%

First year monthly installment

5.72K

Loan tenor

30 years

Three year average interest

4.15%

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

Fixed Deposit Linked Rate

Interest rate: 4.00%

FHR6

First year interest

4.00%

First year monthly installment

5.73K

Loan tenor

30 years

Three year average interest

4.00%

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

2 Year Fixed

Interest rate: 4.00%

3-mth SORA

First year interest

4.00%

First year monthly installment

5.73K

Loan tenor

30 years

Three year average interest

4.22%

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

1-Month SORA

Interest rate: 4.04%

1-mth SORA

First year interest

4.04%

First year monthly installment

5.76K

Loan tenor

30 years

Three year average interest

4.20%

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

3-Month SORA (Limited Promo)

Interest rate: 4.11%

3-mth SORA

First year interest

4.11%

First year monthly installment

5.81K

Loan tenor

30 years

Three year average interest

4.13%

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 + 0.50%

Year 4: 3M SORA + 0.95%

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

3-Month SORA

Interest rate: 4.16%

3-mth SORA

First year interest

4.16%

First year monthly installment

5.84K

Loan tenor

30 years

Three year average interest

4.16%

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

3-Month SORA

Interest rate: 4.16%

3-mth SORA

First year interest

4.16%

First year monthly installment

5.84K

Loan tenor

30 years

Three year average interest

4.16%

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 $2,000

SGD

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