Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 4.25% Fixed
Year 2: 3M SORA + 0.75%
Year 3: 3M SORA + 0.85%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months to fixed rate only
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: 3M SORA + 0.65%
Year 2: 3M SORA + 0.65%
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
- 50% interest offset account
- Pegged to 3M SORA with monthly refresh
Legal subsidy for refinancing only
- 0.20% of loan amount, capped at $2,500
Floating interest rates
1 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.68%
Year 2: 1M SORA + 0.68%
Thereafter: 1M SORA + 1.75%
- 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: 4.35% Board Rate
Year 2: 4.35% 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
Floating interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.75%
Year 2: 3M SORA + 0.75%
Year 3: 3M SORA + 0.75%
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 + 0.95%
Year 2: 3M SORA + 0.95%
Year 3: 3M SORA + 1.20%
Thereafter: 3M SORA + 1.25%
- 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 + 1.00%
Year 2: 3M SORA + 1.00%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in
- Partial repayment allowed during lock in period as long as loan doesn't fall below 200K
- 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 1.0M - $2,500
Private loan amount above 450K - $2,000
Private loan amount below 450K - 0.4% of loan amount
HDB loan amount above 300K - $2,000
HDB loan amount below 300K - 0.4% of loan amount
Floating interest rates
0 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 1.00%
Year 2: 3M SORA + 1.00%
Thereafter: 3M SORA + 1.00%
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
