Available Home Loan Packages as of January 2023

Floating interest rates

3 year lock-in

Year 1: 2.60% (CHR + 0.10%)
Year 2: 2.60% (CHR + 0.10%)
Year 3: 2.60% (CHR + 0.10%)
Thereafter: 2.60% (CHR + 0.10%)
- CPF Home Rate (CHR) is based on the prevailing CPF-OA interest rate which is at 2.50% currently
- The average monthly income of all borrowers must be S$2,500 and below
Cash rebate for refinancing only
HDB loan amount above 250K - $2,000

Floating interest rates

2 year lock-in

Year 1: 3M SORA + 0.60%
Year 2: 3M SORA + 0.60%
Year 3: 3M SORA + 0.80%
Thereafter: 3M SORA + 1.00%
- One free conversion anytime after one year
- Up to 50% partial repayment is allowed during lock-in
- 50% waiver of penalty due to sale and refund another 50% if return with new loan of equal/greater amount within 6 months
Cash rebate for refinancing only
Loan amount above 300K - $1,800

Floating interest rates

2 year lock-in

Year 1: 3M SORA + 0.60%
Year 2: 3M SORA + 0.65%
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
- 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 450K - $2,200
HDB loan amount above 300K - $2,000

Floating interest rates

1 year lock-in

Year 1: 3M SORA + 0.65%
Year 2: 3M SORA + 0.65%
Year 3: 3M SORA + 0.65%
Thereafter: 3M SORA + 1.25%
- 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