Available Home Loan Packages as of July 2025
1-Month SORA (With 200K Deposit)
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Must fund 200K before loan disbursement)
Year 1: 1M SORA + 0.30%
Year 2: 1M SORA + 0.35%
Year 3: 1M SORA + 0.40%
Thereafter: 1M SORA + 0.75%
- One free conversion anytime
- 100% waiver of penalty due to sale
- Up to 30% partial repayment allowed during lock in
- Smart mortgage (up to 70% interest offset)
Cash rebate For refinancing only
Loan amount above 600K - $3,500
1 Year Fixed
Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.00% Fixed
Year 2: 1M SORA + 0.50%
Year 3: 1M SORA + 0.60%
Year 4: 1M SORA + 0.70%
Thereafter: 1M SORA + 0.80%
- One free conversion after 24 months
Legal and valuation subsidy for refinancing only
Loan amount above 500K - $2,000
1-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.35%
Year 2: 1M SORA + 0.40%
Year 3: 1M SORA + 0.45%
Thereafter: 1M SORA + 0.80%
- One free conversion anytime
- 100% waiver of penalty due to sale
- Up to 30% partial repayment allowed during lock in
- Smart mortgage (up to 70% interest offset)
Cash rebate For refinancing only
Loan amount below 500K - $1,000
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500
1-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.35%
Year 2: 1M SORA + 0.35%
Thereafter: 1M SORA + 0.75%
- 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
- No need to pay bank's fire insurance for MCST property
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
