Available Home Loan Packages as of March 2023
POSB HDB Home Loan
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
3 Year Fixed (Citigold Private Client)
Fixed interest rates
3 year lock-in
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Year 3: 3.75% Fixed
Thereafter: 3M SORA + 1.10%
Legal subsidy for refinancing only
- 0.40% of loan amount, capped at $5,000
3 Year Fixed
Fixed interest rates
3 year lock-in
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
- 100% waiver of penalty due to sale
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 Year Fixed
Fixed interest rates
3 year lock-in
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Year 3: 3.75% Fixed
Thereafter: 1M SORA + 1.25%
Cash rebate for refinancing only
0.4% of loan amount, capped at $2,000
