Available Home Loan Packages as of June 2023
2 Year Fixed (Citigold)
Fixed interest rates
2 year lock-in
Year 1: 3.85% Fixed
Year 2: 3.85% Fixed
Thereafter: 3M SORA + 1.10%
Legal subsidy for refinancing only
- 0.40% of loan amount, capped at $2,500
3 Year Fixed
Fixed interest rates
3 year lock-in
Year 1: 3.90% Fixed
Year 2: 3.90% Fixed
Year 3: 3.90% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- Waiver of penalty due to sale after 6 months of repayment
- Claw back period is 2 years for all subsidies
Subsidies for refinancing ONLY:
Legal susbidy - 0.4% of loan amount, capped at $1,800
Valuation subsidy - Full
Fire insurance subsidy - first year free, subsequent years payable by client
3 Year Fixed
Fixed interest rates
3 year lock-in
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
2 Year Fixed
Fixed interest rates
2 year lock-in
Year 1: 4.00% Fixed
Year 2: 4.00% Fixed
Thereafter: 3M SORA + 1.10%
Legal subsidy for refinancing only
- 0.40% of loan amount, capped at $2,500
