
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.53% Fixed
Year 2: 1.53% Fixed
Year 3: 3M SORA + 0.50%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
- Waiver of penalty due to sale
Cash rebate for refinancing only
Private loan amount above 500K - $2,300
Private loan amount above 1.0M - $3,000
Private loan amount above 1.5M - $3,400
HDB loan amount above 250K - $2,000
HDB loan amount above 300K - $2,100

Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.38%
Year 2: 1M SORA + 0.38%
Thereafter: 1M SORA + 0.75%
- One free conversion after 12 months
- 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

Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.55% Fixed
Year 2: 1.55% Fixed
Year 3: 1.55% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
Legal subsidy for refinancing only
Loan amount above 500K - $1,800
Valuation subsidy for refinancing only
Loan amount above 500K - $350
Loan amount above 1.0M - $500

Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.55% Fixed
Year 2: 1.55% Fixed
Year 3: 1.55% Fixed
Year 4: 1M SORA + 0.55%
Thereafter: 1M SORA + 1.00%
- One free conversion after 24 months
- Waiver of penalty due to sale after 24 months
Legal subsidy for refinancing only
Loan amount above 500K - $1,800
Valuation subsidy for refinancing only
Loan amount above 500K - $350
Loan amount above 1.0M - $500