Available Home Loan Packages as of August 2025
2 Year Fixed Flexi
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.20% Fixed
Year 2: 2.20% 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 - $2,000
Private loan amount above 1.0M - $2,500
Private loan amount above 1.5M - $2,800
HDB loan amount above 250K - $2,000
2 Year Fixed
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.20% Fixed
Year 2: 2.20% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- Waiver of penalty due to sale after 6 months of repayment
Subsidies for refinancing ONLY:
- Legal subsidy 0.4% of loan amount, capped at $1,800
- Full valuation subsidy
- Free fire insurance for first year
- Clawback period is 2 years for all the above subsidies
3-Month SORA (Green Mortgage)
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Only applicable to selected properties with GREEN MARK certification)
(Must take up BOC credit card)
Year 1: 3M SORA + 0.35%
Year 2: 3M SORA + 0.35%
Year 3: 3M SORA + 0.60%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
Legal subsidy for refinancing only
- 0.40% of loan amount, capped at $1,800
3-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.35%
Year 2: 3M SORA + 0.35%
Thereafter: 3M SORA + 1.00%
- One free conversion after 6 months
Subsidy is applicable to both purchase and refinancing
- Legal subsidy 0.30% of loan amount, capped at $2,000
- Valuation subsidy $500 for loan amount above 800K
