Floating interest rates
1 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.40%
Year 2: 3M SORA + 0.40%
Year 3: 3M SORA + 0.40%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in
- Up to 50% partial repayment within lock in period is allowed
Cash rebate for refinancing only
0.4% of loan amount, capped at $2,500
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.48% Fixed
Year 2: 3M SORA + 0.40%
Year 3: 3M SORA + 0.40%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
- Waiver of penalty due to sale after 12 months
- No penalty for partial repayment after 12 months
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
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.45%
Year 2: 3M SORA + 0.45%
Year 3: 3M SORA + 0.45%
Thereafter: 3M SORA + 1.00%
- One time 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
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Only applicable to selected properties with GREEN MARK certification)
Year 1: 3M SORA + 0.45%
Year 2: 3M SORA + 0.45%
Year 3: 3M SORA + 0.60%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- Must take up BOC credit card
Legal subsidy for refinancing only
- 0.40% of loan amount, capped at $1,800