Available Home Loan Packages as of April 2024
1 Year Fixed
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 4.25% Fixed
Year 2: 3M SORA + 0.75%
Year 3: 3M SORA + 0.85%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months to fixed rate only
Legal and valuation subsidy for refinancing only
- 0.20% of loan amount, capped at $2,500
3-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.60%
Year 2: 3M SORA + 0.60%
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months for HDB
- One free conversion after lock in for Private
- Up to 20% partial repayment per year during lock in
- 50% waiver due to sales and refund another 50% if client takes the same or higher loan amount within 6 months
Cash rebate for refinancing only
Private loan amount above 450K - $2,200
HDB loan amount above 300K - $2,000
1-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.55%
Year 2: 1M SORA + 0.60%
Year 3: 1M SORA + 1.10%
Thereafter: 1M SORA + 1.10%
- One free conversion after 12 months
- Up to 50% partial payment is allowed during lock-in
Legal subsidy for refinancing only
Loan amount above 500K - $2,000
Loan amount below 500K - $0
3-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.65%
Year 2: 3M SORA + 0.65%
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
- 50% interest offset account
- Pegged to 3M SORA with monthly refresh
Legal subsidy for refinancing only
- 0.20% of loan amount, capped at $2,500
