Available Home Loan Packages as of December 2025
3-Month SORA
Floating interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.75%
Year 2: 3M SORA + 0.75%
Year 3: 3M SORA + 0.75%
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
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.85%
Year 2: 3M SORA + 0.88%
Year 3: 3M SORA + 0.90%
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
2 Year Fixed (Citigold)
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.15% Fixed
Year 2: 2.15% Fixed
Thereafter: 3M SORA + 0.85%
Legal and valuation subsidy for refinancing only
- 0.40% of loan amount, capped at $2,500
1 Year Fixed (Citigold)
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.19% Fixed
Year 2: 3M SORA + 0.65%
Year 3: 3M SORA + 0.70%
Thereafter: 3M SORA + 0.85%
- One free conversion after 12 months to fixed rate only
Legal and valuation subsidy for refinancing only
- 0.40% of loan amount, capped at $2,500
