Available Home Loan Packages as of December 2025
3-Month SORA
Floating interest rates
0 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 1.00%
Year 2: 3M SORA + 1.00%
Thereafter: 3M SORA + 1.00%
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
Board Rate
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.38% Board Rate
Year 2: 2.38% Board Rate
Thereafter: 3.50% Board Rate
- No valuation fee
- Commitment fee 0.02% of the loan amount, subject to min $200
Cash rebate for refinancing only
Loan amount above 250K - $2,000
2 Year Fixed
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.40% Fixed
Year 2: 2.40% Fixed
Thereafter: 3M SORA + 1.00%
Legal and valuation subsidy for refinancing only
- 0.20% of loan amount, capped at $2,500
3-Month SORA
Floating interest rates
1 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 1.25%
Year 2: 3M SORA + 1.25%
Thereafter: 3M SORA + 1.25%
- One free conversion after 12 months
- Partial repayment allowed during lock in period as long as loan doesn't fall below 200K
Cash rebate for refinancing only
Private Loan amount above 450K - $2,000
Private Loan amount above 1.0M - $2,500
HDB loan amount above 300K - $2,000
