Available Home Loan Packages as of February 2026
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
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
