Available Home Loan Packages as of December 2025
2 Year Fixed Flexi (Green Mortgage)
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Only applicable to selected properties with GREEN MARK certification)
Year 1: 1.40% Fixed
Year 2: 1.40% Fixed
Year 3: 3M SORA + 0.60%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
Legal subsidy for refinancing only
Loan amount above 500K - $1,800
Valuation subsidy for refinancing only
Loan amount above 500K - $350
Loan amount above 1.0M - $500
1-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.25%
Year 2: 1M SORA + 0.25%
Year 3: 1M SORA + 0.65%
Thereafter: 1M SORA + 1.00%
- One free conversion after 12 months
Cash rebate for refinancing only
0.4% of loan amount, capped at $2,500
2 Year Fixed Plus
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.43% Fixed
Year 2: 1.43% Fixed OR 3M SORA + 0.35%
Year 3: 3M SORA + 0.40%
Thereafter: 3M SORA + 0.55%
- Can switch to floating rate at the start of Year 2
- One free conversion after lock in period
- 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 - $2,000
Private Loan amount above 1.0M - $2,500
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 + 0.28%
Year 2: 1M SORA + 0.28%
Year 3: 1M SORA + 0.50%
Thereafter: 1M SORA + 0.75%
- One free conversion after 12 months
- Up to 50% partial repayment is allowed during lock-in
- 50% waiver of penalty due to sale and refund another 50% if return with new loan of equal/greater amount within 6 months
- No need to pay bank's fire insurance for MCST property
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
