Available Home Loan Packages as of October 2025
1 Year Fixed
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.65% Fixed
Year 2: 1M SORA + 0.50%
Year 3: 1M SORA + 0.60%
Year 4: 1M SORA + 0.70%
Thereafter: 1M SORA + 0.80%
- One free conversion after 12 months
- Partial prepayment up to 50% of original loan amount after 12 months
Legal and valuation subsidy for refinancing only
Loan amount above 500K - $2,000
1-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.35%
Year 2: 1M SORA + 0.35%
Thereafter: 1M SORA + 1.00%
- One free conversion after 12 months
- Up to 50% partial payment is allowed during lock-in
Legal and valuation subsidy for refinancing only
- 0.4% of loan amount, capped at $2,500
3 Year Fixed
Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.68% Fixed
Year 2: 1.68% Fixed
Year 3: 1.68% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- Waiver of penalty due to sale
Cash rebate for refinancing only
Private loan amount above 500K - $2,300
Private loan amount above 1.0M - $3,000
Private loan amount above 1.5M - $3,400
HDB loan amount above 250K - $2,000
HDB loan amount above 300K - $2,100
3 Year Fixed Flexi
Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.68% Fixed
Year 2: 1.68% Fixed
Year 3: 1.68% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
- Up to 10% partial repayment is allowed 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 - $2,000
Private Loan amount above 1.0M - $3,000
Private Loan amount above 1.5M - $3,400
HDB loan amount above 300K - $2,100
