Available Home Loan Packages as of February 2026
2 Year Fixed
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.45% Fixed
Year 2: 1.45% Fixed
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
- Subsidy clawback period is 2 years
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
3-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.28%
Year 2: 3M SORA + 0.28%
Year 3: 3M SORA + 0.50%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
- Up to 20% 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 - $2,500
HDB loan amount above 300K - $2,000
3-Month SORA Flexi
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.28%
Year 2: 3M SORA + 0.30%
Thereafter: 3M SORA + 0.75%
- One free conversion anytime
- No penalty for partial repayment during lock in
- 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
