Available Home Loan Packages as of May 2024
4 Year Fixed
Fixed interest rates
4 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Year 3: 3.75% Fixed
Year 4: 3.75% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
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
HDB loan amount above 250K - $2,000
5 Year Fixed
Fixed interest rates
5 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Year 3: 3.75% Fixed
Year 4: 3.75% Fixed
Year 5: 3.75% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after 36 months
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
HDB loan amount above 250K - $2,000
2 Year Fixed (Flexi)
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
- 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
- Clawback period is 2 years for all the above subsidies
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 + 0.48%
Year 3: 1M SORA + 0.58%
Thereafter: 1M SORA + 1.00%
- 100% Waiver of penalty due to sale
- Partial repayment allowed (up to 30% of initial loan amount)
- One time free conversion that can be exercised anytime
- Smart mortgage (up to 70% interest offset)
- Must fund 200K before loan disbursement
Cash rebate For refinancing only
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500
