Available Home Loan Packages as of December 2025
3 Year Fixed (Green Mortgage)
Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
(Only applicable to selected properties with GREEN MARK certification)
Year 1: 1.50% Fixed
Year 2: 1.50% Fixed
Year 3: 1.55% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
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
2 Year Fixed
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.50% Fixed
Year 2: 1.50% Fixed
Year 3: 3M SORA + 0.50%
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
2 Year Fixed
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.50% Fixed
Year 2: 1.50% Fixed
Year 3: 3M SORA + 0.50%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- 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
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
