Available Home Loan Packages as of November 2024
1-Month SORA (With 200K Deposit)
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Must fund 200K before loan disbursement)
Year 1: 1M SORA + 0.45%
Year 2: 1M SORA + 0.45%
Year 3: 1M SORA + 0.45%
Thereafter: 1M SORA + 1.00%
- 50% 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)
Cash rebate For refinancing only
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500
Loan amount below 500K - $1,000
1-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.50%
Year 2: 1M SORA + 0.50%
Year 3: 1M SORA + 0.50%
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)
Cash rebate For refinancing only
Loan amount below 500K - $1,000
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500
3-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.30%
Year 2: 3M SORA + 0.30%
Thereafter: 3M SORA + 1.00%
- 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 + 0.55%
Year 2: 1M SORA + 0.60%
Year 3: 1M SORA + 1.10%
Thereafter: 1M SORA + 1.10%
- 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
