Available Home Loan Packages as of May 2026
2 Year Fixed
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.60% Fixed
Year 2: 1.60% Fixed
Year 3: 3M SORA + 0.65%
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
2 Year Fixed (Citigold)
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.60% Fixed
Year 2: 1.60% Fixed
Thereafter: 1M SORA + 0.85%
Legal and valuation subsidy for refinancing only
- 0.40% of loan amount, capped at $2,500
2 Year Fixed
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.65% Fixed
Year 2: 1.65% 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
2 Year Fixed Flexi
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.68% Fixed
Year 2: 1.68% Fixed
Year 3: 3M SORA + 0.50%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
- 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 250K - $2,000
