Commercial/Industrial – New Purchase

Property Information

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Loan Application

UPDATED AS OF 03 Dec 2022

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Loan Type

Loan Amount

$400,000 % of purchase price

Purchase Price

Loan % 80%

Loan Tenure 20 years

UPDATED AS OF 03 Dec 2022

Click above for historical trend

	SIBOR	COMPOUNDED SORA
1-month	3.69376	3.3321
3-month	4.06126	2.9442
6-month	NA	2.2826
12-month	NA	NA

Top Commercial/ Industrial Rates

Commercial/Industrial Loan displayed below are ranked according to interest rates. You can click on the product box to view more details or modify your search criteria on the left

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3YR FIXED

Featured Package

3.58%2 Year Average

$2,336.322 Year Average

$27,677.95

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.58%
  
  $2336.316/mth
  
  3.58%
- Year 2
  
  3.58%
  
  $2336.316/mth
  
  3.58%
- Year 3
  
  3.58%
  
  $2336.316/mth
  
  3.58%
- Year 4
  
  4.51%
  
  $2506.289/mth
  
  3M SORA + 3.00%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 2 Years Lock-in Period - 3 Years Clawback +0.2% for all tiers for investment holding n sole prop companies . - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 2YR BOARD RATE

2.37%2 Year Average

$2,094.372 Year Average

$18,238.58

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.18%
  
  $2057.809/mth
  
  BOARD RATE - 3.82%
- Year 2
  
  2.56%
  
  $2127.902/mth
  
  BOARD RATE - 3.42%
- Year 3
  
  3.88%
  
  $2369.796/mth
  
  BOARD RATE - 2.12%
- Year 4
  
  4.88%
  
  $2553.63/mth
  
  BOARD RATE - 1.02%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 2 Years Lock-in Period - 3 Years Clawback - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SF 2YR BOARD RATE- OWNER OCCUPIED

2.38%2 Year Average

$2,096.312 Year Average

$18,316.27

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.28%
  
  $2077.003/mth
  
  Board + 2.280%
- Year 2
  
  2.48%
  
  $2113.93/mth
  
  Board + 2.480%
- Year 3
  
  4.25%
  
  $2440.566/mth
  
  Board + 4.250%
- Year 4
  
  4.25%
  
  $2440.566/mth
  
  Board + 4.250%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $2,000 - 2 Years Lock-in Period - 3 Years Clawback - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SIF 3YR BOARD RATE

2.38%2 Year Average

$2,096.312 Year Average

$18,316.27

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.28%
  
  $2077.003/mth
  
  Board + 2.280%
- Year 2
  
  2.48%
  
  $2113.93/mth
  
  Board + 2.480%
- Year 3
  
  2.68%
  
  $2149.444/mth
  
  Board + 2.680%
- Year 4
  
  4.25%
  
  $2425.317/mth
  
  Board + 4.250%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $2,000 - 2 Years Lock-in Period - 3 Years Clawback - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2YR 3M SORA

2.51%2 Year Average

$2,121.562 Year Average

$19,326.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.51%
  
  $2121.561/mth
  
  3m SORA + 1.00%
- Year 2
  
  2.51%
  
  $2121.561/mth
  
  3m SORA + 1.00%
- Year 3
  
  3.51%
  
  $2303.171/mth
  
  3m SORA + 2.00%
- Year 4
  
  3.51%
  
  $2303.171/mth
  
  3m SORA + 2.00%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 2 Years Lock-in Period - 3 Years Clawback - $1,000 Facility Fees - Free Repricing after 1 year (For New Loan Only) For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2YR 3M SORA

2.71%2 Year Average

$2,160.772 Year Average

$20,883.10

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.71%
  
  $2160.771/mth
  
  3M SORA + 1.2%
- Year 2
  
  2.71%
  
  $2160.771/mth
  
  3M SORA + 1.2%
- Year 3
  
  5.51%
  
  $2697.082/mth
  
  3M SORA + 4.00%
- Year 4
  
  5.51%
  
  $2697.082/mth
  
  3M SORA + 4.00%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 2 Years Lock-in Period - 3 Years Clawback +0.2% for all tiers for investment holding n sole prop companies . - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 2YR 3M SORA

2.71%2 Year Average

$2,160.772 Year Average

$20,883.10

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.71%
  
  $2160.771/mth
  
  3M SORA + 1.20%
- Year 2
  
  2.71%
  
  $2160.771/mth
  
  3M SORA + 1.20%
- Year 3
  
  4.51%
  
  $2497.754/mth
  
  3M SORA + 3.00%
- Year 4
  
  4.51%
  
  $2497.754/mth
  
  3M SORA + 3.00%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $2,500 - 2 Years Lock-in Period - 3 Years Clawback - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 2YR 3M SORA

2.71%2 Year Average

$2,160.772 Year Average

$20,883.10

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.71%
  
  $2160.771/mth
  
  3M SORA + 1.2%
- Year 2
  
  2.71%
  
  $2160.771/mth
  
  3M SORA + 1.2%
- Year 3
  
  3.51%
  
  $2307.017/mth
  
  3M SORA + 2.00%
- Year 4
  
  3.51%
  
  $2307.017/mth
  
  3M SORA + 2.00%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy $1,800 flat - 2 Years Lock-in Period - 3 Years Clawback - $1,000 Facility Fees +0.2% for all tiers for investment holding n sole prop companies . For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3 YRS 3M SORA

2.76%2 Year Average

$2,170.642 Year Average

$21,272.54

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.76%
  
  $2170.641/mth
  
  3M SORA + 1.25%
- Year 2
  
  2.76%
  
  $2170.641/mth
  
  3M SORA + 1.25%
- Year 3
  
  2.76%
  
  $2170.641/mth
  
  3M SORA + 1.25%
- Year 4
  
  4.51%
  
  $2481.598/mth
  
  3M SORA + 3.00%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 3 Years Lock-in Period - 3 Years Clawback - Min $500,000 Loan For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR 3M SORA

3.09%2 Year Average

$2,236.462 Year Average

$23,846.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.09%
  
  $2236.455/mth
  
  3m SORA + 1.58%
- Year 2
  
  3.09%
  
  $2236.455/mth
  
  3m SORA + 3.18%
- Year 3
  
  6.13%
  
  $2833.636/mth
  
  3m SORA + 4.62%
- Year 4
  
  6.13%
  
  $2833.636/mth
  
  3m SORA + 4.62%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 2 Years Lock-in Period - 3 Years Clawback - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2YR FIXED

3.28%2 Year Average

$2,274.872 Year Average

$25,330.52

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.28%
  
  $2274.875/mth
  
  3.28
- Year 2
  
  3.28%
  
  $2274.875/mth
  
  3.28
- Year 3
  
  4.51%
  
  $2509.321/mth
  
  3M SORA + 3.00%
- Year 4
  
  4.51%
  
  $2509.321/mth
  
  3M SORA + 3.00%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 2 Years Lock-in Period - 3 Years Clawback +0.2% for all tiers for investment holding n sole prop companies . - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 5YR FIXED

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  3.88%
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  3.88%
- Year 3
  
  3.88%
  
  $2398.703/mth
  
  3.88%
- Year 4
  
  3.88%
  
  $2398.703/mth
  
  3.88%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 2 Years Lock-in Period - 3 Years Clawback +0.2% for all tiers for investment holding n sole prop companies . - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2YR FIXED

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  3.88%
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  3.88%
- Year 3
  
  2.76%
  
  $2189.949/mth
  
  3m SORA + 2.000%
- Year 4
  
  2.76%
  
  $2189.949/mth
  
  3m SORA + 2.000%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 2 Years Lock-in Period - 3 Years Clawback - $1,000 Facility Fees - Free Repricing after 1 year (For New Loan Only) For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 2YRS FIXED

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  3.88%
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  3.88%
- Year 3
  
  6.39%
  
  $2906.188/mth
  
  3M SORA + 4.88%
- Year 4
  
  6.39%
  
  $2906.188/mth
  
  3M SORA + 4.88%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy $1,800 flat - 2 Years Lock-in Period - 3 Years Clawback - $1,000 Facility Fees +0.2% for all tiers for investment holding n sole prop companies . For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 5YR FIXED

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  3.88
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  3.88
- Year 3
  
  3.88%
  
  $2398.703/mth
  
  3.88
- Year 4
  
  3.88%
  
  $2398.703/mth
  
  3.88

Features

Subsidy Comment	- Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 5 Years Lock-in Period - 5 Years Clawback +0.2% for all tiers for investment holding n sole prop companies . - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

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