Commercial/Industrial – New Purchase

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UPDATED AS OF 31 Mar 2023

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Loan Type

Loan Amount

$400,000 % of purchase price

Purchase Price

Loan % 80%

Loan Tenure 20 years

UPDATED AS OF 31 Mar 2023

Click above for historical trend

	SIBOR	COMPOUNDED SORA
1-month	4.09857	3.6828
3-month	4.1875	3.542
6-month	NA	3.3275
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

UOB 3M SORA 2 Years Lock In Period

Featured Package

4.12%2 Year Average

$2,449.292 Year Average

$31,914.28

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.07%
  
  $2438.701/mth
  
  Year 1 3M SORA + 0.88%
- Year 2
  
  4.17%
  
  $2458.998/mth
  
  Year 2 3M SORA + 1%
- Year 3
  
  5.17%
  
  $2657.62/mth
  
  Year 3 3M SORA + 2%
- Year 4
  
  5.17%
  
  $2657.62/mth
  
  Year 4 3M SORA + 2%

Features

Subsidy Comment	LOAN APPROVAL BY 28 Feb and disbursement by 31 May 2023 - Valuation subsidy: Up to $500 (loan quantum<2mil) - Valuation subsidy: Up to $1000 (loan quantum>2mil) - Legal fee subsidy of 0.40% of loan capped at $3,000 +0.2% for all tiers for investment holding 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

Singapura Finance Board 3 Years Lock In Period

4.13%2 Year Average

$2,451.412 Year Average

$31,992.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.03%
  
  $2430.249/mth
  
  Year 1 Board + 4.030%
- Year 2
  
  4.23%
  
  $2470.856/mth
  
  Year 2 Board + 4.230%
- Year 3
  
  4.43%
  
  $2509.994/mth
  
  Year 3 Board + 4.430%
- Year 4
  
  5.50%
  
  $2714.844/mth
  
  Year 4 Board + 5.500%

Features

Subsidy Comment	- Owners Occupation 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

Singapura Finance Board 2 Years Lock In Period

4.13%2 Year Average

$2,451.412 Year Average

$31,992.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.03%
  
  $2430.249/mth
  
  Year 1 Board + 4.030%
- Year 2
  
  4.23%
  
  $2470.856/mth
  
  Year 2 Board + 4.230%
- Year 3
  
  5.50%
  
  $2725.251/mth
  
  Year 3 Board + 5.500%
- Year 4
  
  5.50%
  
  $2725.251/mth
  
  Year 4 Board + 5.500%

Features

Subsidy Comment	- Owners Occupation 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

Singapura Finance Board 3 Years Lock In Period

4.33%2 Year Average

$2,494.042 Year Average

$33,565.38

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.23%
  
  $2472.673/mth
  
  Year 1 Board + 4.230%
- Year 2
  
  4.43%
  
  $2513.69/mth
  
  Year 2 Board + 4.430%
- Year 3
  
  4.63%
  
  $2553.235/mth
  
  Year 3 Board + 4.630%
- Year 4
  
  5.50%
  
  $2720.851/mth
  
  Year 4 Board + 5.500%

Features

Subsidy Comment	- Investment Purpose 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

Singapura Finance Board 2 Years Lock In Period

4.33%2 Year Average

$2,494.042 Year Average

$33,565.38

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.23%
  
  $2472.673/mth
  
  Year 1 Board + 4.230%
- Year 2
  
  4.43%
  
  $2513.69/mth
  
  Year 2 Board + 4.430%
- Year 3
  
  5.50%
  
  $2729.264/mth
  
  Year 3 Board + 5.500%
- Year 4
  
  5.50%
  
  $2729.264/mth
  
  Year 4 Board + 5.500%

Features

Subsidy Comment	- Investment Purpose 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 3M SORA 2 Years Lock In Period

4.43%2 Year Average

$2,515.512 Year Average

$34,352.30

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.43%
  
  $2515.508/mth
  
  Year 1 3M SORA + 1.200%
- Year 2
  
  4.43%
  
  $2515.508/mth
  
  Year 2 3M SORA + 1.200%
- Year 3
  
  5.73%
  
  $2778.882/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.73%
  
  $2778.882/mth
  
  Year 4 3M SORA + 2.500%

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 - $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

Standard Chartered 3M SORA 2 Years Lock In Period

4.58%2 Year Average

$2,547.902 Year Average

$35,533.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.54%
  
  $2539.242/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  4.62%
  
  $2555.857/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  5.62%
  
  $2759.022/mth
  
  Year 3 3M SORA + 2.080%
- Year 4
  
  5.62%
  
  $2759.022/mth
  
  Year 4 3M SORA + 2.080%

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 - $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 Fixed 3 Years Lock In Period

4.58%2 Year Average

$2,547.902 Year Average

$35,533.51

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.58%
  
  $2547.903/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.58%
  
  $2547.903/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.58%
  
  $2547.903/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.54%
  
  $2933.639/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 31 Mar and disbursement by 30 June 2023 + 0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3000 - Valuation subsidy: $500 flat - Processing Fee: $1000 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 3M SORA 1 Year Lock In Period

4.61%2 Year Average

$2,554.412 Year Average

$35,769.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.51%
  
  $2532.757/mth
  
  Year 1 3M SORA + 1.280%
- Year 2
  
  4.71%
  
  $2574.346/mth
  
  Year 2 3M SORA + 1.480%
- Year 3
  
  6.23%
  
  $2887.721/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.23%
  
  $2887.721/mth
  
  Year 4 3M SORA + 3.000%

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 - $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

Sing Investments & Finance Ltd 1M SORA 2 Years Lock In Period

4.68%2 Year Average

$2,569.632 Year Average

$36,321.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.68%
  
  $2569.627/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.68%
  
  $2569.627/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.68%
  
  $2985.658/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  7.68%
  
  $3186.431/mth
  
  Year 4 1M SORA + 4.000%

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 - $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 1M SORA 2 Years Lock In Period

4.68%2 Year Average

$2,569.632 Year Average

$36,321.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.68%
  
  $2569.627/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.68%
  
  $2569.627/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.68%
  
  $2985.658/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.68%
  
  $2985.658/mth
  
  Year 4 1M SORA + 3.000%

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 - $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

RHB 3M SORA 3 Years Lock In Period

4.69%2 Year Average

$2,571.812 Year Average

$36,400.33

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.64%
  
  $2560.926/mth
  
  Year 1 3M SORA + 1.100%
- Year 2
  
  4.74%
  
  $2581.805/mth
  
  Year 2 3M SORA + 1.200%
- Year 3
  
  4.94%
  
  $2621.991/mth
  
  Year 3 3M SORA + 1.400%
- Year 4
  
  6.04%
  
  $2838.361/mth
  
  Year 4 3M SORA + 2.500%

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 - $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 3M SORA 2 Years Lock In Period

4.74%2 Year Average

$2,582.712 Year Average

$36,794.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.74%
  
  $2582.71/mth
  
  Year 1 3M SORA + 1.200%
- Year 2
  
  4.74%
  
  $2582.71/mth
  
  Year 2 3M SORA + 1.200%
- Year 3
  
  6.54%
  
  $2956.71/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.54%
  
  $2956.71/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 31 Mar and disbursement by 30 June 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3000 - Valuation subsidy: $500 flat - Processing Fee: $1000 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 Fixed 5 Years Lock In Period

4.78%2 Year Average

$2,591.452 Year Average

$37,109.94

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.78%
  
  $2591.453/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.78%
  
  $2591.453/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.78%
  
  $2591.453/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.78%
  
  $2591.453/mth
  
  Year 4 Fixed Rate

Features

Subsidy Comment	LOAN APPROVAL BY 31 Mar and disbursement by 30 June 2023 + 0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3000 - Valuation subsidy: $500 flat - Processing Fee: $1000 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 1M SORA 3 Years Lock In Period

4.83%2 Year Average

$2,602.402 Year Average

$37,504.30

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.78%
  
  $2591.453/mth
  
  Year 1 1M SORA + 1.100%
- Year 2
  
  4.88%
  
  $2612.474/mth
  
  Year 2 1M SORA + 1.200%
- Year 3
  
  5.08%
  
  $2652.941/mth
  
  Year 3 1M SORA + 1.400%
- Year 4
  
  6.18%
  
  $2870.829/mth
  
  Year 4 1M SORA + 2.500%

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 - $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

Hong Leong Finance 3M SORA 2 Years Lock In Period

4.84%2 Year Average

$2,604.602 Year Average

$37,583.18

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.84%
  
  $2604.596/mth
  
  Year 1 3M SORA + 1.300%
- Year 2
  
  4.84%
  
  $2604.596/mth
  
  Year 2 3M SORA + 1.300%
- Year 3
  
  6.29%
  
  $2905.191/mth
  
  Year 3 3M SORA + 2.750%
- Year 4
  
  6.29%
  
  $2905.191/mth
  
  Year 4 3M SORA + 2.750%

Features

Subsidy Comment	- Interest commence 3months from Letter of Offer - Annual Fee: $100 - $200 - Processing Fee: $500 - $1,000 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 Fixed 2 Years Lock In Period

4.88%2 Year Average

$2,613.382 Year Average

$37,898.77

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.88%
  
  $2613.379/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.88%
  
  $2613.379/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.54%
  
  $2959.614/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.54%
  
  $2959.614/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 31 Mar and disbursement by 30 June 2023 + 0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3000 - Valuation subsidy: $500 flat - Processing Fee: $1000 - 3 Years Clawback for subsidies 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

Hong Leong Finance 3M SORA 2 Years Lock In Period

4.94%2 Year Average

$2,626.582 Year Average

$38,372.27

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.94%
  
  $2626.583/mth
  
  Year 1 3M SORA + 1.400%
- Year 2
  
  4.94%
  
  $2626.583/mth
  
  Year 2 3M SORA + 1.400%
- Year 3
  
  6.39%
  
  $2928.608/mth
  
  Year 3 3M SORA + 2.850%
- Year 4
  
  6.39%
  
  $2928.608/mth
  
  Year 4 3M SORA + 2.850%

Features

Subsidy Comment	- Interest commence 3months from Letter of Offer - Annual Fee: $100 - $200 - Processing Fee: $500 - $1,000 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 3 Years Fixed Lock In Period

4.98%2 Year Average

$2,635.412 Year Average

$38,688.01

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.98%
  
  $2635.406/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.98%
  
  $2635.406/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.98%
  
  $2635.406/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.68%
  
  $2974.97/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	- Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 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 2 Years Fixed Lock In Period

4.98%2 Year Average

$2,635.412 Year Average

$38,688.01

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.98%
  
  $2635.406/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.98%
  
  $2635.406/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.68%
  
  $2991.936/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.68%
  
  $2991.936/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	- Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 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 Fixed 2 Years Lock In Period

4.98%2 Year Average

$2,635.412 Year Average

$38,688.01

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.98%
  
  $2635.406/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.98%
  
  $2635.406/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.04%
  
  $2854.885/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.04%
  
  $2854.885/mth
  
  Year 4 3M SORA + 2.500%

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 - $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

Standard Chartered Fixed 2 Years Lock In Period

5%2 Year Average

$2,639.822 Year Average

$38,845.92

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.88%
  
  $2613.379/mth
  
  Year 1 Fixed Rate
- Year 2
  
  5.12%
  
  $2664.227/mth
  
  Year 2 3M SORA + 1.580%
- Year 3
  
  5.62%
  
  $2767.182/mth
  
  Year 3 3M SORA + 2.080%
- Year 4
  
  5.62%
  
  $2767.182/mth
  
  Year 4 3M SORA + 2.080%

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 - $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 3M SORA 2 Years Lock In Period

5.22%2 Year Average

$2,688.682 Year Average

$40,583.84

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.22%
  
  $2688.677/mth
  
  Year 1 3M SORA + 1.680%
- Year 2
  
  5.22%
  
  $2688.677/mth
  
  Year 2 3M SORA + 1.680%
- Year 3
  
  7.14%
  
  $3097.574/mth
  
  Year 3 3M SORA + 3.600%
- Year 4
  
  7.14%
  
  $3097.574/mth
  
  Year 4 3M SORA + 3.600%

Features

Subsidy Comment	- Facility Fee: - $1,000 for Loan < $2m - 0.10% x Loan Amount > $2m - Refinancing Only - Valuation Subsidy $500 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

Standard Chartered Fixed 2 Years Lock In Period

5.25%2 Year Average

$2,695.382 Year Average

$40,820.97

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.18%
  
  $2679.759/mth
  
  Year 1 Fixed Rate
- Year 2
  
  5.32%
  
  $2709.776/mth
  
  Year 2 3M SORA + 1.780%
- Year 3
  
  6.12%
  
  $2877.151/mth
  
  Year 3 3M SORA + 2.580%
- Year 4
  
  6.12%
  
  $2877.151/mth
  
  Year 4 3M SORA + 2.580%

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 - $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

Standard Chartered 3M SORA 2 Years Lock In Period

5.28%2 Year Average

$2,702.082 Year Average

$41,058.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.24%
  
  $2693.143/mth
  
  Year 1 3M SORA + 1.700%
- Year 2
  
  5.32%
  
  $2710.321/mth
  
  Year 2 3M SORA + 1.780%
- Year 3
  
  6.12%
  
  $2877.729/mth
  
  Year 3 3M SORA + 2.580%
- Year 4
  
  6.12%
  
  $2877.729/mth
  
  Year 4 3M SORA + 2.580%

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 - $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 3M SORA 2 Years Lock In Period

5.29%2 Year Average

$2,704.322 Year Average

$41,137.22

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.29%
  
  $2704.323/mth
  
  Year 1 3M SORA + 1.750%
- Year 2
  
  5.29%
  
  $2704.323/mth
  
  Year 2 3M SORA + 1.750%
- Year 3
  
  7.14%
  
  $3099.039/mth
  
  Year 3 3M SORA + 3.600%
- Year 4
  
  7.14%
  
  $3099.039/mth
  
  Year 4 3M SORA + 3.600%

Features

Subsidy Comment	- Facility Fee: - $1,000 for Loan < $2m - 0.10% x Loan Amount > $2m - Refinancing Only - Valuation Subsidy $500 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 Fixed 2 Years Lock In Period

5.5%2 Year Average

$2,751.552 Year Average

$42,798.46

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.50%
  
  $2751.549/mth
  
  Year 1 Fixed Rate
- Year 2
  
  5.50%
  
  $2751.549/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.04%
  
  $2864.946/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.04%
  
  $2864.946/mth
  
  Year 4 3M SORA + 2.500%

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 - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Commercial/Industrial – New Purchase

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Business Term Loan

Loan Amount

Loan Tenure

Overview

Repayment Summary

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