Commercial/Industrial – Refinancing

	SIBOR	SOR	SORA
1-month	0.25	0.12662	0.1162
3-month	0.40547	0.18257	0.1147
6-month	0.593	0.18252	0.105
12-month	0.812	NA	NA

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SCB 2YR 3M SIBOR For Own Business Use

0.99%2 Year Average

$2,297.242 Year Average

$86,921.07

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  0.99%
  
  $2297.242/mth
  
  3M SIBOR + 0.580%
- Year 2
  
  0.99%
  
  $2297.242/mth
  
  3M SIBOR + 0.580%
- Year 3
  
  1.79%
  
  $2461.978/mth
  
  3M SIBOR + 1.380%
- Year 4
  
  1.79%
  
  $2461.978/mth
  
  3M SIBOR + 1.380%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: Up to $500 - For own business use.

Details

For Own Business Use

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

MAYBANK 2YR 3M SIBOR

1.21%2 Year Average

$2,346.622 Year Average

$156,297.41

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.21%
  
  $2346.619/mth
  
  3M SIBOR + 0.800%
- Year 2
  
  1.21%
  
  $2346.619/mth
  
  3M SIBOR + 0.800%
- Year 3
  
  3.21%
  
  $2777.678/mth
  
  3M SIBOR + 2.800%
- Year 4
  
  3.21%
  
  $2777.678/mth
  
  3M SIBOR + 2.800%

Features

Subsidy Comment	- Processing fee: $1,000 - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 + GST

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

DBS 2YR 3M SORA

1.3%2 Year Average

$2,367.012 Year Average

$201,820.12

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.30%
  
  $2367.012/mth
  
  3m SORA + 1.200%
- Year 2
  
  1.30%
  
  $2367.012/mth
  
  3m SORA + 1.200%
- Year 3
  
  4.10%
  
  $2986.166/mth
  
  3m SORA + 4.000%
- Year 4
  
  4.10%
  
  $2986.166/mth
  
  3m SORA + 4.000%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation Subsidy: $500 - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

OCBC 3YR BOARD For Owners' Occupation

1.375%2 Year Average

$2,384.092 Year Average

$281,243.85

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.25%
  
  $2355.669/mth
- Year 2
  
  1.50%
  
  $2409.985/mth
  
  Board + 1.500%
- Year 3
  
  1.90%
  
  $2494.047/mth
  
  Board + 1.900%
- Year 4
  
  6.00%
  
  $3402.586/mth
  
  Board + 6.000%

Features

Subsidy Comment	- Facility Fee: $1,600 - Owners Occupied - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

For Owners' Occupation

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

OCBC 2YR BOARD For Owner's Occupation

1.4%2 Year Average

$2,389.802 Year Average

$283,069.24

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.40%
  
  $2389.8/mth
- Year 2
  
  1.40%
  
  $2389.8/mth
  
  Board + 1.400%
- Year 3
  
  3.38%
  
  $2821.273/mth
  
  Board + 3.380%
- Year 4
  
  6.00%
  
  $3391.464/mth
  
  Board + 6.000%

Features

Subsidy Comment	- Facility Fee: $1,600 - Owners Occupied - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

For Owner's Occupation

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

UOB 2YR 3M SIBOR

1.44%2 Year Average

$2,398.952 Year Average

$164,228.35

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.44%
  
  $2398.955/mth
- Year 2
  
  1.44%
  
  $2398.955/mth
  
  3M SIBOR + 1.00%
- Year 3
  
  3.32%
  
  $2808.581/mth
  
  3M SIBOR + 2.88%
- Year 4
  
  3.32%
  
  $2808.581/mth
  
  3M SIBOR + 2.88%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 - Processing Fee $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

UOB 3YR 3M SIBOR

1.44%2 Year Average

$2,398.952 Year Average

$156,764.01

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.44%
  
  $2398.955/mth
  
  3M SIBOR + 1.00%
- Year 2
  
  1.44%
  
  $2398.955/mth
  
  3M SIBOR + 1.00%
- Year 3
  
  2.32%
  
  $2585.782/mth
  
  3M SIBOR + 1.88%
- Year 4
  
  3.32%
  
  $2785.097/mth
  
  3M SIBOR + 2.88%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 - Processing Fee $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

DBS 2YR FIXED

1.5%2 Year Average

$2,412.732 Year Average

$220,068.27

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.50%
  
  $2412.727/mth
- Year 2
  
  1.50%
  
  $2412.727/mth
- Year 3
  
  4.41%
  
  $3065.569/mth
  
  3M SIBOR + 4.000%
- Year 4
  
  4.41%
  
  $3065.569/mth
  
  3M SIBOR + 4.000%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

OCBC 2YR FIXED For Owners' Occupation

1.55%2 Year Average

$2,424.242 Year Average

$284,882.50

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.55%
  
  $2424.242/mth
- Year 2
  
  1.55%
  
  $2424.242/mth
- Year 3
  
  3.38%
  
  $2825.109/mth
  
  Board + 3.380%
- Year 4
  
  6.00%
  
  $3396.075/mth
  
  Board + 6.000%

Features

Subsidy Comment	- Facility Fee: $1,600 - Owners Occupied - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

For Owners' Occupation

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

RHB 2YR BOARD Min 600K Loan

1.55%2 Year Average

$2,424.242 Year Average

$124,312.06

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.55%
  
  $2424.242/mth
- Year 2
  
  1.55%
  
  $2424.242/mth
  
  Board + 1.550%
- Year 3
  
  2.30%
  
  $2584.009/mth
  
  Board + 2.300%
- Year 4
  
  2.50%
  
  $2623.148/mth
  
  Board + 2.500%

Features

Subsidy Comment	- 1 x Free Conversion if Board Rate Increase - Min $600k Loan - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

RHB 3YR BOARD Min 600K Loan

1.58%2 Year Average

$2,431.172 Year Average

$121,547.06

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.58%
  
  $2431.167/mth
- Year 2
  
  1.58%
  
  $2431.167/mth
  
  Board + 1.580%
- Year 3
  
  1.58%
  
  $2431.167/mth
  
  Board + 1.580%
- Year 4
  
  2.50%
  
  $2617.77/mth
  
  Board + 2.500%

Features

Subsidy Comment	- 1 x Free Conversion if Board Rate Increase - Min $600k Loan - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SCB 2YR FIXED

1.58%2 Year Average

$2,431.172 Year Average

$70,479.13

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.58%
  
  $2431.167/mth
- Year 2
  
  1.58%
  
  $2431.167/mth
- Year 3
  
  1.29%
  
  $2370.977/mth
  
  3M SIBOR + 0.880%
- Year 4
  
  1.29%
  
  $2370.977/mth
  
  3M SIBOR + 0.880%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

MAYBANK 3YR FIXED

1.58%2 Year Average

$2,431.172 Year Average

$222,653.81

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.58%
  
  $2431.167/mth
- Year 2
  
  1.58%
  
  $2431.167/mth
- Year 3
  
  1.98%
  
  $2515.747/mth
- Year 4
  
  4.88%
  
  $3108.416/mth
  
  Board + 4.880%

Features

Subsidy Comment	- Valuation Subsidy: Capped @ $500 + GST - Processing Fee: $1,000 - Legal subsidy: 0.4% capped at $3,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

MAYBANK 2YR BOARD

1.6%2 Year Average

$2,435.792 Year Average

$227,766.39

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.60%
  
  $2435.791/mth
  
  Board + 1.600%
- Year 2
  
  1.60%
  
  $2435.791/mth
  
  Board + 1.600%
- Year 3
  
  2.58%
  
  $2646.463/mth
  
  Board + 2.580%
- Year 4
  
  4.88%
  
  $3125.244/mth
  
  Board + 4.880%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 + GST - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SCB 2YR FDR36 For Own Business Use

1.63%2 Year Average

$2,442.742 Year Average

$126,516.10

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.26%
  
  $2357.934/mth
- Year 2
  
  2.00%
  
  $2521.07/mth
  
  FDR36(SCB) + 1.280%
- Year 3
  
  2.50%
  
  $2629.482/mth
  
  FDR36(SCB) + 1.780%
- Year 4
  
  2.50%
  
  $2629.482/mth
  
  FDR36(SCB) + 1.780%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: Up to $500 - For own business use.

Details

For Own Business Use

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

RHB 2YR BOARD Min 600k Loan Home Plus Saving Acc

1.65%2 Year Average

$2,447.372 Year Average

$125,375.77

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.65%
  
  $2447.374/mth
  
  Board + 1.650%
- Year 2
  
  1.65%
  
  $2447.374/mth
  
  Board + 1.650%
- Year 3
  
  2.30%
  
  $2586.33/mth
  
  Board + 2.300%
- Year 4
  
  2.50%
  
  $2625.504/mth
  
  Board + 2.500%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 - 1 x Free Conversion if Board Rate Increase - Home Plus Saving Account - 1% interest for first $5m deposits - Min $600k Loan

Details

Home Plus Saving Acc

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

DBS 3YR FIXED

1.68%2 Year Average

$2,454.342 Year Average

$204,470.50

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.68%
  
  $2454.341/mth
- Year 2
  
  1.68%
  
  $2454.341/mth
- Year 3
  
  1.98%
  
  $2518.002/mth
- Year 4
  
  4.44%
  
  $3016.423/mth
  
  3M SIBOR + 4.000%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

RHB 3YR BOARD Min 600K Loan Home Plus Savings Acc

1.68%2 Year Average

$2,454.342 Year Average

$121,900.42

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.68%
  
  $2454.341/mth
  
  Board + 1.680%
- Year 2
  
  1.68%
  
  $2454.341/mth
  
  Board + 1.680%
- Year 3
  
  1.78%
  
  $2475.448/mth
  
  Board + 1.780%
- Year 4
  
  2.50%
  
  $2614.171/mth
  
  Board + 2.500%

Features

Subsidy Comment	- 1 x Free Conversion if Board Rate Increase - Home Plus Saving Account - 1% interest for first $5m deposits - Min $600k Loan - Valuation Subsidy of $500 - Legal subsidy: 0.4% capped at $3,000

Details

Home Plus Savings Acc

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SCB 2YR 3M SIBOR

1.69%2 Year Average

$2,456.672 Year Average

$112,653.68

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.69%
  
  $2456.666/mth
- Year 2
  
  1.69%
  
  $2456.666/mth
  
  3M SIBOR + 1.280%
- Year 3
  
  2.19%
  
  $2563.397/mth
  
  3M SIBOR + 1.780%
- Year 4
  
  2.19%
  
  $2563.397/mth
  
  3M SIBOR + 1.780%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

OCBC 3YR BOARD For Investment Purposes

1.775%2 Year Average

$2,476.482 Year Average

$288,327.72

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.65%
  
  $2447.374/mth
  
  Board + 1.650%
- Year 2
  
  1.90%
  
  $2503.038/mth
  
  Board + 1.900%
- Year 3
  
  2.30%
  
  $2589.208/mth
  
  Board + 2.300%
- Year 4
  
  6.00%
  
  $3420.844/mth
  
  Board + 6.000%

Features

Subsidy Comment	- Facility Fee: $1,600 - Investment - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

For Investment Purposes

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

MAYBANK 2YR FIXED

1.78%2 Year Average

$2,477.652 Year Average

$228,223.76

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.78%
  
  $2477.652/mth
- Year 2
  
  1.78%
  
  $2477.652/mth
- Year 3
  
  2.38%
  
  $2606.777/mth
  
  Board + 2.380%
- Year 4
  
  4.88%
  
  $3124.896/mth
  
  Board + 4.880%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 + GST - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

OCBC 2YR BOARD For Investment Purposes

1.8%2 Year Average

$2,482.332 Year Average

$291,232.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.80%
  
  $2482.33/mth
- Year 2
  
  1.80%
  
  $2482.33/mth
  
  Board + 1.800%
- Year 3
  
  3.78%
  
  $2924.186/mth
  
  Board + 3.780%
- Year 4
  
  6.00%
  
  $3414.542/mth
  
  Board + 6.000%

Features

Subsidy Comment	- Facility Fee: $1,600 - Investment - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

For Investment Purposes

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

RHB 3YR BOARD

1.83%2 Year Average

$2,489.362 Year Average

$126,657.71

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.78%
  
  $2477.652/mth
- Year 2
  
  1.88%
  
  $2499.999/mth
  
  Board + 1.880%
- Year 3
  
  2.08%
  
  $2542.835/mth
  
  Board + 2.080%
- Year 4
  
  2.50%
  
  $2629.47/mth
  
  Board + 2.500%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

DBS 2YR BOARD

1.85%2 Year Average

$2,494.052 Year Average

$337,818.70

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.85%
  
  $2494.051/mth
- Year 2
  
  1.85%
  
  $2494.051/mth
  
  Board + 1.850%
- Year 3
  
  6.50%
  
  $3601.674/mth
  
  Board + 6.500%
- Year 4
  
  6.50%
  
  $3601.674/mth
  
  Board + 6.500%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

UOB 2YR FIXED

1.85%2 Year Average

$2,494.052 Year Average

$303,399.79

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.85%
  
  $2494.051/mth
- Year 2
  
  1.85%
  
  $2494.051/mth
- Year 3
  
  3.75%
  
  $2918.457/mth
  
  Board - 2.50%
- Year 4
  
  6.25%
  
  $3473.143/mth
  
  Board - 0.00%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 - Processing Fee $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

UOB 3YR FIXED

1.85%2 Year Average

$2,494.052 Year Average

$307,154.10

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.85%
  
  $2494.051/mth
- Year 2
  
  1.85%
  
  $2494.051/mth
- Year 3
  
  4.20%
  
  $3024.795/mth
  
  Board - 2.05%
- Year 4
  
  6.25%
  
  $3485.291/mth
  
  Board - 0.00%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 - Processing Fee $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

RHB 2YR BOARD

1.9%2 Year Average

$2,505.812 Year Average

$128,035.71

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.90%
  
  $2505.805/mth
- Year 2
  
  1.90%
  
  $2505.805/mth
  
  Board + 1.900%
- Year 3
  
  2.30%
  
  $2592.071/mth
  
  Board + 2.300%
- Year 4
  
  2.50%
  
  $2631.331/mth
  
  Board + 2.500%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 - Processing Fee: $800

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SCB 2YR FDR36

2.1%2 Year Average

$2,553.162 Year Average

$112,759.49

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.10%
  
  $2553.165/mth
- Year 2
  
  2.10%
  
  $2553.165/mth
  
  FDR36(SCB) + 1.380%
- Year 3
  
  2.10%
  
  $2553.165/mth
  
  FDR36(SCB) + 1.380%
- Year 4
  
  2.10%
  
  $2553.165/mth
  
  FDR36(SCB) + 1.380%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

HONG LEONG FINANCE 3YR BOARD

2.15%2 Year Average

$2,565.092 Year Average

$229,536.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.10%
  
  $2553.165/mth
- Year 2
  
  2.20%
  
  $2575.941/mth
  
  Board + 2.200%
- Year 3
  
  3.10%
  
  $2776.018/mth
  
  Board + 3.100%
- Year 4
  
  4.60%
  
  $3111.154/mth
  
  Board + 4.600%

Features

Subsidy Comment	- Interest commence 3months from Letter of Offer - Annual Fee $400 - Commitment Fee $2,000 - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

CIMB 2YR 1M SIBOR

2.2%2 Year Average

$2,577.052 Year Average

$132,685.71

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.20%
  
  $2577.048/mth
  
  1M SIBOR + 1.950%
- Year 2
  
  2.20%
  
  $2577.048/mth
  
  1M SIBOR + 1.950%
- Year 3
  
  2.50%
  
  $2642.762/mth
  
  1M SIBOR + 2.250%
- Year 4
  
  2.50%
  
  $2642.762/mth
  
  1M SIBOR + 2.250%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SINGAPURA FINANCE 3YR BOARD For Owners' Occupation

2.28%2 Year Average

$2,596.252 Year Average

$189,500.25

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.18%
  
  $2572.261/mth
- Year 2
  
  2.38%
  
  $2618.152/mth
  
  Board + 2.380%
- Year 3
  
  2.68%
  
  $2684.517/mth
  
  Board + 2.680%
- Year 4
  
  3.75%
  
  $2916.672/mth
  
  Board + 3.750%

Features

Subsidy Comment	- Owners Occupation - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

For Owners' Occupation

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

UOB 3YR BOARD

2.3%2 Year Average

$2,601.072 Year Average

$302,500.00

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.30%
  
  $2601.068/mth
  
  Board - 3.95%
- Year 2
  
  2.30%
  
  $2601.068/mth
  
  Board - 3.95%
- Year 3
  
  3.00%
  
  $2756.886/mth
  
  Board - 3.25%
- Year 4
  
  6.25%
  
  $3465.646/mth
  
  Board - 0.00%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 - Processing Fee $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

MAYBANK 1YR FIXED

2.33%2 Year Average

$2,608.302 Year Average

$254,415.10

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.28%
  
  $2596.253/mth
- Year 2
  
  2.38%
  
  $2619.271/mth
  
  Board + 2.380%
- Year 3
  
  4.88%
  
  $3202.911/mth
  
  Board + 4.880%
- Year 4
  
  4.88%
  
  $3202.911/mth
  
  Board + 4.880%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 + GST - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SINGAPURA FINANCE 2YR BOARD For Owner's Occupation

2.33%2 Year Average

$2,608.302 Year Average

$195,577.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.18%
  
  $2572.261/mth
- Year 2
  
  2.48%
  
  $2641.283/mth
  
  Board + 2.480%
- Year 3
  
  3.75%
  
  $2930.623/mth
  
  Board + 3.750%
- Year 4
  
  3.75%
  
  $2930.623/mth
  
  Board + 3.750%

Features

Subsidy Comment	- Owners Occupation - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

For Owner's Occupation

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

UOB 2YR BOARD

2.35%2 Year Average

$2,613.132 Year Average

$313,672.24

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.35%
  
  $2613.129/mth
- Year 2
  
  2.35%
  
  $2613.129/mth
  
  Board - 3.90%
- Year 3
  
  4.25%
  
  $3049.927/mth
  
  Board - 2.00%
- Year 4
  
  6.25%
  
  $3501.755/mth
  
  Board - 0.00%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500 - Processing Fee $1,000

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SING INVESTMENTS 2YR BOARD

2.43%2 Year Average

$2,632.502 Year Average

$219,765.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.33%
  
  $2608.301/mth
- Year 2
  
  2.53%
  
  $2654.593/mth
  
  Board + 2.530%
- Year 3
  
  3.75%
  
  $2933.118/mth
  
  Board + 3.750%
- Year 4
  
  4.25%
  
  $3046.144/mth
  
  Board + 4.250%

Features

Subsidy Comment	- Not applicable to JTC, Repricing, Equity loan & loan to non profit organisation - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

HONG LEONG FINANCE 2YR FIXED

2.45%2 Year Average

$2,637.352 Year Average

$232,984.35

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.40%
  
  $2625.224/mth
- Year 2
  
  2.50%
  
  $2648.401/mth
- Year 3
  
  3.10%
  
  $2783.138/mth
  
  Board + 3.100%
- Year 4
  
  4.60%
  
  $3119.133/mth
  
  Board + 4.600%

Features

Subsidy Comment	- Interest commence 3 months from Letter of Offer - Annual Fee $400 - Commitment Fee $2,000 - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SINGAPURA FINANCE 3YR BOARD For Investment Purposes

2.48%2 Year Average

$2,644.652 Year Average

$192,765.21

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.38%
  
  $2620.382/mth
- Year 2
  
  2.58%
  
  $2666.807/mth
  
  Board + 2.580%
- Year 3
  
  2.88%
  
  $2733.958/mth
  
  Board + 2.880%
- Year 4
  
  3.75%
  
  $2924.076/mth
  
  Board + 3.750%

Features

Subsidy Comment	- Investment Purposes - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

For Investment Purposes

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SINGAPURA FINANCE 2YR BOARD For Investment Purposes

2.53%2 Year Average

$2,656.832 Year Average

$197,813.49

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.38%
  
  $2620.382/mth
- Year 2
  
  2.68%
  
  $2690.205/mth
  
  Board + 2.680%
- Year 3
  
  3.75%
  
  $2935.585/mth
  
  Board + 3.750%
- Year 4
  
  3.75%
  
  $2935.585/mth
  
  Board + 3.750%

Features

Subsidy Comment	- Investment Purpose - Legal subsidy: 0.4% capped at $3,000 - Valuation subsidy: $500

Details

For Investment Purposes

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

DBS 1YR BOARD

2.6%2 Year Average

$2,673.942 Year Average

$347,161.22

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.60%
  
  $2673.94/mth
- Year 2
  
  2.60%
  
  $2673.94/mth
  
  Board + 2.600%
- Year 3
  
  6.50%
  
  $3624.938/mth
  
  Board + 6.500%
- Year 4
  
  6.50%
  
  $3624.938/mth
  
  Board + 6.500%

Features

Subsidy Comment	- No subsidy

Details

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