Commercial/Industrial – Refinancing

	SIBOR	COMPOUNDED SORA
1-month	4.13106	3.1235
3-month	4.25	3.0925
6-month	NA	2.7631
12-month	NA	NA

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

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

3.53%2 Year Average

$2,326.012 Year Average

$27,286.40

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.53%
  
  $2326.01/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  3.53%
  
  $2326.01/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  5.53%
  
  $2718.997/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.53%
  
  $2908.695/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

3.73%2 Year Average

$2,367.392 Year Average

$28,853.33

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.73%
  
  $2367.392/mth
  
  Year 1 1M SORA + 1.200%
- Year 2
  
  3.73%
  
  $2367.392/mth
  
  Year 2 1M SORA + 1.200%
- Year 3
  
  5.73%
  
  $2764.436/mth
  
  Year 3 1M SORA + 3.200%
- Year 4
  
  5.73%
  
  $2764.436/mth
  
  Year 4 1M SORA + 3.200%

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

4.01%2 Year Average

$2,426.032 Year Average

$31,050.22

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.01%
  
  $2426.03/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  4.01%
  
  $2426.03/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  6.01%
  
  $2828.72/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.01%
  
  $2828.72/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 31 Jan and disbursement by 30 Apr 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

Standard Chartered 3M SORA 2 Years Lock In Period

4.04%2 Year Average

$2,432.362 Year Average

$31,285.82

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.00%
  
  $2423.921/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  4.08%
  
  $2440.093/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  5.08%
  
  $2637.819/mth
  
  Year 3 3M SORA + 2.080%
- Year 4
  
  5.08%
  
  $2637.819/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

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

Maybank Board 2 Years Lock In Period

4.18%2 Year Average

$2,462.032 Year Average

$32,385.82

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.98%
  
  $2419.708/mth
  
  Year 1 Board + 3.980%
- Year 2
  
  4.38%
  
  $2501.096/mth
  
  Year 2 Board + 4.380%
- Year 3
  
  4.88%
  
  $2600.282/mth
  
  Year 3 Board + 4.880%
- Year 4
  
  4.88%
  
  $2600.282/mth
  
  Year 4 Board + 4.880%

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

CIMB 3M SORA 2 Years Lock In Period

4.19%2 Year Average

$2,464.162 Year Average

$32,464.43

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.19%
  
  $2464.155/mth
  
  Year 1 3M SORA + 1.180%
- Year 2
  
  4.19%
  
  $2464.155/mth
  
  Year 2 3M SORA + 1.180%
- Year 3
  
  6.01%
  
  $2832.508/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.01%
  
  $2832.508/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 - 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

OCBC 3M SORA 2 Years Lock In Period

4.21%2 Year Average

$2,468.412 Year Average

$32,621.66

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.21%
  
  $2468.412/mth
  
  Year 1 3M SORA + 1.200%
- Year 2
  
  4.21%
  
  $2468.412/mth
  
  Year 2 3M SORA + 1.200%
- Year 3
  
  5.51%
  
  $2728.912/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.51%
  
  $2728.912/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

RHB 3M SORA 3 Years Lock In Period

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 3M SORA + 1.250%
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 3M SORA + 1.250%
- Year 3
  
  4.25%
  
  $2476.938/mth
  
  Year 3 3M SORA + 1.250%
- Year 4
  
  6.00%
  
  $2814.203/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 - 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 Board 2 Years Lock In Period

4.28%2 Year Average

$2,483.342 Year Average

$33,172.09

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.08%
  
  $2440.816/mth
  
  Year 1 Board + 4.080%
- Year 2
  
  4.48%
  
  $2522.616/mth
  
  Year 2 Board + 4.480%
- Year 3
  
  5.03%
  
  $2632.395/mth
  
  Year 3 Board + 5.030%
- Year 4
  
  5.03%
  
  $2632.395/mth
  
  Year 4 Board + 5.030%

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

CIMB 3M SORA 2 Years Lock In Period

4.29%2 Year Average

$2,485.482 Year Average

$33,250.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.29%
  
  $2485.48/mth
  
  Year 1 3M SORA + 1.280%
- Year 2
  
  4.29%
  
  $2485.48/mth
  
  Year 2 3M SORA + 1.280%
- Year 3
  
  7.01%
  
  $3048.892/mth
  
  Year 3 3M SORA + 4.000%
- Year 4
  
  7.01%
  
  $3048.892/mth
  
  Year 4 3M SORA + 4.000%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Hong Leong Finance 3M SORA 2 Years Lock In Period

4.31%2 Year Average

$2,489.762 Year Average

$33,408.05

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.31%
  
  $2489.758/mth
  
  Year 1 3M SORA + 1.300%
- Year 2
  
  4.31%
  
  $2489.758/mth
  
  Year 2 3M SORA + 1.300%
- Year 3
  
  5.76%
  
  $2782.7/mth
  
  Year 3 3M SORA + 2.750%
- Year 4
  
  5.76%
  
  $2782.7/mth
  
  Year 4 3M SORA + 2.750%

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

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

Hong Leong Finance 3M SORA 2 Years Lock In Period

4.41%2 Year Average

$2,511.212 Year Average

$34,194.88

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.41%
  
  $2511.206/mth
  
  Year 1 3M SORA + 1.400%
- Year 2
  
  4.41%
  
  $2511.206/mth
  
  Year 2 3M SORA + 1.400%
- Year 3
  
  5.86%
  
  $2805.601/mth
  
  Year 3 3M SORA + 2.850%
- Year 4
  
  5.86%
  
  $2805.601/mth
  
  Year 4 3M SORA + 2.850%

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

OCBC 3M SORA 2 Years Lock In Period

4.41%2 Year Average

$2,511.212 Year Average

$34,194.88

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.41%
  
  $2511.206/mth
  
  Year 1 3M SORA + 1.400%
- Year 2
  
  4.41%
  
  $2511.206/mth
  
  Year 2 3M SORA + 1.400%
- Year 3
  
  5.51%
  
  $2732.904/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.51%
  
  $2732.904/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

4.73%2 Year Average

$2,580.532 Year Average

$36,715.67

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.88%
  
  $2613.379/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.58%
  
  $2550.576/mth
  
  Year 2 3M SORA + 1.580%
- Year 3
  
  5.08%
  
  $2651.022/mth
  
  Year 3 3M SORA + 2.080%
- Year 4
  
  5.08%
  
  $2651.022/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

Standard Chartered 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
  
  4.70%
  
  $2573.984/mth
  
  Year 1 3M SORA + 1.700%
- Year 2
  
  4.78%
  
  $2590.729/mth
  
  Year 2 3M SORA + 1.780%
- Year 3
  
  5.58%
  
  $2753.86/mth
  
  Year 3 3M SORA + 2.580%
- Year 4
  
  5.58%
  
  $2753.86/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 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
  
  5.18%
  
  $2679.759/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.78%
  
  $2595/mth
  
  Year 2 3M SORA + 1.780%
- Year 3
  
  5.58%
  
  $2758.399/mth
  
  Year 3 3M SORA + 2.580%
- Year 4
  
  5.58%
  
  $2758.399/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

DBS Fixed 3 Years Lock In Period

5.05%2 Year Average

$2,650.882 Year Average

$39,240.73

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.00%
  
  $2639.823/mth
  
  Year 1 Fixed Rate
- Year 2
  
  5.10%
  
  $2661.065/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.25%
  
  $2691.713/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.00%
  
  $2840.565/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 31 Jan and disbursement by 30 Apr 2023 - 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

5.05%2 Year Average

$2,650.882 Year Average

$39,240.73

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.00%
  
  $2639.823/mth
  
  Year 1 Fixed Rate
- Year 2
  
  5.10%
  
  $2661.065/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.25%
  
  $2691.713/mth
  
  Year 3 Fixed Rate
- Year 4
  
  5.25%
  
  $2691.713/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 31 Jan and disbursement by 30 Apr 2023 - 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 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
  
  5.25%
  
  $2695.377/mth
  
  Year 1 Fixed Rate
- Year 2
  
  5.25%
  
  $2695.377/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.00%
  
  $2851.691/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.00%
  
  $2851.691/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 31 Jan and disbursement by 30 Apr 2023 - 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

OCBC 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
  
  5.25%
  
  $2695.377/mth
  
  Year 1 Fixed Rate
- Year 2
  
  5.25%
  
  $2695.377/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.50%
  
  $2746.953/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.50%
  
  $2746.953/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

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
  
  5.50%
  
  $2751.549/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.50%
  
  $2751.549/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 – Refinancing

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Business Term Loan

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Loan Tenure

Overview

Repayment Summary

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