Commercial/Industrial – Refinancing

	SIBOR	SOR	SORA
1-month	0.265	0.25933	0.1366
3-month	0.43607	0.3003	0.1893
6-month	0.59161	0.31525	0.179
12-month	NA	NA	NA

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 2YR 3M SIBOR

1.24%2 Year Average

$1,882.722 Year Average

$9,497.74

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.24%
  
  $1882.723/mth
  
  3M SIBOR + 0.800%
- Year 2
  
  1.24%
  
  $1882.723/mth
  
  3M SIBOR + 0.800%
- Year 3
  
  3.24%
  
  $2228.202/mth
  
  3M SIBOR + 2.800%
- Year 4
  
  3.24%
  
  $2228.202/mth
  
  3M SIBOR + 2.800%

Features

Subsidy Comment	- Processing fee: $1,000 - Legal subsidy: 0.4% capped at $2,500 - Valuation subsidy: $500 + GST

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2YR 1M SORA

1.33%2 Year Average

$1,899.072 Year Average

$10,191.05

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.33%
  
  $1899.067/mth
  
  1m SORA + 1.200%
- Year 2
  
  1.33%
  
  $1899.067/mth
  
  1m SORA + 1.200%
- Year 3
  
  3.38%
  
  $2255.577/mth
  
  Board + 3.380%
- Year 4
  
  6.00%
  
  $2711.439/mth
  
  Board + 6.000%

Features

Subsidy Comment	- Facility Fee: $1,600 - Owners Occupied

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3YR BOARD For Owners' Occupation

1.375%2 Year Average

$1,907.272 Year Average

$10,537.90

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.25%
  
  $1884.535/mth
- Year 2
  
  1.50%
  
  $1927.988/mth
  
  Board + 1.500%
- Year 3
  
  1.90%
  
  $1995.238/mth
  
  Board + 1.900%
- Year 4
  
  6.00%
  
  $2722.068/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
Avg 2 Years Interest Payable
Type

DBS 2YR 3M SORA

1.39%2 Year Average

$1,910.012 Year Average

$10,653.54

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.39%
  
  $1910.012/mth
  
  3m SORA + 1.200%
- Year 2
  
  1.39%
  
  $1910.012/mth
  
  3m SORA + 1.200%
- Year 3
  
  4.19%
  
  $2407.975/mth
  
  3m SORA + 4.000%
- Year 4
  
  4.19%
  
  $2407.975/mth
  
  3m SORA + 4.000%

Features

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

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 2YR 3M SORA

1.39%2 Year Average

$1,910.012 Year Average

$10,653.54

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.39%
  
  $1910.012/mth
  
  3m SORA + 1.200%
- Year 2
  
  1.39%
  
  $1910.012/mth
  
  3m SORA + 1.200%
- Year 3
  
  4.19%
  
  $2407.975/mth
  
  3m SORA + 4.000%
- Year 4
  
  4.19%
  
  $2407.975/mth
  
  3m SORA + 4.000%

Features

Subsidy Comment	- Valuation Subsidy: Capped @ $500 + GST - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2YR BOARD For Owner's Occupation

1.4%2 Year Average

$1,911.842 Year Average

$10,730.65

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.40%
  
  $1911.84/mth
- Year 2
  
  1.40%
  
  $1911.84/mth
  
  Board + 1.400%
- Year 3
  
  3.38%
  
  $2257.019/mth
  
  Board + 3.380%
- Year 4
  
  6.00%
  
  $2713.172/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
Avg 2 Years Interest Payable
Type

SCB 2YR FDR36 For Own Business Use

1.4%2 Year Average

$1,911.842 Year Average

$10,730.65

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.40%
  
  $1911.84/mth
  
  FDR36(SCB) + 0.680%
- Year 2
  
  1.40%
  
  $1911.84/mth
  
  FDR36(SCB) + 0.680%
- Year 3
  
  1.70%
  
  $1961.883/mth
  
  FDR36(SCB) + 0.980%
- Year 4
  
  1.70%
  
  $1961.883/mth
  
  FDR36(SCB) + 0.980%

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
Avg 2 Years Interest Payable
Type

SCB 2YR 3M SIBOR For Own Business Use

1.42%2 Year Average

$1,915.502 Year Average

$10,884.88

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.42%
  
  $1915.5/mth
  
  3M SIBOR + 0.980%
- Year 2
  
  1.42%
  
  $1915.5/mth
  
  3M SIBOR + 0.980%
- Year 3
  
  1.82%
  
  $1982.489/mth
  
  3M SIBOR + 1.380%
- Year 4
  
  1.82%
  
  $1982.489/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
Avg 2 Years Interest Payable
Type

UOB 2YR 3M SIBOR

1.44%2 Year Average

$1,919.162 Year Average

$11,039.13

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.44%
  
  $1919.164/mth
- Year 2
  
  1.44%
  
  $1919.164/mth
  
  3M SIBOR + 1.00%
- Year 3
  
  3.32%
  
  $2246.865/mth
  
  3M SIBOR + 2.88%
- Year 4
  
  3.32%
  
  $2246.865/mth
  
  3M SIBOR + 2.88%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $1,800 - Valuation subsidy: $500 - Processing Fee $1,000

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 3YR 3M SIBOR

1.44%2 Year Average

$1,919.162 Year Average

$11,039.13

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.44%
  
  $1919.164/mth
  
  3M SIBOR + 1.00%
- Year 2
  
  1.44%
  
  $1919.164/mth
  
  3M SIBOR + 1.00%
- Year 3
  
  2.32%
  
  $2068.626/mth
  
  3M SIBOR + 1.88%
- Year 4
  
  3.32%
  
  $2228.077/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
Avg 2 Years Interest Payable
Type

DBS 2YR FIXED

1.5%2 Year Average

$1,930.182 Year Average

$11,502.04

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.50%
  
  $1930.182/mth
- Year 2
  
  1.50%
  
  $1930.182/mth
- Year 3
  
  4.44%
  
  $2458.224/mth
  
  3M SIBOR + 4.000%
- Year 4
  
  4.44%
  
  $2458.224/mth
  
  3M SIBOR + 4.000%

Features

Subsidy Comment	- Valuation subsidy: $500 - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 2YR FIXED

1.5%2 Year Average

$1,930.182 Year Average

$11,502.04

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.50%
  
  $1930.182/mth
- Year 2
  
  1.50%
  
  $1930.182/mth
- Year 3
  
  3.75%
  
  $2327.479/mth
  
  Board - 2.50%
- Year 4
  
  6.25%
  
  $2769.842/mth
  
  Board - 0.00%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $1,800 - Valuation subsidy: $500 - Processing Fee $1,000

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2YR FIXED For Owners' Occupation

1.55%2 Year Average

$1,939.392 Year Average

$11,887.96

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.55%
  
  $1939.393/mth
- Year 2
  
  1.55%
  
  $1939.393/mth
- Year 3
  
  3.38%
  
  $2260.087/mth
  
  Board + 3.380%
- Year 4
  
  6.00%
  
  $2716.86/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
Avg 2 Years Interest Payable
Type

RHB 2YR BOARD Min 600K Loan

1.55%2 Year Average

$1,939.392 Year Average

$11,887.96

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.55%
  
  $1939.393/mth
- Year 2
  
  1.55%
  
  $1939.393/mth
  
  Board + 1.550%
- Year 3
  
  2.30%
  
  $2067.207/mth
  
  Board + 2.300%
- Year 4
  
  2.50%
  
  $2098.518/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
Avg 2 Years Interest Payable
Type

RHB 3YR BOARD Min 600K Loan

1.58%2 Year Average

$1,944.932 Year Average

$12,119.59

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.58%
  
  $1944.934/mth
- Year 2
  
  1.58%
  
  $1944.934/mth
  
  Board + 1.580%
- Year 3
  
  1.58%
  
  $1944.934/mth
  
  Board + 1.580%
- Year 4
  
  2.50%
  
  $2094.216/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
Avg 2 Years Interest Payable
Type

SCB 2YR FIXED For Own Business Use

1.58%2 Year Average

$1,944.932 Year Average

$12,119.59

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.58%
  
  $1944.934/mth
- Year 2
  
  1.58%
  
  $1944.934/mth
- Year 3
  
  1.42%
  
  $1918.273/mth
  
  3M SIBOR + 0.980%
- Year 4
  
  1.42%
  
  $1918.273/mth
  
  3M SIBOR + 0.980%

Features

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

Details

For Own Business Use

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 2YR BOARD

1.6%2 Year Average

$1,948.632 Year Average

$12,274.04

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.60%
  
  $1948.633/mth
  
  Board + 1.600%
- Year 2
  
  1.60%
  
  $1948.633/mth
  
  Board + 1.600%
- Year 3
  
  2.58%
  
  $2117.171/mth
  
  Board + 2.580%
- Year 4
  
  4.88%
  
  $2500.195/mth
  
  Board + 4.880%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $2,500 - Valuation subsidy: $500 + GST - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

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

1.65%2 Year Average

$1,957.902 Year Average

$12,660.28

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.65%
  
  $1957.9/mth
  
  Board + 1.650%
- Year 2
  
  1.65%
  
  $1957.9/mth
  
  Board + 1.650%
- Year 3
  
  2.30%
  
  $2069.064/mth
  
  Board + 2.300%
- Year 4
  
  2.50%
  
  $2100.403/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
Avg 2 Years Interest Payable
Type

DBS 3YR FIXED

1.68%2 Year Average

$1,963.472 Year Average

$12,892.09

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.68%
  
  $1963.473/mth
- Year 2
  
  1.68%
  
  $1963.473/mth
- Year 3
  
  1.98%
  
  $2014.402/mth
- Year 4
  
  4.44%
  
  $2413.138/mth
  
  3M SIBOR + 4.000%

Features

Subsidy Comment	- Valuation subsidy: $500 - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

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

1.68%2 Year Average

$1,963.472 Year Average

$12,892.09

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.68%
  
  $1963.473/mth
  
  Board + 1.680%
- Year 2
  
  1.68%
  
  $1963.473/mth
  
  Board + 1.680%
- Year 3
  
  1.78%
  
  $1980.359/mth
  
  Board + 1.780%
- Year 4
  
  2.50%
  
  $2091.337/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
Avg 2 Years Interest Payable
Type

OCBC 3YR BOARD For Investment Purposes

1.775%2 Year Average

$1,981.192 Year Average

$13,626.53

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.65%
  
  $1957.9/mth
  
  Board + 1.650%
- Year 2
  
  1.90%
  
  $2002.431/mth
  
  Board + 1.900%
- Year 3
  
  2.30%
  
  $2071.367/mth
  
  Board + 2.300%
- Year 4
  
  6.00%
  
  $2736.676/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
Avg 2 Years Interest Payable
Type

MAYBANK 2YR FIXED

1.78%2 Year Average

$1,982.122 Year Average

$13,665.20

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.78%
  
  $1982.121/mth
- Year 2
  
  1.78%
  
  $1982.121/mth
- Year 3
  
  2.38%
  
  $2085.422/mth
  
  Board + 2.380%
- Year 4
  
  4.88%
  
  $2499.917/mth
  
  Board + 4.880%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $2,500 - Valuation subsidy: $500 + GST - Processing Fee: $1,000

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR FIXED

1.78%2 Year Average

$1,982.122 Year Average

$13,665.20

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.78%
  
  $1982.121/mth
- Year 2
  
  1.78%
  
  $1982.121/mth
- Year 3
  
  1.72%
  
  $1971.97/mth
  
  FDR36(SCB) + 1.000%
- Year 4
  
  1.72%
  
  $1971.97/mth
  
  FDR36(SCB) + 1.000%

Features

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

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2YR BOARD For Investment Purposes

1.8%2 Year Average

$1,985.862 Year Average

$13,819.89

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.80%
  
  $1985.864/mth
- Year 2
  
  1.80%
  
  $1985.864/mth
  
  Board + 1.800%
- Year 3
  
  3.78%
  
  $2339.349/mth
  
  Board + 3.780%
- Year 4
  
  6.00%
  
  $2731.634/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
Avg 2 Years Interest Payable
Type

SCB 2YR 3M SIBOR

1.82%2 Year Average

$1,989.612 Year Average

$13,974.61

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.82%
  
  $1989.611/mth
  
  3M SIBOR + 1.380%
- Year 2
  
  1.82%
  
  $1989.611/mth
  
  3M SIBOR + 1.380%
- Year 3
  
  1.82%
  
  $1989.611/mth
  
  3M SIBOR + 1.380%
- Year 4
  
  1.82%
  
  $1989.611/mth
  
  3M SIBOR + 1.380%

Features

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

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3YR BOARD

1.83%2 Year Average

$1,991.492 Year Average

$14,051.98

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.78%
  
  $1982.121/mth
  
  Board + 1.780%
- Year 2
  
  1.88%
  
  $1999.999/mth
  
  Board + 1.880%
- Year 3
  
  2.08%
  
  $2034.268/mth
  
  Board + 2.080%
- Year 4
  
  2.50%
  
  $2103.576/mth
  
  Board + 2.500%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2YR BOARD

1.85%2 Year Average

$1,995.242 Year Average

$14,206.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.85%
  
  $1995.24/mth
- Year 2
  
  1.85%
  
  $1995.24/mth
  
  Board + 1.850%
- Year 3
  
  6.50%
  
  $2881.339/mth
  
  Board + 6.500%
- Year 4
  
  6.50%
  
  $2881.339/mth
  
  Board + 6.500%

Features

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

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 3YR FIXED

1.85%2 Year Average

$1,995.242 Year Average

$14,206.73

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.85%
  
  $1995.24/mth
- Year 2
  
  1.85%
  
  $1995.24/mth
- Year 3
  
  4.20%
  
  $2419.836/mth
  
  Board - 2.05%
- Year 4
  
  6.25%
  
  $2788.233/mth
  
  Board - 0.00%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $1,800 - Valuation subsidy: $500 - Processing Fee $1,000

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 2YR BOARD

1.9%2 Year Average

$2,004.642 Year Average

$14,593.72

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.90%
  
  $2004.644/mth
- Year 2
  
  1.90%
  
  $2004.644/mth
  
  Board + 1.900%
- Year 3
  
  2.30%
  
  $2073.656/mth
  
  Board + 2.300%
- Year 4
  
  2.50%
  
  $2105.065/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
Avg 2 Years Interest Payable
Type

SCB 2YR FDR36

2%2 Year Average

$2,023.532 Year Average

$15,368.15

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.00%
  
  $2023.533/mth
  
  FDR36(SCB) + 1.280%
- Year 2
  
  2.00%
  
  $2023.533/mth
  
  FDR36(SCB) + 1.280%
- Year 3
  
  2.50%
  
  $2110.55/mth
  
  FDR36(SCB) + 1.780%
- Year 4
  
  2.50%
  
  $2110.55/mth
  
  FDR36(SCB) + 1.780%

Features

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

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HONG LEONG FINANCE 3YR BOARD

2.15%2 Year Average

$2,052.072 Year Average

$16,530.88

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.10%
  
  $2042.532/mth
- Year 2
  
  2.20%
  
  $2060.753/mth
  
  Board + 2.200%
- Year 3
  
  3.10%
  
  $2220.815/mth
  
  Board + 3.100%
- Year 4
  
  4.60%
  
  $2488.923/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
Avg 2 Years Interest Payable
Type

MAYBANK 1YR FIXED

2.18%2 Year Average

$2,057.812 Year Average

$16,763.59

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.98%
  
  $2019.747/mth
- Year 2
  
  2.38%
  
  $2092.712/mth
  
  Board + 2.380%
- Year 3
  
  4.88%
  
  $2559.022/mth
  
  Board + 4.880%
- Year 4
  
  4.88%
  
  $2559.022/mth
  
  Board + 4.880%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 2YR 1M SIBOR

2.23%2 Year Average

$2,067.392 Year Average

$17,151.55

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.23%
  
  $2067.392/mth
  
  1M SIBOR + 1.950%
- Year 2
  
  2.23%
  
  $2067.392/mth
  
  1M SIBOR + 1.950%
- Year 3
  
  2.53%
  
  $2120.057/mth
  
  1M SIBOR + 2.250%
- Year 4
  
  2.53%
  
  $2120.057/mth
  
  1M SIBOR + 2.250%

Features

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

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SINGAPURA FINANCE 3YR BOARD For Owners' Occupation

2.28%2 Year Average

$2,077.002 Year Average

$17,539.65

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.18%
  
  $2057.809/mth
  
  Board + 2.180%
- Year 2
  
  2.38%
  
  $2094.522/mth
  
  Board + 2.380%
- Year 3
  
  2.68%
  
  $2147.614/mth
  
  Board + 2.680%
- Year 4
  
  3.75%
  
  $2333.338/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
Avg 2 Years Interest Payable
Type

UOB 3YR BOARD

2.3%2 Year Average

$2,080.852 Year Average

$17,694.93

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.30%
  
  $2080.855/mth
  
  Board - 3.95%
- Year 2
  
  2.30%
  
  $2080.855/mth
  
  Board - 3.95%
- Year 3
  
  3.00%
  
  $2205.509/mth
  
  Board - 3.25%
- Year 4
  
  6.25%
  
  $2772.517/mth
  
  Board - 0.00%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $1,800 - Valuation subsidy: $500 - Processing Fee $1,000

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SINGAPURA FINANCE 2YR BOARD For Owner's Occupation

2.33%2 Year Average

$2,086.642 Year Average

$17,927.89

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.18%
  
  $2057.809/mth
  
  Board + 2.180%
- Year 2
  
  2.48%
  
  $2113.027/mth
  
  Board + 2.480%
- Year 3
  
  3.75%
  
  $2344.499/mth
  
  Board + 3.750%
- Year 4
  
  3.75%
  
  $2344.499/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
Avg 2 Years Interest Payable
Type

UOB 2YR BOARD

2.35%2 Year Average

$2,090.502 Year Average

$18,083.22

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.35%
  
  $2090.503/mth
- Year 2
  
  2.35%
  
  $2090.503/mth
  
  Board - 3.90%
- Year 3
  
  4.25%
  
  $2439.942/mth
  
  Board - 2.00%
- Year 4
  
  6.25%
  
  $2801.404/mth
  
  Board - 0.00%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $1,800 - Valuation subsidy: $500 - Processing Fee $1,000

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SING INVESTMENTS 2YR BOARD

2.43%2 Year Average

$2,106.002 Year Average

$18,704.79

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.33%
  
  $2086.641/mth
- Year 2
  
  2.53%
  
  $2123.674/mth
  
  Board + 2.530%
- Year 3
  
  3.75%
  
  $2346.494/mth
  
  Board + 3.750%
- Year 4
  
  4.25%
  
  $2436.915/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
Avg 2 Years Interest Payable
Type

HONG LEONG FINANCE 2YR FIXED

2.45%2 Year Average

$2,109.882 Year Average

$18,860.25

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.40%
  
  $2100.179/mth
- Year 2
  
  2.50%
  
  $2118.721/mth
- Year 3
  
  3.10%
  
  $2226.51/mth
  
  Board + 3.100%
- Year 4
  
  4.60%
  
  $2495.307/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
Avg 2 Years Interest Payable
Type

SINGAPURA FINANCE 3YR BOARD For Investment Purposes

2.48%2 Year Average

$2,115.722 Year Average

$19,093.46

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.38%
  
  $2096.305/mth
- Year 2
  
  2.58%
  
  $2133.446/mth
  
  Board + 2.580%
- Year 3
  
  2.88%
  
  $2187.167/mth
  
  Board + 2.880%
- Year 4
  
  3.75%
  
  $2339.261/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
Avg 2 Years Interest Payable
Type

SINGAPURA FINANCE 2YR BOARD For Investment Purposes

2.53%2 Year Average

$2,125.462 Year Average

$19,482.27

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.38%
  
  $2096.305/mth
  
  Board + 2.380%
- Year 2
  
  2.68%
  
  $2152.164/mth
  
  Board + 2.680%
- Year 3
  
  3.75%
  
  $2348.468/mth
  
  Board + 3.750%
- Year 4
  
  3.75%
  
  $2348.468/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
Avg 2 Years Interest Payable
Type

DBS 1YR BOARD

2.6%2 Year Average

$2,139.152 Year Average

$20,026.83

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.60%
  
  $2139.152/mth
- Year 2
  
  2.60%
  
  $2139.152/mth
  
  Board + 2.600%
- Year 3
  
  6.50%
  
  $2899.951/mth
  
  Board + 6.500%
- Year 4
  
  6.50%
  
  $2899.951/mth
  
  Board + 6.500%

Features

Subsidy Comment	- No subsidy

Details

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