Commercial/Industrial – Refinancing

	SIBOR	COMPOUNDED SORA
1-month	4.025	3.7762
3-month	4.05644	3.7052
6-month	NA	3.6909
12-month	NA	NA

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 3M SORA 2 Years Lock In Period

Featured Package

4.64%2 Year Average

$2,560.932 Year Average

$36,006.25

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.58%
  
  $2547.903/mth
  
  Year 1 3M SORA + 0.880%
- Year 2
  
  4.70%
  
  $2572.897/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  5.70%
  
  $2776.832/mth
  
  Year 3 3M SORA + 2.000%
- Year 4
  
  5.70%
  
  $2776.832/mth
  
  Year 4 3M SORA + 2.000%

Features

Subsidy Comment	- Valuation subsidy: Up to $500 (loan quantum<2mil) - Valuation subsidy: Up to $1000 (loan quantum>2mil) - 50% shopping vouchers rebate on facility fee - Referral payout 0.2% cap $10k +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

Standard Chartered Fixed 2 Years Lock In Period

3.98%2 Year Average

$2,419.712 Year Average

$30,814.66

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.98%
  
  $2419.708/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.98%
  
  $2419.708/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.79%
  
  $2782.14/mth
  
  Year 3 3M SORA + 2.080%
- Year 4
  
  5.79%
  
  $2782.14/mth
  
  Year 4 3M SORA + 2.080%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K - No annual fee required 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

3.98%2 Year Average

$2,419.712 Year Average

$30,814.66

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.98%
  
  $2419.708/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.98%
  
  $2419.708/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.75%
  
  $2985.529/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.75%
  
  $2985.529/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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

4.08%2 Year Average

$2,440.822 Year Average

$31,600.01

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.08%
  
  $2440.816/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.08%
  
  $2440.816/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.75%
  
  $2987.762/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.75%
  
  $2987.762/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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

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

CIMB Fixed 2 Years Lock In Period

4.15%2 Year Average

$2,455.652 Year Average

$32,150.04

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.15%
  
  $2455.654/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.15%
  
  $2455.654/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.71%
  
  $2980.681/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.71%
  
  $2980.681/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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

4.18%2 Year Average

$2,462.032 Year Average

$32,385.82

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.18%
  
  $2462.028/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.18%
  
  $2462.028/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.79%
  
  $2786.286/mth
  
  Year 3 3M SORA + 2.080%
- Year 4
  
  5.79%
  
  $2786.286/mth
  
  Year 4 3M SORA + 2.080%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 Fixed 2 Years Lock In Period

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.81%
  
  $3004.506/mth
  
  Year 3 3M SORA + 3.100%
- Year 4
  
  6.81%
  
  $3004.506/mth
  
  Year 4 3M SORA + 3.100%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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

UOB Fixed 3 Years Lock In Period

4.28%2 Year Average

$2,483.342 Year Average

$33,172.09

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.28%
  
  $2483.343/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.28%
  
  $2483.343/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.28%
  
  $2483.343/mth
  
  Year 3 Fixed Rate
- Year 4
  
  5.70%
  
  $2755.614/mth
  
  Year 4 3M SORA + 2.000%

Features

Subsidy Comment	+0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

Maybank 2 Years Fixed Lock In Period

4.365%2 Year Average

$2,501.542 Year Average

$33,840.76

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.98%
  
  $2419.708/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.75%
  
  $2577.73/mth
  
  Year 2 1M SORA + 1.00%
- Year 3
  
  6.75%
  
  $2993.982/mth
  
  Year 3 1M SORA + 3.00%
- Year 4
  
  6.75%
  
  $2993.982/mth
  
  Year 4 1M SORA + 3.00%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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

UOB Fixed 2 Years Lock In Period

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.38%
  
  $2504.761/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.38%
  
  $2504.761/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.70%
  
  $2771.637/mth
  
  Year 3 3M SORA + 2.000%
- Year 4
  
  5.70%
  
  $2771.637/mth
  
  Year 4 3M SORA + 2.000%

Features

Subsidy Comment	+0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.38%
  
  $2504.761/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.38%
  
  $2504.761/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.38%
  
  $2504.761/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.71%
  
  $2962.005/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.38%
  
  $2504.761/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.38%
  
  $2504.761/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.38%
  
  $2504.761/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.38%
  
  $2504.761/mth
  
  Year 4 Fixed Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.38%
  
  $2504.761/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.38%
  
  $2504.761/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.71%
  
  $2985.713/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.71%
  
  $2985.713/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.38%
  
  $2504.761/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.38%
  
  $2504.761/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.21%
  
  $2878.689/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.21%
  
  $2878.689/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.465%2 Year Average

$2,523.052 Year Average

$34,627.83

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.08%
  
  $2440.816/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.85%
  
  $2599.626/mth
  
  Year 2 1M SORA + 1.100%
- Year 3
  
  6.75%
  
  $2996.155/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.75%
  
  $2996.155/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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

DBS Fixed 3 Years Lock In Period

4.48%2 Year Average

$2,526.282 Year Average

$34,745.93

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.48%
  
  $2526.281/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.48%
  
  $2526.281/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.48%
  
  $2526.281/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.21%
  
  $2863.512/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.5%2 Year Average

$2,530.602 Year Average

$34,903.41

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.45%
  
  $2519.814/mth
  
  Year 1 1M SORA + 0.700%
- Year 2
  
  4.55%
  
  $2540.501/mth
  
  Year 2 1M SORA + 0.800%
- Year 3
  
  6.75%
  
  $2996.97/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.75%
  
  $2996.97/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.51%2 Year Average

$2,532.762 Year Average

$34,982.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.51%
  
  $2532.757/mth
  
  Year 1 3M SORA + 0.800%
- Year 2
  
  4.51%
  
  $2532.757/mth
  
  Year 2 3M SORA + 0.800%
- Year 3
  
  6.71%
  
  $2988.52/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.71%
  
  $2988.52/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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

DBS Fixed 2 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
  
  6.71%
  
  $2990.021/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.71%
  
  $2990.021/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

DBS Fixed 2 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
  
  6.21%
  
  $2882.842/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.21%
  
  $2882.842/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

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
  
  6.71%
  
  $2968.479/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.58%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
  
  4.58%
  
  $2547.903/mth
  
  Year 4 Fixed Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.6%2 Year Average

$2,552.242 Year Average

$35,691.07

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.55%
  
  $2541.406/mth
  
  Year 1 1M SORA + 0.800%
- Year 2
  
  4.65%
  
  $2562.194/mth
  
  Year 2 1M SORA + 0.900%
- Year 3
  
  6.75%
  
  $2999.119/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.75%
  
  $2999.119/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.61%2 Year Average

$2,554.412 Year Average

$35,769.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.56%
  
  $2543.571/mth
  
  Year 1 3M SORA + 0.850%
- Year 2
  
  4.66%
  
  $2564.369/mth
  
  Year 2 3M SORA + 0.950%
- Year 3
  
  5.79%
  
  $2795.004/mth
  
  Year 3 3M SORA + 2.080%
- Year 4
  
  5.79%
  
  $2795.004/mth
  
  Year 4 3M SORA + 2.080%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K - No annual fee required 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

4.61%2 Year Average

$2,554.412 Year Average

$35,769.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.61%
  
  $2554.41/mth
  
  Year 1 3M SORA + 0.900%
- Year 2
  
  4.61%
  
  $2554.41/mth
  
  Year 2 3M SORA + 0.900%
- Year 3
  
  6.81%
  
  $3012.344/mth
  
  Year 3 3M SORA + 3.100%
- Year 4
  
  6.81%
  
  $3012.344/mth
  
  Year 4 3M SORA + 3.100%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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 3M SORA 2 Years Lock In Period

4.65%2 Year Average

$2,563.102 Year Average

$36,085.06

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.59%
  
  $2550.071/mth
  
  Year 1 3M SORA + 0.880%
- Year 2
  
  4.71%
  
  $2575.077/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  6.21%
  
  $2884.29/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.21%
  
  $2884.29/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.74%2 Year Average

$2,582.712 Year Average

$36,794.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.69%
  
  $2571.805/mth
  
  Year 1 3M SORA + 0.980%
- Year 2
  
  4.79%
  
  $2592.735/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  6.21%
  
  $2886.128/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.21%
  
  $2886.128/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.75%2 Year Average

$2,584.892 Year Average

$36,873.37

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.75%
  
  $2584.895/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.75%
  
  $2584.895/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.75%
  
  $3002.303/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  7.75%
  
  $3203.741/mth
  
  Year 4 1M SORA + 4.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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

4.75%2 Year Average

$2,584.892 Year Average

$36,873.37

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.75%
  
  $2584.895/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.75%
  
  $2584.895/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.75%
  
  $3002.303/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.75%
  
  $3002.303/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.79%2 Year Average

$2,593.642 Year Average

$37,188.80

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.79%
  
  $2593.641/mth
  
  Year 1 3M SORA + 1.080%
- Year 2
  
  4.79%
  
  $2593.641/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  6.21%
  
  $2887.136/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.21%
  
  $2887.136/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.86%2 Year Average

$2,608.992 Year Average

$37,740.96

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.81%
  
  $2598.02/mth
  
  Year 1 3M SORA + 1.100%
- Year 2
  
  4.91%
  
  $2619.071/mth
  
  Year 2 3M SORA + 1.200%
- Year 3
  
  5.11%
  
  $2659.598/mth
  
  Year 3 3M SORA + 1.400%
- Year 4
  
  6.21%
  
  $2877.811/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.9%2 Year Average

$2,617.782 Year Average

$38,056.58

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.85%
  
  $2606.79/mth
  
  Year 1 1M SORA + 1.100%
- Year 2
  
  4.95%
  
  $2627.882/mth
  
  Year 2 1M SORA + 1.200%
- Year 3
  
  5.15%
  
  $2668.489/mth
  
  Year 3 1M SORA + 1.400%
- Year 4
  
  6.25%
  
  $2887.134/mth
  
  Year 4 1M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.91%2 Year Average

$2,619.982 Year Average

$38,135.50

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.91%
  
  $2619.976/mth
  
  Year 1 3M SORA + 1.200%
- Year 2
  
  4.91%
  
  $2619.976/mth
  
  Year 2 3M SORA + 1.200%
- Year 3
  
  6.71%
  
  $2996.987/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.71%
  
  $2996.987/mth
  
  Year 4 3M SORA + 3.000%

Features

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

4.93%2 Year Average

$2,624.382 Year Average

$38,293.34

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.88%
  
  $2613.379/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.98%
  
  $2634.501/mth
  
  Year 2 Board Rate
- Year 3
  
  5.88%
  
  $2820.181/mth
  
  Year 3 Board Rate
- Year 4
  
  5.88%
  
  $2820.181/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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 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
  
  4.89%
  
  $2615.577/mth
  
  Year 1 3M SORA + 1.180%
- Year 2
  
  4.99%
  
  $2636.709/mth
  
  Year 2 3M SORA + 1.280%
- Year 3
  
  6.21%
  
  $2890.17/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.21%
  
  $2890.17/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

4.96%2 Year Average

$2,630.992 Year Average

$38,530.14

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.91%
  
  $2619.976/mth
  
  Year 1 3M SORA + 1.200%
- Year 2
  
  5.01%
  
  $2641.128/mth
  
  Year 2 3M SORA + 1.300%
- Year 3
  
  5.06%
  
  $2651.278/mth
  
  Year 3 3M SORA + 1.350%
- Year 4
  
  5.06%
  
  $2651.278/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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
  
  6.58%
  
  $2970.301/mth
  
  Year 3 Board Rate
- Year 4
  
  6.58%
  
  $2970.301/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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

Hong Leong Finance 3M SORA 2 Years Lock In Period

5.01%2 Year Average

$2,642.032 Year Average

$38,924.87

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.01%
  
  $2642.033/mth
  
  Year 1 3M SORA + 1.300%
- Year 2
  
  5.01%
  
  $2642.033/mth
  
  Year 2 3M SORA + 1.300%
- Year 3
  
  6.46%
  
  $2945.057/mth
  
  Year 3 3M SORA + 2.750%
- Year 4
  
  6.46%
  
  $2945.057/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 3M SORA 2 Years Lock In Period

5.11%2 Year Average

$2,664.192 Year Average

$39,714.64

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.11%
  
  $2664.19/mth
  
  Year 1 3M SORA + 1.400%
- Year 2
  
  5.11%
  
  $2664.19/mth
  
  Year 2 3M SORA + 1.400%
- Year 3
  
  6.21%
  
  $2893.547/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.21%
  
  $2893.547/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

5.11%2 Year Average

$2,664.192 Year Average

$39,714.64

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.11%
  
  $2664.19/mth
  
  Year 1 3M SORA + 1.400%
- Year 2
  
  5.11%
  
  $2664.19/mth
  
  Year 2 3M SORA + 1.400%
- Year 3
  
  6.71%
  
  $3001.124/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.71%
  
  $3001.124/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

5.11%2 Year Average

$2,664.192 Year Average

$39,714.64

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.11%
  
  $2664.19/mth
  
  Year 1 3M SORA + 1.400%
- Year 2
  
  5.11%
  
  $2664.19/mth
  
  Year 2 3M SORA + 1.400%
- Year 3
  
  6.56%
  
  $2968.637/mth
  
  Year 3 3M SORA + 2.850%
- Year 4
  
  6.56%
  
  $2968.637/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

Sing Investments & Finance Ltd 3M SORA 2 Years Lock In Period

5.16%2 Year Average

$2,675.312 Year Average

$40,109.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.16%
  
  $2675.306/mth
  
  Year 1 3M SORA + 1.450%
- Year 2
  
  5.16%
  
  $2675.306/mth
  
  Year 2 3M SORA + 1.450%
- Year 3
  
  7.21%
  
  $3111.78/mth
  
  Year 3 3M SORA + 3.500%
- Year 4
  
  8.21%
  
  $3317.482/mth
  
  Year 4 3M SORA + 4.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 Sept and disbursement by 31 December 2023 - 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

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Commercial/Industrial – Refinancing

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