Commercial/Industrial - New Purchase - Industrial Property Loan Singapore

	SIBOR	COMPOUNDED SORA
1-month	4.025	3.7698
3-month	4.05644	3.7479
6-month	NA	3.7308
12-month	NA	NA

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Standard Chartered Fixed 2 Years Lock In Period

Featured Package

3.93%2 Year Average

$2,409.192 Year Average

$30,422.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.98%
  
  $2418.804/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.46%
  
  $2712.966/mth
  
  Year 3 3M SORA + 1.780%
- Year 4
  
  5.46%
  
  $2712.966/mth
  
  Year 4 3M SORA + 1.780%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

3.78%2 Year Average

$2,377.802 Year Average

$29,245.36

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.78%
  
  $2377.803/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.78%
  
  $2377.803/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.73%
  
  $2976.708/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.73%
  
  $2976.708/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - 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

Standard Chartered Fixed 2 Years Lock In Period

3.8%2 Year Average

$2,381.972 Year Average

$29,402.21

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.80%
  
  $2381.975/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.80%
  
  $2381.975/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.48%
  
  $2513.584/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  5.03%
  
  $2612.404/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

Standard Chartered Fixed 2 Years Lock In Period

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.68%
  
  $2554.61/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  5.03%
  
  $2617.879/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.73%
  
  $2978.97/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.73%
  
  $2978.97/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - 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 2 Years Lock In Period

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.68%
  
  $2968.209/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.68%
  
  $2968.209/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.88%
  
  $2398.703/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.68%
  
  $2939.318/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.08%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
  
  4.08%
  
  $2440.816/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.68%
  
  $2945.999/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.08%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
  
  6.68%
  
  $2972.668/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.68%
  
  $2972.668/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

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
  
  6.68%
  
  $2974.213/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.68%
  
  $2974.213/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - 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

Maybank 2 Years Fixed 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
  
  6.58%
  
  $2953.362/mth
  
  Year 3 Board Rate
- Year 4
  
  6.58%
  
  $2953.362/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - 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 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
  
  6.78%
  
  $2998.009/mth
  
  Year 3 3M SORA + 3.100%
- Year 4
  
  6.78%
  
  $2998.009/mth
  
  Year 4 3M SORA + 3.100%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - 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

4.25%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
  
  5.03%
  
  $2631.812/mth
  
  Year 3 3M SORA + 1.350%
- Year 4
  
  5.03%
  
  $2631.812/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.33%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 1M SORA + 0.500%
- Year 2
  
  4.43%
  
  $2513.69/mth
  
  Year 2 1M SORA + 0.700%
- Year 3
  
  6.23%
  
  $2881.893/mth
  
  Year 3 1M SORA + 2.500%
- Year 4
  
  6.23%
  
  $2881.893/mth
  
  Year 4 1M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

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
  
  5.68%
  
  $2767.483/mth
  
  Year 3 3M SORA + 2.000%
- Year 4
  
  5.68%
  
  $2767.483/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 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 April and disbursement by 31 July 2024 +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 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
  
  6.18%
  
  $2872.333/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.18%
  
  $2872.333/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.43%2 Year Average

$2,515.512 Year Average

$34,352.30

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.33%
  
  $2494.039/mth
  
  Year 1 1M SORA + 0.600%
- Year 2
  
  4.53%
  
  $2535.261/mth
  
  Year 2 1M SORA + 0.800%
- Year 3
  
  6.23%
  
  $2883.988/mth
  
  Year 3 1M SORA + 2.500%
- Year 4
  
  6.23%
  
  $2883.988/mth
  
  Year 4 1M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.48%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
  
  6.18%
  
  $2857.467/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.48%2 Year Average

$2,526.282 Year Average

$34,745.93

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.48%
  
  $2526.281/mth
  
  Year 1 3M SORA + 0.800%
- Year 2
  
  4.48%
  
  $2526.281/mth
  
  Year 2 3M SORA + 0.800%
- Year 3
  
  6.68%
  
  $2981.392/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.68%
  
  $2981.392/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - 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 3M SORA 2 Years Lock In Period

4.58%2 Year Average

$2,547.902 Year Average

$35,533.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.53%
  
  $2537.08/mth
  
  Year 1 3M SORA + 0.850%
- Year 2
  
  4.63%
  
  $2557.847/mth
  
  Year 2 3M SORA + 0.950%
- Year 3
  
  5.46%
  
  $2725.944/mth
  
  Year 3 3M SORA + 1.780%
- Year 4
  
  5.46%
  
  $2725.944/mth
  
  Year 4 3M SORA + 1.780%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

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
  
  6.18%
  
  $2876.476/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.18%
  
  $2876.476/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

CIMB 3M SORA 2 Years Lock In Period

4.58%2 Year Average

$2,547.902 Year Average

$35,533.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.58%
  
  $2547.903/mth
  
  Year 1 3M SORA + 0.900%
- Year 2
  
  4.58%
  
  $2547.903/mth
  
  Year 2 3M SORA + 0.900%
- Year 3
  
  6.78%
  
  $3005.187/mth
  
  Year 3 3M SORA + 3.100%
- Year 4
  
  6.78%
  
  $3005.187/mth
  
  Year 4 3M SORA + 3.100%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - 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 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 April and disbursement by 31 July 2024 +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

4.62%2 Year Average

$2,556.582 Year Average

$35,848.66

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.56%
  
  $2543.571/mth
  
  Year 1 3M SORA + 0.980%
- Year 2
  
  4.68%
  
  $2568.54/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  6.18%
  
  $2877.307/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.18%
  
  $2877.307/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.62%2 Year Average

$2,556.582 Year Average

$35,848.66

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.56%
  
  $2543.571/mth
  
  Year 1 3M SORA + 0.880%
- Year 2
  
  4.68%
  
  $2568.54/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  6.18%
  
  $2877.307/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.18%
  
  $2877.307/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.655%2 Year Average

$2,564.192 Year Average

$36,124.47

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.63%
  
  $2558.753/mth
  
  Year 1 1M SORA + 0.900%
- Year 2
  
  4.68%
  
  $2569.176/mth
  
  Year 2 1M SORA + 0.950%
- Year 3
  
  4.73%
  
  $2579.161/mth
  
  Year 3 1M SORA + 1.000%
- Year 4
  
  6.23%
  
  $2873.781/mth
  
  Year 4 1M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.68%2 Year Average

$2,569.632 Year Average

$36,321.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

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

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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 2 Years Lock In Period

4.73%2 Year Average

$2,580.532 Year Average

$36,715.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.73%
  
  $2580.527/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.73%
  
  $2580.527/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.23%
  
  $2890.168/mth
  
  Year 3 1M SORA + 2.500%
- Year 4
  
  6.23%
  
  $2890.168/mth
  
  Year 4 1M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.73%2 Year Average

$2,580.532 Year Average

$36,715.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.73%
  
  $2580.527/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.73%
  
  $2580.527/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.73%
  
  $2997.543/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  7.73%
  
  $3198.791/mth
  
  Year 4 1M SORA + 4.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - 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

4.73%2 Year Average

$2,580.532 Year Average

$36,715.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.73%
  
  $2580.527/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.73%
  
  $2580.527/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.73%
  
  $2997.543/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.73%
  
  $2997.543/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.73%2 Year Average

$2,580.532 Year Average

$36,715.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.73%
  
  $2580.527/mth
  
  Year 1 3M SORA + 1.050%
- Year 2
  
  4.73%
  
  $2580.527/mth
  
  Year 2 3M SORA + 1.050%
- Year 3
  
  4.73%
  
  $2580.527/mth
  
  Year 3 3M SORA + 1.050%
- Year 4
  
  6.18%
  
  $2865.198/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.76%2 Year Average

$2,587.082 Year Average

$36,952.21

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.76%
  
  $2587.08/mth
  
  Year 1 3M SORA + 1.080%
- Year 2
  
  4.76%
  
  $2587.08/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  6.18%
  
  $2880.153/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.18%
  
  $2880.153/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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 2 Years Lock In Period

4.78%2 Year Average

$2,591.452 Year Average

$37,109.94

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.78%
  
  $2591.453/mth
  
  Year 1 3M SORA + 1.100%
- Year 2
  
  4.78%
  
  $2591.453/mth
  
  Year 2 3M SORA + 1.100%
- Year 3
  
  6.18%
  
  $2880.558/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.18%
  
  $2880.558/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.88%2 Year Average

$2,613.382 Year Average

$37,898.77

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.88%
  
  $2613.379/mth
  
  Year 1 3M SORA + 1.200%
- Year 2
  
  4.88%
  
  $2613.379/mth
  
  Year 2 3M SORA + 1.200%
- Year 3
  
  6.68%
  
  $2989.859/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.68%
  
  $2989.859/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

4.91%2 Year Average

$2,619.982 Year Average

$38,135.50

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.86%
  
  $2608.986/mth
  
  Year 1 3M SORA + 1.180%
- Year 2
  
  4.96%
  
  $2630.087/mth
  
  Year 2 3M SORA + 1.280%
- Year 3
  
  6.18%
  
  $2883.187/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.18%
  
  $2883.187/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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 April and disbursement by 31 July 2024 - 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

Standard Chartered 3M SORA 2 Years Lock In Period

4.93%2 Year Average

$2,624.382 Year Average

$38,293.34

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.88%
  
  $2613.379/mth
  
  Year 1 3M SORA + 1.200%
- Year 2
  
  4.98%
  
  $2634.501/mth
  
  Year 2 3M SORA + 1.300%
- Year 3
  
  5.03%
  
  $2644.635/mth
  
  Year 3 3M SORA + 1.350%
- Year 4
  
  5.03%
  
  $2644.635/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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 April and disbursement by 31 July 2024 - 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

4.98%2 Year Average

$2,635.412 Year Average

$38,688.01

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.98%
  
  $2635.406/mth
  
  Year 1 3M SORA + 1.300%
- Year 2
  
  4.98%
  
  $2635.406/mth
  
  Year 2 3M SORA + 1.300%
- Year 3
  
  6.43%
  
  $2938.002/mth
  
  Year 3 3M SORA + 2.750%
- Year 4
  
  6.43%
  
  $2938.002/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

5.08%2 Year Average

$2,657.532 Year Average

$39,477.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.08%
  
  $2657.532/mth
  
  Year 1 3M SORA + 1.400%
- Year 2
  
  5.08%
  
  $2657.532/mth
  
  Year 2 3M SORA + 1.400%
- Year 3
  
  6.18%
  
  $2886.565/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.18%
  
  $2886.565/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +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

5.08%2 Year Average

$2,657.532 Year Average

$39,477.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.08%
  
  $2657.532/mth
  
  Year 1 3M SORA + 1.400%
- Year 2
  
  5.08%
  
  $2657.532/mth
  
  Year 2 3M SORA + 1.400%
- Year 3
  
  6.53%
  
  $2961.553/mth
  
  Year 3 3M SORA + 2.850%
- Year 4
  
  6.53%
  
  $2961.553/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

5.13%2 Year Average

$2,668.632 Year Average

$39,872.64

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.13%
  
  $2668.633/mth
  
  Year 1 3M SORA + 1.450%
- Year 2
  
  5.13%
  
  $2668.633/mth
  
  Year 2 3M SORA + 1.450%
- Year 3
  
  7.18%
  
  $3104.511/mth
  
  Year 3 3M SORA + 3.500%
- Year 4
  
  8.18%
  
  $3309.932/mth
  
  Year 4 3M SORA + 4.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - 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

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