SORA rate | Residential Loan - Home Loan Comparison | Online Property Loan in Singapore

	SIBOR	SOR	SORA
1-month	0.27964	0.30195	0.2021
3-month	0.43643	0.30055	0.1989
6-month	0.59321	0.2955	0.1575
12-month	NA	NA	NA

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

RHB 2YR 1M SIBOR

1.05%2 Year Average

$1,848.512 Year Average

$57,887.93

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.05%
  
  $1848.514/mth
  
  1M SIBOR + 0.80%
- Year 2
  
  1.05%
  
  $1848.514/mth
  
  1M SIBOR + 0.80%
- Year 3
  
  1.20%
  
  $1872.879/mth
  
  1M SIBOR + 0.95%
- Year 4
  
  1.50%
  
  $1916.907/mth
  
  1M SIBOR + 1.25%

Features

Subsidy Comment	- Partial Payment Penalty waiver for 20% of Original Loan amount paid during lock in

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

CITIBANK 2YR 1M SIBOR LOCK-IN Citigold Members/New To Bank with $250k deposits

1.09%2 Year Average

$1,855.682 Year Average

$57,853.63

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.09%
  
  $1855.683/mth
- Year 2
  
  1.09%
  
  $1855.683/mth
- Year 3
  
  1.09%
  
  $1855.683/mth

Features

Subsidy Comment	- Citigold Clients Only Or New To Bank with $250k deposits - Min Loan 800k

Details

Citigold Members/New To Bank with $250k deposits

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

RHB 3YR BOARD

1.15%2 Year Average

$1,866.472 Year Average

$85,309.72

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.15%
  
  $1866.469/mth
  
  Board + 1.150%
- Year 2
  
  1.15%
  
  $1866.469/mth
  
  Board + 1.150%
- Year 3
  
  1.65%
  
  $1949.006/mth
  
  Board + 1.650%
- Year 4
  
  2.28%
  
  $2044.737/mth
  
  Board + 2.280%

Features

Subsidy Comment	- Partial Payment Penalty waiver for 20% of Original Loan amount paid during lock in

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SCB 2YR FIXED

1.25%2 Year Average

$1,884.532 Year Average

$69,140.11

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.25%
  
  $1884.535/mth
- Year 2
  
  1.25%
  
  $1884.535/mth
- Year 3
  
  1.72%
  
  $1962.552/mth
  
  FDR36(SCB) + 1.000%
- Year 4
  
  1.72%
  
  $1962.552/mth
  
  FDR36(SCB) + 1.000%

Features

Subsidy Comment	New Purchase - Free Conversion After Lock In Refi (Min Loan 500k) - Val Sub: $350 - Free Conversion After Lock In Refi (Min Loan $1m) - Val Sub: $500 - Free Conversion After Lock In

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

CIMB 3YR FIXED RATES

1.25%2 Year Average

$1,884.532 Year Average

$68,319.84

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.25%
  
  $1884.535/mth
  
  Fixed Rate = 1.45%
- Year 2
  
  1.25%
  
  $1884.535/mth
  
  Fixed Rate = 1.45%
- Year 3
  
  1.25%
  
  $1884.535/mth
  
  Fixed Rate = 1.45%
- Year 4
  
  1.75%
  
  $1963.12/mth
  
  Board + 1.750% = 1.75%

Features

Subsidy Comment	- Free Conversion within 3 months from lock-in expiry - Loan Amt > $750k - Valuation Subsidy of $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

MAYBANK 1YR 3M SIBOR

1.26%2 Year Average

$1,886.352 Year Average

$67,047.15

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.26%
  
  $1886.348/mth
  
  3M SIBOR + 0.850%
- Year 2
  
  1.26%
  
  $1886.348/mth
  
  3M SIBOR + 0.850%
- Year 3
  
  1.66%
  
  $1952.661/mth
  
  3M SIBOR + 1.250%
- Year 4
  
  1.66%
  
  $1952.661/mth
  
  3M SIBOR + 1.250%

Features

Subsidy Comment	- For S$1M and above loan size - Cash Gift for refinancing of completed properties at 0.40% of loan amount or S$2,000 ( Lowest amount) - Legal subsidy: 0.4% capped at $2,500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SCB 2YR 3M SIBOR

1.26%2 Year Average

$1,886.352 Year Average

$52,723.42

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.26%
  
  $1886.348/mth
  
  3M SIBOR + 0.850%
- Year 2
  
  1.26%
  
  $1886.348/mth
  
  3M SIBOR + 0.850%
- Year 3
  
  1.26%
  
  $1886.348/mth
  
  3M SIBOR + 0.850%
- Year 4
  
  1.26%
  
  $1886.348/mth
  
  3M SIBOR + 0.850%

Features

Subsidy Comment	- Refinancing Only - Min Loan $500k, Valuation Subsidy $350 - Min Loan $1m, Valuation Subsidy $500 - Choose: Free Conversion after Lock-in OR Waiver of Penalty Due to Sale (For SIBOR Only)

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

DBS 3YR FIXED

1.28%2 Year Average

$1,889.982 Year Average

$70,308.30

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.28%
  
  $1889.976/mth
- Year 2
  
  1.28%
  
  $1889.976/mth
- Year 3
  
  1.28%
  
  $1889.976/mth
- Year 4
  
  1.80%
  
  $1971.908/mth
  
  FHR24(DBS) + 0.900%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

DBS 2YR FIXED

1.28%2 Year Average

$1,889.982 Year Average

$72,299.63

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.28%
  
  $1889.976/mth
- Year 2
  
  1.28%
  
  $1889.976/mth
- Year 3
  
  1.80%
  
  $1976.575/mth
  
  FHR24(DBS) + 0.900%
- Year 4
  
  1.80%
  
  $1976.575/mth
  
  FHR24(DBS) + 0.900%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

HONG LEONG FINANCE 2YR FIXED

1.28%2 Year Average

$1,889.982 Year Average

$83,020.65

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.28%
  
  $1889.976/mth
- Year 2
  
  1.28%
  
  $1889.976/mth
- Year 3
  
  1.50%
  
  $1926.316/mth
  
  PPR - 2.50%
- Year 4
  
  2.20%
  
  $2032.085/mth
  
  PPR - 1.80%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

HSBC 2YR FIXED

1.3%2 Year Average

$1,893.612 Year Average

$61,886.57

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.30%
  
  $1893.609/mth
- Year 2
  
  1.30%
  
  $1893.609/mth
- Year 3
  
  1.55%
  
  $1934.991/mth
  
  1M SIBOR + 1.300%
- Year 4
  
  1.50%
  
  $1927.549/mth
  
  1M SIBOR + 1.250%

Features

Subsidy Comment	- Free conversion after lock in period

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

MAYBANK 2YR FIXED

1.3%2 Year Average

$1,893.612 Year Average

$72,465.18

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.30%
  
  $1893.609/mth
- Year 2
  
  1.30%
  
  $1893.609/mth
- Year 3
  
  1.80%
  
  $1976.938/mth
  
  Board + 1.800%
- Year 4
  
  1.80%
  
  $1976.938/mth
  
  Board + 1.800%

Features

Subsidy Comment	- Min Loan Amount = S$100k - Min Loan Tenure = 5 YRS - Cash Gift for refinancing of completed properties at 0.40% of loan amount or S$2,000 ( Lowest amount) - Legal subsidy: 0.4% capped at $2,500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SCB 3YR FIXED

1.3%2 Year Average

$1,893.612 Year Average

$67,948.90

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.30%
  
  $1893.609/mth
- Year 2
  
  1.30%
  
  $1893.609/mth
- Year 3
  
  1.30%
  
  $1893.609/mth
- Year 4
  
  1.72%
  
  $1959.701/mth
  
  FDR36(SCB) + 1.000%

Features

Subsidy Comment	New Purchase - Free Conversion After Lock In Refi (Min Loan 500k) - Val Sub: $350 - Free Conversion After Lock In Refi (Min Loan $1m) - Val Sub: $500 - Free Conversion After Lock In

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

CIMB 2YR FIXED RATES

1.3%2 Year Average

$1,893.612 Year Average

$79,800.96

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.30%
  
  $1893.609/mth
- Year 2
  
  1.30%
  
  $1893.609/mth
- Year 3
  
  2.00%
  
  $2010.9/mth
  
  Board + 2.000% = 2.00%
- Year 4
  
  2.00%
  
  $2010.9/mth
  
  Board + 2.000% = 2.00%

Features

Subsidy Comment	- Free Conversion within 3 months from lock-in expiry - Loan Amt > $750k - Valuation Subsidy of $500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

MAYBANK 3YR FIXED

1.3%2 Year Average

$1,893.612 Year Average

$70,550.09

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.30%
  
  $1893.609/mth
- Year 2
  
  1.30%
  
  $1893.609/mth
- Year 3
  
  1.30%
  
  $1893.609/mth
- Year 4
  
  1.80%
  
  $1972.452/mth
  
  Board + 1.800% = 1.80%

Features

Subsidy Comment	- Min Loan Amount = S$100k - Min Loan Tenure = 5 YRS - Cash Gift for refinancing of completed properties at 0.40% of loan amount or S$2,000 ( Lowest amount) - Legal subsidy: 0.4% capped at $2,500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

HSBC 2YR 1M SIBOR

1.3%2 Year Average

$1,893.612 Year Average

$54,466.21

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.30%
  
  $1893.609/mth
  
  1M SIBOR + 1.050%
- Year 2
  
  1.30%
  
  $1893.609/mth
  
  1M SIBOR + 1.050%
- Year 3
  
  1.30%
  
  $1893.609/mth
  
  1M SIBOR + 1.050%
- Year 4
  
  1.30%
  
  $1893.609/mth
  
  1M SIBOR + 1.050%

Features

Subsidy Comment	- 1 x Free Conversion Anytime - SmartMortgage interest offset feature (Not applicable for Equity Loan) - Partial Payment up to 30% of Original Loan amount during lock in - 50% Waiver of Penalty Due to Sale

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

UOB 2YR FIXED

1.35%2 Year Average

$1,902.712 Year Average

$71,154.74

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.35%
  
  $1902.711/mth
- Year 2
  
  1.35%
  
  $1902.711/mth
- Year 3
  
  1.35%
  
  $1902.711/mth
  
  MLCR + 0.50%
- Year 4
  
  1.80%
  
  $1973.81/mth
  
  MLCR + 0.50%

Features

Subsidy Comment	- 1 x Free Conversion After Lock in Period

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

UOB 3 MONTH COMPOUNDED SORA HOME LOAN NEW

1.36%2 Year Average

$1,904.532 Year Average

$62,816.85

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.36%
  
  $1904.535/mth
  
  3M Compounded SORA + 1.25% p.a..
- Year 2
  
  1.36%
  
  $1904.535/mth
  
  3M Compounded SORA + 1.25% p.a.
- Year 3
  
  1.52%
  
  $1931.056/mth
  
  3M Compounded SORA + 1.40% p.a.
- Year 4
  
  1.52%
  
  $1931.056/mth
  
  3M Compounded SORA + 1.40% p.a.

Features

Legal subsidy	For refinancing only, 0.4% of loan amount
Legal Fee Subsidy	Capped at $1,800, subject to 3 year clawback.
Subsidy Comment	For refinancing only, 0.4% of loan amount capped at $1,800, subject to 3 year clawback. Above rates quoted are indicative and valid for completed residential properties in Singapore, for new purchase or refinancing from another bank/HDB. 1 free conv
Clawback	1 yr

Details

*NEW*

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

OCBC 2YR 3M SORA

1.37%2 Year Average

$1,906.362 Year Average

$62,888.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.32%
  
  $1897.247/mth
  
  3m SORA + 1.200%
- Year 2
  
  1.42%
  
  $1914.628/mth
  
  3m SORA + 1.300%
- Year 3
  
  1.52%
  
  $1931.233/mth
  
  3m SORA + 1.400%
- Year 4
  
  1.52%
  
  $1931.233/mth
  
  3m SORA + 1.400%

Features

Subsidy Comment	- Free Conversion After 12 months - 50% Partial Payment Penalty Waiver

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

BOC 2YR 3M SIBOR

1.38%2 Year Average

$1,908.192 Year Average

$58,678.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.38%
  
  $1908.185/mth
  
  3M SIBOR + 1.00%
- Year 2
  
  1.38%
  
  $1908.185/mth
  
  3M SIBOR + 1.00%
- Year 3
  
  1.40%
  
  $1911.492/mth
  
  3M SIBOR + 1.00%
- Year 4
  
  1.40%
  
  $1911.492/mth
  
  3M SIBOR + 1.00%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

OCBC 1YR BOARD

1.4%2 Year Average

$1,911.842 Year Average

$72,161.34

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.40%
  
  $1911.84/mth
  
  Board + 1.400%
- Year 2
  
  1.40%
  
  $1911.84/mth
  
  Board + 1.400%
- Year 3
  
  1.60%
  
  $1945.112/mth
  
  Board + 1.600%
- Year 4
  
  1.80%
  
  $1975.176/mth
  
  Board + 1.800%

Features

Subsidy Comment	- 1 x Free Conversion after 1 year lock in or when MBR increase - Waiver of Partial Payment Penalty for 1st 50% of loan

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SCB 2YR FDR36

1.4%2 Year Average

$1,911.842 Year Average

$58,841.70

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
  
  1.40%
  
  $1911.84/mth
  
  FDR36(SCB) + 0.680%
- Year 4
  
  1.40%
  
  $1911.84/mth
  
  FDR36(SCB) + 0.680%

Features

Subsidy Comment	- Refinancing Only - Min Loan $600k, Valuation Subsidy $350 - Min Loan $1m, Valuation Subsidy $500 - Choose: Free Conversion after Lock-in OR Waiver of Penalty Due to Sale (For SIBOR Only)

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

MAYBANK 4YR FIXED

1.4%2 Year Average

$1,911.842 Year Average

$58,841.70

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.40%
  
  $1911.84/mth
- Year 2
  
  1.40%
  
  $1911.84/mth
- Year 3
  
  1.40%
  
  $1911.84/mth
- Year 4
  
  1.40%
  
  $1911.84/mth

Features

Subsidy Comment	- Min Loan Amount = S$100k - Min Loan Tenure = 5 YRS - Cash Gift for refinancing of completed properties at 0.40% of loan amount or S$2,000 ( Lowest amount) - Legal subsidy: 0.4% capped at $2,500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

MAYBANK 5YR FIXED

1.4%2 Year Average

$1,911.842 Year Average

$58,841.70

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.40%
  
  $1911.84/mth
- Year 2
  
  1.40%
  
  $1911.84/mth
- Year 3
  
  1.40%
  
  $1911.84/mth
- Year 4
  
  1.40%
  
  $1911.84/mth

Features

Subsidy Comment	- Min Loan Amount = S$100k - Min Loan Tenure = 5 YRS - Cash Gift for refinancing of completed properties at 0.40% of loan amount or S$2,000 ( Lowest amount) - Legal subsidy: 0.4% capped at $2,500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

UOB 2YR 3M SIBOR

1.4%2 Year Average

$1,911.842 Year Average

$58,841.70

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.40%
  
  $1911.84/mth
  
  3M SIBOR + 1.00%
- Year 2
  
  1.40%
  
  $1911.84/mth
  
  3M SIBOR + 1.00%
- Year 3
  
  1.40%
  
  $1911.84/mth
  
  3M SIBOR + 1.00%
- Year 4
  
  1.40%
  
  $1911.84/mth
  
  3M SIBOR + 1.00%

Features

Subsidy Comment	- 1x Free Conversion After Lock in period - Partial Pre-Payment During Lock in allowed

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

OCBC 2YR 3M SIBOR

1.41%2 Year Average

$1,913.672 Year Average

$59,280.70

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.41%
  
  $1913.67/mth
  
  3M SIBOR + 1.000%
- Year 2
  
  1.41%
  
  $1913.67/mth
  
  3M SIBOR + 1.000%
- Year 3
  
  1.41%
  
  $1913.67/mth
  
  3M SIBOR + 1.000%
- Year 4
  
  1.41%
  
  $1913.67/mth
  
  3M SIBOR + 1.000%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

OCBC 2YR FIXED

1.45%2 Year Average

$1,921.002 Year Average

$72,574.88

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.45%
  
  $1920.997/mth
- Year 2
  
  1.45%
  
  $1920.997/mth
- Year 3
  
  1.60%
  
  $1945.996/mth
  
  Board + 1.600%
- Year 4
  
  1.80%
  
  $1976.073/mth
  
  Board + 1.800%

Features

Subsidy Comment	- Free Conversion if MBR increase

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

OCBC 3YR FIXED

1.45%2 Year Average

$1,921.002 Year Average

$72,364.76

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.45%
  
  $1920.997/mth
- Year 2
  
  1.45%
  
  $1920.997/mth
- Year 3
  
  1.45%
  
  $1920.997/mth
- Year 4
  
  1.80%
  
  $1976.514/mth
  
  Board + 1.800%

Features

Subsidy Comment	- Free Conversion if MBR increase

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

RHB 1YR FIXED

1.475%2 Year Average

$1,925.592 Year Average

$89,212.86

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.45%
  
  $1920.997/mth
  
  Fixed Rate
- Year 2
  
  1.50%
  
  $1929.746/mth
  
  Board + 1.500%
- Year 3
  
  1.65%
  
  $1954.818/mth
  
  Board + 1.650%
- Year 4
  
  2.28%
  
  $2056.599/mth
  
  Board + 2.280%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

BOC 2YR FIXED

1.48%2 Year Average

$1,926.502 Year Average

$59,493.72

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.48%
  
  $1926.505/mth
- Year 2
  
  1.48%
  
  $1926.505/mth
- Year 3
  
  1.40%
  
  $1913.23/mth
  
  3M SIBOR + 0.85%
- Year 4
  
  1.40%
  
  $1913.23/mth
  
  3M SIBOR + 0.85%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

CIMB 2YR 1M SIBOR For CIMB Preferred Customers

1.5%2 Year Average

$1,930.182 Year Average

$72,970.14

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.50%
  
  $1930.182/mth
  
  1M SIBOR + 1.250% = 1.50%
- Year 2
  
  1.50%
  
  $1930.182/mth
  
  1M SIBOR + 1.250% = 1.50%
- Year 3
  
  1.50%
  
  $1930.182/mth
  
  1M SIBOR + 1.250% = 1.50%
- Year 4
  
  1.80%
  
  $1977.861/mth
  
  1M SIBOR + 1.550% = 1.80%

Features

Subsidy Comment	Existing CIMB Preferred Customer ($250k AUM to qualify)

Details

For CIMB Preferred Customers

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

CITIBANK 2YR 1M SIBOR

1.5%2 Year Average

$1,930.182 Year Average

$63,243.59

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.50%
  
  $1930.182/mth
  
  1M SIBOR + 1.250%
- Year 2
  
  1.50%
  
  $1930.182/mth
  
  1M SIBOR + 1.250%
- Year 3
  
  1.50%
  
  $1930.182/mth
  
  1M SIBOR + 1.250%
- Year 4
  
  1.50%
  
  $1930.182/mth
  
  1M SIBOR + 1.250%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

DBS 5YR FIXED

1.5%2 Year Average

$1,930.182 Year Average

$63,243.59

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
  
  1.50%
  
  $1930.182/mth
- Year 4
  
  1.50%
  
  $1930.182/mth

Features

Subsidy Comment	- Waiver of penalty due to sale - Free Conversion after 30 months - Partial Payment Allowed during Lock in

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

DBS 2YR FHR24

1.5%2 Year Average

$1,930.182 Year Average

$74,121.25

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.50%
  
  $1930.182/mth
  
  FHR24(DBS) + 0.600%
- Year 2
  
  1.50%
  
  $1930.182/mth
  
  FHR24(DBS) + 0.600%
- Year 3
  
  1.80%
  
  $1980.541/mth
  
  FHR24(DBS) + 0.900%
- Year 4
  
  1.80%
  
  $1980.541/mth
  
  FHR24(DBS) + 0.900%

Features

Subsidy Comment	- Waiver of Penalty Due to Sale - 1 x Free conversion after 2 years

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SCB 5YR FIXED

1.55%2 Year Average

$1,939.392 Year Average

$65,454.43

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.55%
  
  $1939.393/mth
- Year 2
  
  1.55%
  
  $1939.393/mth
- Year 3
  
  1.55%
  
  $1939.393/mth
- Year 4
  
  1.55%
  
  $1939.393/mth

Features

Subsidy Comment	- Refinancing Only - Min Loan $500k, Valuation Subsidy $350 - Min Loan $1m, Valuation Subsidy $500 - Choose: Free Conversion after Lock-in OR Waiver of Penalty Due to Sale (For SIBOR Only)

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

CITIBANK 2YR FIXED

1.55%2 Year Average

$1,939.392 Year Average

$63,652.88

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
  
  1.50%
  
  $1931.053/mth
  
  1M SIBOR + 1.250%
- Year 4
  
  1.50%
  
  $1931.053/mth
  
  1M SIBOR + 1.250%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

HSBC 3YR FIXED

1.55%2 Year Average

$1,939.392 Year Average

$63,842.61

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
  
  1.55%
  
  $1939.393/mth
- Year 4
  
  1.50%
  
  $1931.492/mth
  
  1M SIBOR + 1.250%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

MAYBANK 2YR BOARD

1.6%2 Year Average

$1,948.632 Year Average

$76,781.35

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
  
  1.85%
  
  $1990.806/mth
  
  Board + 1.850%
- Year 4
  
  1.85%
  
  $1990.806/mth
  
  Board + 1.850%

Features

Subsidy Comment	- Legal subsidy: 0.4% capped at $2,500

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

CITIBANK 3YR FIXED

1.65%2 Year Average

$1,957.902 Year Average

$65,041.41

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.65%
  
  $1957.9/mth
- Year 2
  
  1.65%
  
  $1957.9/mth
- Year 3
  
  1.65%
  
  $1957.9/mth
- Year 4
  
  1.50%
  
  $1934.103/mth
  
  1M SIBOR + 1.250%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

CIMB 2YR 1M SIBOR For Credit Card Members

1.7%2 Year Average

$1,967.192 Year Average

$75,394.05

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.70%
  
  $1967.194/mth
  
  1M SIBOR + 1.450% = 1.70%
- Year 2
  
  1.70%
  
  $1967.194/mth
  
  1M SIBOR + 1.450% = 1.70%
- Year 3
  
  1.70%
  
  $1967.194/mth
  
  1M SIBOR + 1.450% = 1.70%
- Year 4
  
  1.80%
  
  $1983.211/mth
  
  1M SIBOR + 1.550% = 1.80%

Features

Subsidy Comment	Must be a credit card customer (New or Existing) and fulfil 1 of the 3 criteria below (1) $350k AUM (2) Min Annual Income $60k (3) Min Loan amount $850k

Details

For Credit Card Members

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

DBS NO LOCK-IN FHR24

1.8%2 Year Average

$1,985.862 Year Average

$76,607.41

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.80%
  
  $1985.864/mth
  
  FHR24(DBS) + 0.900%
- Year 2
  
  1.80%
  
  $1985.864/mth
  
  FHR24(DBS) + 0.900%
- Year 3
  
  1.80%
  
  $1985.864/mth
  
  FHR24(DBS) + 0.900%
- Year 4
  
  1.80%
  
  $1985.864/mth
  
  FHR24(DBS) + 0.900%

Features

Subsidy Comment	-1 x Free Conversion During Progressive Payment -1 x Free Conversion Within 6mth from TOP

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

CIMB 2YR 1M SIBOR

1.8%2 Year Average

$1,985.862 Year Average

$76,607.41

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.80%
  
  $1985.864/mth
  
  1M SIBOR + 1.550% = 1.80%
- Year 2
  
  1.80%
  
  $1985.864/mth
  
  1M SIBOR + 1.550% = 1.80%
- Year 3
  
  1.80%
  
  $1985.864/mth
  
  1M SIBOR + 1.550% = 1.80%
- Year 4
  
  1.80%
  
  $1985.864/mth
  
  1M SIBOR + 1.550% = 1.80%

Features

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

CIMB 2YR BOARD

2.15%2 Year Average

$2,052.072 Year Average

$106,044.39

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.15%
  
  $2052.072/mth
  
  Board + 2.150% = 2.15%
- Year 2
  
  2.15%
  
  $2052.072/mth
  
  Board + 2.150% = 2.15%
- Year 3
  
  2.15%
  
  $2052.072/mth
  
  Board + 2.150% = 2.15%
- Year 4
  
  2.55%
  
  $2118.479/mth
  
  Board + 2.550% = 2.55%

Features

Subsidy Comment	- Free interest on every sunday for 1st year, effective interest for year 1 = 1.84%

Details

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SINGAPURA FINANCE 2YR BOARD For Owners Occupation

2.18%2 Year Average

$2,057.812 Year Average

$155,129.69

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.08%
  
  $2038.723/mth
- Year 2
  
  2.28%
  
  $2075.222/mth
  
  Board + 2.280%
- Year 3
  
  3.75%
  
  $2341.492/mth
  
  Board + 3.750%
- Year 4
  
  3.75%
  
  $2341.492/mth
  
  Board + 3.750%

Features

Subsidy Comment	- For Owners Occupation

Details

For Owners Occupation

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SINGAPURA FINANCE 3YR BOARD For Owners' Occupation

2.18%2 Year Average

$2,057.812 Year Average

$149,880.10

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.08%
  
  $2038.723/mth
- Year 2
  
  2.28%
  
  $2075.222/mth
  
  Board + 2.280%
- Year 3
  
  2.48%
  
  $2110.317/mth
  
  Board + 2.480%
- Year 4
  
  3.75%
  
  $2329.358/mth
  
  Board + 3.750%

Features

Subsidy Comment	- For Owners' Occupation

Details

For Owners' Occupation

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SINGAPURA FINANCE 2YR BOARD For Investment Purposes

2.375%2 Year Average

$2,095.342 Year Average

$156,869.49

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.25%
  
  $2071.233/mth
- Year 2
  
  2.50%
  
  $2117.373/mth
  
  Board + 2.500%
- Year 3
  
  3.75%
  
  $2345.399/mth
  
  Board + 3.750%
- Year 4
  
  3.75%
  
  $2345.399/mth
  
  Board + 3.750%

Features

Subsidy Comment	- For Investment Purposes

Details

For Investment Purposes

Bank
Interest
Monthly Repayment
Total Interest Payable
Type

SINGAPURA FINANCE 3YR BOARD For Investment Purposes

2.375%2 Year Average

$2,095.342 Year Average

$153,768.35

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.25%
  
  $2071.233/mth
  
  Board + 2.250%
- Year 2
  
  2.50%
  
  $2117.373/mth
  
  Board + 2.500%
- Year 3
  
  3.00%
  
  $2206.918/mth
  
  Board + 3.000%
- Year 4
  
  3.75%
  
  $2338.343/mth
  
  Board + 3.750%

Features

Subsidy Comment	- For Investment Purposes

Details

For Investment Purposes

Residential Loan/Property Loan – New Purchase

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