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

	SIBOR	SORA
1-month	0.265	0.1486
3-month	0.43607	0.1695
6-month	0.59193	0.1835
12-month	NA	NA

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 2YR 1M SORA

0.85%2 Year Average

$1,812.932 Year Average

$6,499.40

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  0.85%
  
  $1812.934/mth
  
  1m SORA + 0.700%
- Year 2
  
  0.85%
  
  $1812.934/mth
  
  1m SORA + 0.700%
- Year 3
  
  1.40%
  
  $1902.107/mth
  
  1m SORA + 1.250%
- Year 4
  
  1.40%
  
  $1902.107/mth
  
  1m SORA + 1.250%

Features

Subsidy Comment	- 1 x Free Conversion Anytime - Partial Payment up to 30% of Original Loan amount during lock in - 50% Waiver of Penalty Due to Sale for Loan < $800k - 100% Waiver of Penalty Due to Sale for Loan > $800k

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR 3M SORA

0.96%2 Year Average

$1,832.452 Year Average

$7,344.08

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  0.96%
  
  $1832.448/mth
  
  3m SORA + 0.800%
- Year 2
  
  0.96%
  
  $1832.448/mth
  
  3m SORA + 0.800%
- Year 3
  
  1.41%
  
  $1905.727/mth
  
  3m SORA + 1.250%
- Year 4
  
  1.41%
  
  $1905.727/mth
  
  3m SORA + 1.250%

Features

Subsidy Comment	- Free Conversion after Lock In - Valuation Subsidy for Refinancing (Min Loan $500k)

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2YR 3M SORA

0.96%2 Year Average

$1,832.452 Year Average

$7,344.08

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  0.96%
  
  $1832.448/mth
  
  3m SORA + 0.800%
- Year 2
  
  0.96%
  
  $1832.448/mth
  
  3m SORA + 0.800%
- Year 3
  
  1.16%
  
  $1864.791/mth
  
  3m SORA + 1.000%
- Year 4
  
  1.16%
  
  $1864.791/mth
  
  3m SORA + 1.000%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 2YR 3M SORA

0.96%2 Year Average

$1,832.452 Year Average

$7,344.08

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  0.96%
  
  $1832.448/mth
  
  3m SORA + 0.800%
- Year 2
  
  0.96%
  
  $1832.448/mth
  
  3m SORA + 0.800%
- Year 3
  
  1.51%
  
  $1922.26/mth
  
  3m SORA + 1.350%
- Year 4
  
  1.51%
  
  $1922.26/mth
  
  3m SORA + 1.350%

Features

Subsidy Comment	- 1 x Free Conversion Anytime - Partial Payment up to 30% of Original Loan amount during lock in - 50% Waiver of Penalty Due to Sale (Loan Less Than $800k) - 100% Waiver of Penalty Due to Sale (Loan More Than $800k)

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CITIBANK 2YR 1M SORA

1%2 Year Average

$1,839.582 Year Average

$7,651.44

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.00%
  
  $1839.577/mth
  
  1m SORA + 0.850%
- Year 2
  
  1.00%
  
  $1839.577/mth
  
  1m SORA + 0.850%
- Year 3
  
  1.45%
  
  $1913.046/mth
  
  1m SORA + 1.300%
- Year 4
  
  1.45%
  
  $1913.046/mth
  
  1m SORA + 1.300%

Features

Subsidy Comment	- 1 x Free Conversion after 12 months

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3YR 3M SORA

1.01%2 Year Average

$1,841.362 Year Average

$7,728.29

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.01%
  
  $1841.362/mth
  
  3m SORA + 0.850%
- Year 2
  
  1.01%
  
  $1841.362/mth
  
  3m SORA + 0.850%
- Year 3
  
  1.01%
  
  $1841.362/mth
  
  3m SORA + 0.850%
- Year 4
  
  1.41%
  
  $1903.082/mth
  
  3m SORA + 1.250%

Features

Subsidy Comment	- Partial payment penalty waiver (20% of Original Loan Amount)

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 2YR 3M SORA

1.01%2 Year Average

$1,841.362 Year Average

$7,728.29

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.01%
  
  $1841.362/mth
  
  3m SORA + 0.850%
- Year 2
  
  1.01%
  
  $1841.362/mth
  
  3m SORA + 0.850%
- Year 3
  
  1.41%
  
  $1906.62/mth
  
  3m SORA + 1.250%
- Year 4
  
  1.41%
  
  $1906.62/mth
  
  3m SORA + 1.250%

Features

Subsidy Comment	- Partial payment penalty waiver (20% of Original Loan Amount)

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CITIBANK 2YR 3M SORA

1.01%2 Year Average

$1,841.362 Year Average

$7,728.29

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.01%
  
  $1841.362/mth
  
  3m SORA + 0.850%
- Year 2
  
  1.01%
  
  $1841.362/mth
  
  3m SORA + 0.850%
- Year 3
  
  1.46%
  
  $1914.879/mth
  
  3m SORA + 1.300%
- Year 4
  
  1.46%
  
  $1914.879/mth
  
  3m SORA + 1.300%

Features

Subsidy Comment	- 1 x Free Conversion after 12months

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3YR FHR6

1.025%2 Year Average

$1,844.042 Year Average

$7,843.59

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.00%
  
  $1839.577/mth
  
  FHR6 (DBS) + 0.800%
- Year 2
  
  1.05%
  
  $1848.083/mth
  
  FHR6 (DBS) + 0.850%
- Year 3
  
  1.10%
  
  $1856.18/mth
  
  FHR6 (DBS) + 0.900%
- Year 4
  
  1.20%
  
  $1871.57/mth
  
  FHR6 (DBS) + 1.000%

Features

Subsidy Comment	- Interest Capped 1.80% for 3 years - Waiver of Penalty due to sale

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2YR 1M SORA

1.05%2 Year Average

$1,848.512 Year Average

$8,035.78

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.05%
  
  $1848.514/mth
  
  1m SORA + 0.900%
- Year 2
  
  1.05%
  
  $1848.514/mth
  
  1m SORA + 0.900%
- Year 3
  
  1.35%
  
  $1897.448/mth
  
  1m SORA + 1.200%
- Year 4
  
  1.35%
  
  $1897.448/mth
  
  1m SORA + 1.200%

Features

Subsidy Comment	- Free Conversion after 12 months - Prepayment Penalty Waiver - Up to 50% of Original Loan Amount

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2YR FHR6

1.05%2 Year Average

$1,848.512 Year Average

$8,035.78

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.00%
  
  $1839.577/mth
  
  FHR6 (DBS) + 0.800%
- Year 2
  
  1.10%
  
  $1856.613/mth
  
  FHR6 (DBS) + 0.900%
- Year 3
  
  1.20%
  
  $1872.879/mth
  
  FHR6 (DBS) + 1.000%
- Year 4
  
  1.20%
  
  $1872.879/mth
  
  FHR6 (DBS) + 1.000%

Features

Subsidy Comment	- Waiver of Penalty Due to Sale

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 1YR 3M SORA

1.06%2 Year Average

$1,850.302 Year Average

$8,112.66

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.06%
  
  $1850.304/mth
  
  3m SORA + 0.900%
- Year 2
  
  1.06%
  
  $1850.304/mth
  
  3m SORA + 0.900%
- Year 3
  
  1.56%
  
  $1932.366/mth
  
  3m SORA + 1.400%
- Year 4
  
  1.56%
  
  $1932.366/mth
  
  3m SORA + 1.400%

Features

Subsidy Comment	- Free Conversion after Lock In - Partial Payment Penalty Waiver up to 50% of Loan Prepaid during Lock In

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR FDR36

1.1%2 Year Average

$1,857.482 Year Average

$8,420.28

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.10%
  
  $1857.478/mth
  
  FDR36(SCB) + 0.380%
- Year 2
  
  1.10%
  
  $1857.478/mth
  
  FDR36(SCB) + 0.380%
- Year 3
  
  1.10%
  
  $1857.478/mth
  
  FDR36(SCB) + 0.380%
- Year 4
  
  1.40%
  
  $1903.923/mth
  
  FDR36(SCB) + 0.680%

Features

Subsidy Comment	- Free Conversion after Lock In - Valuation Subsidy for Refinancing

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR FIXED For SCB Priority Client (Min 600K)

1.1%2 Year Average

$1,857.482 Year Average

$8,420.28

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.10%
  
  $1857.478/mth
- Year 2
  
  1.10%
  
  $1857.478/mth
- Year 3
  
  1.97%
  
  $2002.082/mth
  
  FDR36(SCB) + 1.250%
- Year 4
  
  1.97%
  
  $2002.082/mth
  
  FDR36(SCB) + 1.250%

Features

Subsidy Comment	- Free Conversion after Lock In - Valuation Subsidy for Refinancing (Min Loan $500k) - Min Loan for SCB Priority Client: $600k

Details

For SCB Priority Client (Min 600K)

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

BOC 2YR 3M SORA

1.11%2 Year Average

$1,859.272 Year Average

$8,497.20

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.11%
  
  $1859.274/mth
  
  3m SORA + 0.950%
- Year 2
  
  1.11%
  
  $1859.274/mth
  
  3m SORA + 0.950%
- Year 3
  
  1.41%
  
  $1908.398/mth
  
  3m SORA + 1.250%
- Year 4
  
  1.41%
  
  $1908.398/mth
  
  3m SORA + 1.250%

Features

Subsidy Comment	- Free Conversion after Lock In - Waiver of Penalty Due to Sale

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

BOC 2YR FIXED

1.15%2 Year Average

$1,866.472 Year Average

$8,804.94

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.15%
  
  $1866.469/mth
- Year 2
  
  1.15%
  
  $1866.469/mth
- Year 3
  
  1.41%
  
  $1909.107/mth
  
  3m SORA + 1.250%
- Year 4
  
  1.41%
  
  $1909.107/mth
  
  3m SORA + 1.250%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2YR FIXED

1.2%2 Year Average

$1,875.492 Year Average

$9,189.76

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.20%
  
  $1875.488/mth
- Year 2
  
  1.20%
  
  $1875.488/mth
- Year 3
  
  1.60%
  
  $1941.548/mth
  
  Board + 1.600%
- Year 4
  
  1.80%
  
  $1971.557/mth
  
  Board + 1.800%

Features

Subsidy Comment	- Free Conversion if MBR increase after Lock In

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 2YR FIXED

1.2%2 Year Average

$1,875.492 Year Average

$9,189.76

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.20%
  
  $1875.488/mth
- Year 2
  
  1.20%
  
  $1875.488/mth
- Year 3
  
  1.98%
  
  $2005.641/mth
  
  Board + 1.980%
- Year 4
  
  1.98%
  
  $2005.641/mth
  
  Board + 1.980%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR FIXED For SCB Priority Client (Min 300K)

1.2%2 Year Average

$1,875.492 Year Average

$9,189.76

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.20%
  
  $1875.488/mth
- Year 2
  
  1.20%
  
  $1875.488/mth
- Year 3
  
  1.97%
  
  $2003.938/mth
  
  FDR36(SCB) + 1.250%
- Year 4
  
  1.97%
  
  $2003.938/mth
  
  FDR36(SCB) + 1.250%

Features

Subsidy Comment	- Free Conversion after Lock In - Valuation Subsidy for Refinancing - Clawback Period 2 years for Refinancing Subsidies - Min Loan for SCB Priority Client: $300k

Details

For SCB Priority Client (Min 300K)

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

BOC 3YR FIXED

1.23%2 Year Average

$1,880.912 Year Average

$9,420.73

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.23%
  
  $1880.913/mth
- Year 2
  
  1.23%
  
  $1880.913/mth
- Year 3
  
  1.23%
  
  $1880.913/mth
- Year 4
  
  1.41%
  
  $1908.933/mth
  
  3m SORA + 1.250%

Features

Subsidy Comment	- Free Conversion after Lock In - Waiver of Penalty Due to Sale

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 2YR FIXED

1.25%2 Year Average

$1,884.532 Year Average

$9,574.75

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
  
  1.75%
  
  $1967.6/mth
  
  1m SORA + 1.600%
- Year 4
  
  1.75%
  
  $1967.6/mth
  
  1m SORA + 1.600%

Features

Subsidy Comment	- Free conversion after lock in period

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 1YR BOARD

1.3%2 Year Average

$1,893.612 Year Average

$9,959.89

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.30%
  
  $1893.609/mth
  
  Board + 1.300%
- Year 2
  
  1.30%
  
  $1893.609/mth
  
  Board + 1.300%
- Year 3
  
  1.60%
  
  $1943.336/mth
  
  Board + 1.600%
- Year 4
  
  1.80%
  
  $1973.372/mth
  
  Board + 1.800%

Features

Subsidy Comment	- 1 x Free Conversion after 1 year lock in or when MBR increase - Prepayment Penalty Waiver - Up to 50% of Original Loan Amount

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 2YR FIXED

1.35%2 Year Average

$1,902.712 Year Average

$10,345.19

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
Avg 2 Years Interest Payable
Type

UOB 3 MONTH COMPOUNDED SORA HOME LOAN NEW

1.36%2 Year Average

$1,904.532 Year Average

$10,422.27

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
Avg 2 Years Interest Payable
Type

CITIBANK 2YR FIXED

1.38%2 Year Average

$1,908.192 Year Average

$10,576.44

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.38%
  
  $1908.185/mth
- Year 2
  
  1.38%
  
  $1908.185/mth
- Year 3
  
  1.45%
  
  $1919.775/mth
  
  1m SORA + 1.300%
- Year 4
  
  1.45%
  
  $1919.775/mth
  
  1m SORA + 1.300%

Features

Subsidy Comment	- Free Conversion after Lock In

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 2YR 3M SIBOR

1.4%2 Year Average

$1,911.842 Year Average

$10,730.65

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.40%
  
  $1911.84/mth
  
  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
Avg 2 Years Interest Payable
Type

RHB 2YR FIXED

1.45%2 Year Average

$1,921.002 Year Average

$11,116.26

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
  
  1.65%
  
  $1954.374/mth
  
  Board + 1.650%
- Year 4
  
  2.28%
  
  $2050.369/mth
  
  Board + 2.280%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2YR FIXED

1.45%2 Year Average

$1,921.002 Year Average

$11,116.26

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
  
  1.80%
  
  $1979.644/mth
  
  FHR6 (DBS) + 1.600%
- Year 4
  
  1.80%
  
  $1979.644/mth
  
  FHR6 (DBS) + 1.600%

Features

Subsidy Comment	- Free Conversion after lock in

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 1YR FIXED

1.475%2 Year Average

$1,925.592 Year Average

$11,309.13

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
Avg 2 Years Interest Payable
Type

HSBC 3YR FIXED

1.5%2 Year Average

$1,930.182 Year Average

$11,502.04

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.50%
  
  $1930.182/mth
- Year 2
  
  1.50%
  
  $1930.182/mth
- Year 3
  
  1.50%
  
  $1930.182/mth
- Year 4
  
  1.75%
  
  $1969.864/mth
  
  1m SORA + 1.600%

Features

Subsidy Comment	- Free conversion after lock in period

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3YR FIXED

1.5%2 Year Average

$1,930.182 Year Average

$11,502.04

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.50%
  
  $1930.182/mth
- Year 2
  
  1.50%
  
  $1930.182/mth
- Year 3
  
  1.50%
  
  $1930.182/mth
- Year 4
  
  2.28%
  
  $2055.664/mth
  
  Board + 2.280%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 2YR BOARD

1.6%2 Year Average

$1,948.632 Year Average

$12,274.04

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.60%
  
  $1948.633/mth
  
  Board + 1.600%
- Year 2
  
  1.60%
  
  $1948.633/mth
  
  Board + 1.600%
- Year 3
  
  1.98%
  
  $2012.959/mth
  
  Board + 1.980%
- Year 4
  
  1.98%
  
  $2012.959/mth
  
  Board + 1.980%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR FIXED

1.6%2 Year Average

$1,948.632 Year Average

$12,274.04

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.60%
  
  $1948.633/mth
- Year 2
  
  1.60%
  
  $1948.633/mth
- Year 3
  
  1.97%
  
  $2011.25/mth
  
  FDR36(SCB) + 1.250%
- Year 4
  
  1.97%
  
  $2011.25/mth
  
  FDR36(SCB) + 1.250%

Features

Subsidy Comment	- Free Conversion after Lock In - Valuation Subsidy for Refinancing (Min Loan $500k) - Clawback Period 2 years for Refinancing Subsidies)

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CITIBANK 3YR FIXED

1.65%2 Year Average

$1,957.902 Year Average

$12,660.28

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
  
  1.45%
  
  $1926.212/mth
  
  1m SORA + 1.300%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 3YR FIXED

1.65%2 Year Average

$1,957.902 Year Average

$12,660.28

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
  
  1.98%
  
  $2010.896/mth
  
  Board + 1.980%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3YR FIXED

1.65%2 Year Average

$1,957.902 Year Average

$12,660.28

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
  
  1.80%
  
  $1981.879/mth
  
  FHR6 (DBS) + 1.600%

Features

Subsidy Comment	- Free conversion after lock in

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SINGAPURA FINANCE 2YR BOARD For Owner's Occupation

1.78%2 Year Average

$1,982.122 Year Average

$13,665.20

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.68%
  
  $1963.473/mth
  
  Board + 1.680%
- Year 2
  
  1.88%
  
  $1999.112/mth
  
  Board + 1.880%
- Year 3
  
  3.75%
  
  $2333.321/mth
  
  Board + 3.750%
- Year 4
  
  3.75%
  
  $2333.321/mth
  
  Board + 3.750%

Features

Subsidy Comment	- For Owners Occupation - Partial payment penalty waiver on 20% of Original Loan Amount

Details

For Owner's Occupation

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SINGAPURA FINANCE 3YR BOARD For Owner's Occupation

1.78%2 Year Average

$1,982.122 Year Average

$13,665.20

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.68%
  
  $1963.473/mth
  
  Board + 1.680%
- Year 2
  
  1.88%
  
  $1999.112/mth
  
  Board + 1.880%
- Year 3
  
  2.08%
  
  $2033.366/mth
  
  Board + 2.080%
- Year 4
  
  3.75%
  
  $2317.21/mth
  
  Board + 3.750%

Features

Subsidy Comment	- For Owner's Occupation - Partial payment penalty waiver on 20% of Original Loan Amount

Details

For Owner's Occupation

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS NO LOCK-IN FHR6

1.8%2 Year Average

$1,985.862 Year Average

$13,819.89

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.80%
  
  $1985.864/mth
  
  FHR6 (DBS) + 1.600%
- Year 2
  
  1.80%
  
  $1985.864/mth
  
  FHR6 (DBS) + 1.600%
- Year 3
  
  1.80%
  
  $1985.864/mth
  
  FHR6 (DBS) + 1.600%
- Year 4
  
  1.80%
  
  $1985.864/mth
  
  FHR6 (DBS) + 1.600%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 5YR FIXED

1.95%2 Year Average

$2,014.082 Year Average

$14,980.86

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.95%
  
  $2014.075/mth
- Year 2
  
  1.95%
  
  $2014.075/mth
- Year 3
  
  1.95%
  
  $2014.075/mth
- Year 4
  
  1.95%
  
  $2014.075/mth

Features

Subsidy Comment	- Free Conversion after 30 months - Waiver of Penalty Due to Sale - Waiver of Partial Payment Penalty during Lock In Period

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SINGAPURA FINANCE 2YR BOARD For Investment Purposes

1.98%2 Year Average

$2,019.752 Year Average

$15,213.21

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.88%
  
  $2000.879/mth
  
  Board + 1.880%
- Year 2
  
  2.08%
  
  $2036.949/mth
  
  Board + 2.080%
- Year 3
  
  3.75%
  
  $2337.432/mth
  
  Board + 3.750%
- Year 4
  
  3.75%
  
  $2337.432/mth
  
  Board + 3.750%

Features

Subsidy Comment	- For Investment Purposes - Partial payment penalty waiver on 20% of Original Loan Amount

Details

For Investment Purposes

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SINGAPURA FINANCE 3YR BOARD For Investment Purposes

1.98%2 Year Average

$2,019.752 Year Average

$15,213.21

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.88%
  
  $2000.879/mth
  
  Board + 1.880%
- Year 2
  
  2.08%
  
  $2036.949/mth
  
  Board + 2.080%
- Year 3
  
  2.48%
  
  $2106.658/mth
  
  Board + 2.480%
- Year 4
  
  3.75%
  
  $2325.319/mth
  
  Board + 3.750%

Features

Subsidy Comment	- For Investment Purposes - Partial payment penalty waiver on 20% of Original Loan Amount

Details

For Investment Purposes

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 2YR BOARD

2.15%2 Year Average

$2,052.072 Year Average

$16,530.88

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

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

Features

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

Details

Residential Loan/Property Loan – New Purchase

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