Residential Loan/Property Loan – New Purchase

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UPDATED AS OF 03 Dec 2022

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Loan Type

Loan Amount

$400,000 % of purchase price

Purchase Price

Loan % 80%

Loan Tenure 20 years

UPDATED AS OF 03 Dec 2022

Click above for historical trend

	SIBOR	COMPOUNDED SORA
1-month	3.69376	3.3321
3-month	4.06126	2.9442
6-month	NA	2.2826
12-month	NA	NA

Top Residential Rates

Residential Loan displayed below are ranked according to interest rates. You can click on the product box to view more details or modify your search criteria on the left

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

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

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 2YR 1M SORA

2.97%2 Year Average

$2,212.392 Year Average

$22,909.63

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.97%
  
  $2212.388/mth
  
  1m SORA + 1.10%
- Year 2
  
  2.97%
  
  $2212.388/mth
  
  1m SORA + 1.10%
- Year 3
  
  5.97%
  
  $2797.541/mth
  
  1m SORA + 1.10%
- Year 4
  
  5.97%
  
  $2797.541/mth
  
  1m SORA + 1.10%

Features

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

Details