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

	SIBOR	SOR	SORA
1-month	0.265	0.25933	0.1366
3-month	0.43607	0.3003	0.1893
6-month	0.59161	0.31525	0.179
12-month	NA	NA	NA

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

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 2YR 1M SIBOR

1.08%2 Year Average

$1,853.892 Year Average

$8,266.46

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.08%
  
  $1853.889/mth
  
  1M SIBOR + 0.800%
- Year 2
  
  1.08%
  
  $1853.889/mth
  
  1M SIBOR + 0.800%
- Year 3
  
  1.28%
  
  $1886.485/mth
  
  1M SIBOR + 1.000%
- Year 4
  
  1.53%
  
  $1923.312/mth
  
  1M SIBOR + 1.250%

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 - 100% Waiver of Penalty Due to Sale

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 2YR 1M SIBOR

1.08%2 Year Average

$1,853.892 Year Average

$8,266.46

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.08%
  
  $1853.889/mth
  
  1M SIBOR + 0.800%
- Year 2
  
  1.08%
  
  $1853.889/mth
  
  1M SIBOR + 0.800%
- Year 3
  
  1.23%
  
  $1878.302/mth
  
  1M SIBOR + 0.950%
- Year 4
  
  1.53%
  
  $1922.419/mth
  
  1M SIBOR + 1.250%

Features

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

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3YR 1M SIBOR

1.08%2 Year Average

$1,853.892 Year Average

$8,266.46

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.08%
  
  $1853.889/mth
  
  1M SIBOR + 0.800%
- Year 2
  
  1.08%
  
  $1853.889/mth
  
  1M SIBOR + 0.800%
- Year 3
  
  1.13%
  
  $1862.004/mth
  
  1M SIBOR + 0.850%
- Year 4
  
  1.53%
  
  $1920.628/mth
  
  1M SIBOR + 1.250%

Features

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

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2YR 3M SORA

1.08%2 Year Average

$1,853.892 Year Average

$8,266.46

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  0.99%
  
  $1837.793/mth
  
  3m SORA + 0.800%
- Year 2
  
  1.17%
  
  $1868.51/mth
  
  3m SORA + 0.980%
- Year 3
  
  1.79%
  
  $1971.236/mth
  
  3m SORA + 1.600%
- Year 4
  
  1.79%
  
  $1971.236/mth
  
  3m SORA + 1.600%

Features

Subsidy Comment	- Free Conversion after 12 months

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR 3M SORA

1.09%2 Year Average

$1,855.682 Year Average

$8,343.36

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.09%
  
  $1855.683/mth
  
  3m SORA + 0.900%
- Year 2
  
  1.09%
  
  $1855.683/mth
  
  3m SORA + 0.900%
- Year 3
  
  1.39%
  
  $1904.744/mth
  
  3m SORA + 1.200%
- Year 4
  
  1.39%
  
  $1904.744/mth
  
  3m SORA + 1.200%

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 5YR FHR6

1.1%2 Year Average

$1,857.482 Year Average

$8,420.28

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.00%
  
  $1839.577/mth
  
  FHR6 (DBS) + 0.800%
- Year 2
  
  1.20%
  
  $1873.749/mth
  
  FHR6 (DBS) + 1.000%
- Year 3
  
  1.20%
  
  $1873.749/mth
  
  FHR6 (DBS) + 1.000%
- Year 4
  
  1.20%
  
  $1873.749/mth
  
  FHR6 (DBS) + 1.000%

Features

Subsidy Comment	- Interest Capped 2.30% for 5 years - Waiver of Penalty Due to Sale - Partial Payment allowed during Lock In Period

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR 3M SIBOR For SCB Priority Client

1.14%2 Year Average

$1,864.672 Year Average

$8,727.99

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.14%
  
  $1864.669/mth
  
  3M SIBOR + 0.700%
- Year 2
  
  1.14%
  
  $1864.669/mth
  
  3M SIBOR + 0.700%
- Year 3
  
  1.44%
  
  $1913.888/mth
  
  3M SIBOR + 1.000%
- Year 4
  
  1.44%
  
  $1913.888/mth
  
  3M SIBOR + 1.000%

Features

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

Details

For SCB Priority Client

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3YR BOARD

1.15%2 Year Average

$1,866.472 Year Average

$8,804.94

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
Avg 2 Years Interest Payable
Type

HSBC 2YR FIXED

1.18%2 Year Average

$1,871.882 Year Average

$9,035.81

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.18%
  
  $1871.877/mth
- Year 2
  
  1.18%
  
  $1871.877/mth
- Year 3
  
  1.73%
  
  $1962.966/mth
  
  1m SORA + 1.600%
- Year 4
  
  1.73%
  
  $1962.966/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

BOC 2YR 3M SIBOR

1.19%2 Year Average

$1,873.682 Year Average

$9,112.79

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.19%
  
  $1873.682/mth
  
  3M SIBOR + 0.750%
- Year 2
  
  1.19%
  
  $1873.682/mth
  
  3M SIBOR + 0.750%
- Year 3
  
  1.44%
  
  $1914.774/mth
  
  3M SIBOR + 1.000%
- Year 4
  
  1.44%
  
  $1914.774/mth
  
  3M SIBOR + 1.000%

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

CIMB 2YR FIXED RATES

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
  
  1.75%
  
  $1966.693/mth
  
  Board + 1.750%
- Year 4
  
  1.75%
  
  $1966.693/mth
  
  Board + 1.750%

Features

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

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 1YR 3M SIBOR

1.22%2 Year Average

$1,879.102 Year Average

$9,343.74

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.22%
  
  $1879.104/mth
  
  3M SIBOR + 0.780%
- Year 2
  
  1.22%
  
  $1879.104/mth
  
  3M SIBOR + 0.780%
- Year 3
  
  1.94%
  
  $1999.202/mth
  
  3M SIBOR + 1.500%
- Year 4
  
  1.94%
  
  $1999.202/mth
  
  3M SIBOR + 1.500%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2YR 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
  
  1.50%
  
  $1925.431/mth
  
  FHR6 (DBS) + 1.300%
- Year 4
  
  1.50%
  
  $1925.431/mth
  
  FHR6 (DBS) + 1.300%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR 3M SIBOR For SCB Priority Client

1.24%2 Year Average

$1,882.722 Year Average

$9,497.74

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.24%
  
  $1882.723/mth
  
  3M SIBOR + 0.800%
- Year 2
  
  1.24%
  
  $1882.723/mth
  
  3M SIBOR + 0.800%
- Year 3
  
  1.44%
  
  $1915.657/mth
  
  3M SIBOR + 1.000%
- Year 4
  
  1.44%
  
  $1915.657/mth
  
  3M SIBOR + 1.000%

Features

Subsidy Comment	- Free Conversion after Lock In - Valuation Subsidy for Refinancing (Min Loan $500k) - Min Loan for SCB Priority Client: $300k

Details

For SCB Priority Client

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 3YR 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
  
  1.25%
  
  $1884.535/mth
- Year 4
  
  1.73%
  
  $1959.938/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

CIMB 3YR FIXED RATES

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
  
  1.25%
  
  $1884.535/mth
- Year 4
  
  1.75%
  
  $1963.12/mth
  
  Board + 1.750%

Features

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

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

BOC 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
  
  1.44%
  
  $1915.834/mth
  
  3M SIBOR + 1.000%
- Year 4
  
  1.44%
  
  $1915.834/mth
  
  3M SIBOR + 1.000%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

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

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
  
  1.72%
  
  $1962.552/mth
  
  FDR36(SCB) + 1.000%
- Year 4
  
  1.72%
  
  $1962.552/mth
  
  FDR36(SCB) + 1.000%

Features

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

1.25%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
  
  1.25%
  
  $1884.535/mth
- Year 4
  
  1.44%
  
  $1914.159/mth
  
  3M SIBOR + 1.000%

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

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 - Waiver of Partial Payment Penalty for 1st 50% of loan

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 2YR FIXED

1.3%2 Year Average

$1,893.612 Year Average

$9,959.89

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
  
  1.98%
  
  $2007.487/mth
  
  Board + 1.980%
- Year 4
  
  1.98%
  
  $2007.487/mth
  
  Board + 1.980%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 3YR FIXED

1.3%2 Year Average

$1,893.612 Year Average

$9,959.89

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
  
  1.98%
  
  $2001.33/mth
  
  Board + 1.980%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 3YR FIXED For SCB Priority Client (Min 300K)

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
- 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	- Free Conversion after Lock In - Valuation Subsidy for Refinancing (Min Loan $500k) - Min Loan for SCB Priority Client: $300k

Details

For SCB Priority Client (Min 300K)

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

OCBC 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
  
  1.60%
  
  $1944.758/mth
  
  Board + 1.600%
- Year 4
  
  1.80%
  
  $1974.816/mth
  
  Board + 1.800%

Features

Subsidy Comment	- Free Conversion if MBR increase

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2YR 1M SORA

1.38%2 Year Average

$1,908.192 Year Average

$10,576.44

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.33%
  
  $1899.067/mth
  
  1m SORA + 1.200%
- Year 2
  
  1.43%
  
  $1916.459/mth
  
  1m SORA + 1.300%
- Year 3
  
  1.53%
  
  $1933.074/mth
  
  1m SORA + 1.400%
- Year 4
  
  1.53%
  
  $1933.074/mth
  
  1m SORA + 1.400%

Features

Subsidy Comment	- Free Conversion after 12 months - Waiver of partial payment penalty up to 50% of original loan amount during lock in

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3YR 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
  
  1.38%
  
  $1908.185/mth
- Year 4
  
  1.80%
  
  $1974.622/mth
  
  Board + 1.800%

Features

Subsidy Comment	- Free Conversion if MBR increase

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CITIBANK 2YR 1M SORA

1.38%2 Year Average

$1,908.192 Year Average

$10,576.44

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.38%
  
  $1908.185/mth
  
  1m SORA + 1.250%
- Year 2
  
  1.38%
  
  $1908.185/mth
  
  1m SORA + 1.250%
- Year 3
  
  1.58%
  
  $1941.415/mth
  
  1m SORA + 1.450%
- Year 4
  
  1.58%
  
  $1941.415/mth
  
  1m SORA + 1.450%

Features

Subsidy Comment	- 1 x Free Conversion after 12 months

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 2YR 1M SORA

1.38%2 Year Average

$1,908.192 Year Average

$10,576.44

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.38%
  
  $1908.185/mth
  
  1m SORA + 1.250%
- Year 2
  
  1.38%
  
  $1908.185/mth
  
  1m SORA + 1.250%
- Year 3
  
  1.63%
  
  $1949.779/mth
  
  1m SORA + 1.500%
- Year 4
  
  1.63%
  
  $1949.779/mth
  
  1m SORA + 1.500%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 1YR 3M SORA

1.39%2 Year Average

$1,910.012 Year Average

$10,653.54

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.39%
  
  $1910.012/mth
  
  3m SORA + 1.200%
- Year 2
  
  1.39%
  
  $1910.012/mth
  
  3m SORA + 1.200%
- Year 3
  
  1.59%
  
  $1943.263/mth
  
  3m SORA + 1.400%
- Year 4
  
  1.59%
  
  $1943.263/mth
  
  3m SORA + 1.400%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR FDR36

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

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

DBS 3YR FIXED

1.4%2 Year Average

$1,911.842 Year Average

$10,730.65

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
  
  1.80%
  
  $1975.164/mth
  
  FHR6 (DBS) + 1.600%

Features

Subsidy Comment	- Free conversion after lock in

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CITIBANK 2YR 1M SIBOR

1.43%2 Year Average

$1,917.332 Year Average

$10,962.00

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.43%
  
  $1917.331/mth
  
  1M SIBOR + 1.150%
- Year 2
  
  1.43%
  
  $1917.331/mth
  
  1M SIBOR + 1.150%
- Year 3
  
  1.43%
  
  $1917.331/mth
  
  1M SIBOR + 1.150%
- Year 4
  
  1.53%
  
  $1933.071/mth
  
  1M SIBOR + 1.250%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2YR 3M SIBOR

1.44%2 Year Average

$1,919.162 Year Average

$11,039.13

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.44%
  
  $1919.164/mth
  
  3M SIBOR + 1.000%
- Year 2
  
  1.44%
  
  $1919.164/mth
  
  3M SIBOR + 1.000%
- Year 3
  
  1.44%
  
  $1919.164/mth
  
  3M SIBOR + 1.000%
- Year 4
  
  1.44%
  
  $1919.164/mth
  
  3M SIBOR + 1.000%

Features

Subsidy Comment	- 1 x Free Conversion after Lock In - Waiver of partial payment penalty up to 50% of original loan amount during lock in

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CITIBANK 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
  
  1.58%
  
  $1942.651/mth
  
  1m SORA + 1.450%
- Year 4
  
  1.58%
  
  $1942.651/mth
  
  1m SORA + 1.450%

Features

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

SCB 2YR 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
  
  1.72%
  
  $1967.033/mth
  
  FDR36(SCB) + 1.000%
- Year 4
  
  1.72%
  
  $1967.033/mth
  
  FDR36(SCB) + 1.000%

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

CITIBANK 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
  
  1.58%
  
  $1942.825/mth
  
  1m SORA + 1.450%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 2YR 3M SIBOR

1.52%2 Year Average

$1,933.862 Year Average

$11,656.39

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.52%
  
  $1933.863/mth
  
  3M SIBOR + 1.080%
- Year 2
  
  1.52%
  
  $1933.863/mth
  
  3M SIBOR + 1.080%
- Year 3
  
  1.52%
  
  $1933.863/mth
  
  3M SIBOR + 1.080%
- Year 4
  
  1.52%
  
  $1933.863/mth
  
  3M SIBOR + 1.080%

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

CIMB 2YR 1M SIBOR For CIMB Preferred Customers

1.53%2 Year Average

$1,935.712 Year Average

$11,733.57

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.53%
  
  $1935.705/mth
  
  1M SIBOR + 1.250%
- Year 2
  
  1.53%
  
  $1935.705/mth
  
  1M SIBOR + 1.250%
- Year 3
  
  1.53%
  
  $1935.705/mth
  
  1M SIBOR + 1.250%
- Year 4
  
  1.83%
  
  $1983.477/mth
  
  1M SIBOR + 1.550%

Features

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

Details

For CIMB Preferred Customers

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

MAYBANK 4YR FIXED

1.58%2 Year Average

$1,944.932 Year Average

$12,119.59

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.58%
  
  $1944.934/mth
- Year 2
  
  1.58%
  
  $1944.934/mth
- Year 3
  
  1.58%
  
  $1944.934/mth
- Year 4
  
  1.58%
  
  $1944.934/mth

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

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 3YR 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
  
  1.60%
  
  $1948.633/mth
- Year 4
  
  1.72%
  
  $1967.74/mth
  
  FDR36(SCB) + 1.000%

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 5YR FIXED

1.68%2 Year Average

$1,963.472 Year Average

$12,892.09

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.68%
  
  $1963.473/mth
- Year 2
  
  1.68%
  
  $1963.473/mth
- Year 3
  
  1.68%
  
  $1963.473/mth
- Year 4
  
  1.68%
  
  $1963.473/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

CIMB 2YR 1M SIBOR For Credit Card Members

1.73%2 Year Average

$1,972.782 Year Average

$13,278.57

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.73%
  
  $1972.783/mth
  
  1M SIBOR + 1.450%
- Year 2
  
  1.73%
  
  $1972.783/mth
  
  1M SIBOR + 1.450%
- Year 3
  
  1.73%
  
  $1972.783/mth
  
  1M SIBOR + 1.450%
- Year 4
  
  1.83%
  
  $1988.832/mth
  
  1M SIBOR + 1.550%

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
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

CIMB 2YR 1M SIBOR

1.83%2 Year Average

$1,991.492 Year Average

$14,051.98

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  1.83%
  
  $1991.487/mth
  
  1M SIBOR + 1.550%
- Year 2
  
  1.83%
  
  $1991.487/mth
  
  1M SIBOR + 1.550%
- Year 3
  
  1.83%
  
  $1991.487/mth
  
  1M SIBOR + 1.550%
- Year 4
  
  1.83%
  
  $1991.487/mth
  
  1M SIBOR + 1.550%

Features

Details

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

SINGAPURA FINANCE 2YR BOARD For Owners Occupation

2.18%2 Year Average

$2,057.812 Year Average

$16,763.59

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
Avg 2 Years Interest Payable
Type

SINGAPURA FINANCE 3YR BOARD For Owners' Occupation

2.18%2 Year Average

$2,057.812 Year Average

$16,763.59

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
Avg 2 Years Interest Payable
Type

SINGAPURA FINANCE 2YR BOARD For Investment Purposes

2.375%2 Year Average

$2,095.342 Year Average

$18,277.42

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
Avg 2 Years Interest Payable
Type

SINGAPURA FINANCE 3YR BOARD For Investment Purposes

2.375%2 Year Average

$2,095.342 Year Average

$18,277.42

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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