Commercial/Industrial - New Purchase - Industrial Property Loan Singapore

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

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Standard Chartered Fixed 2 Years Lock In Period

Featured Package

3.93%2 Year Average

$2,409.192 Year Average

$30,422.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.98%
  
  $2418.804/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.42%
  
  $2704.769/mth
  
  Year 3 3M SORA + 1.780%
- Year 4
  
  5.42%
  
  $2704.769/mth
  
  Year 4 3M SORA + 1.780%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K - No annual fee required For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 2 Years Fixed Lock In Period

3.78%2 Year Average

$2,377.802 Year Average

$29,245.36

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.78%
  
  $2377.803/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.78%
  
  $2377.803/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.61%
  
  $2950.934/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.61%
  
  $2950.934/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Standard Chartered Fixed 2 Years Lock In Period

3.8%2 Year Average

$2,381.972 Year Average

$29,402.21

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.80%
  
  $2381.975/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.80%
  
  $2381.975/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.44%
  
  $2505.73/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  4.99%
  
  $2604.363/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K - No annual fee required For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Standard Chartered Fixed 2 Years Lock In Period

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.64%
  
  $2546.682/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.99%
  
  $2609.832/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K - No annual fee required For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 2 Years Fixed Lock In Period

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.61%
  
  $2953.176/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.61%
  
  $2953.176/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS Fixed 2 Years Lock In Period

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.64%
  
  $2959.614/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.64%
  
  $2959.614/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 3 years clawback for subsidies For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS Fixed 3 Years Lock In Period

3.98%2 Year Average

$2,419.712 Year Average

$30,814.66

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.98%
  
  $2419.708/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.98%
  
  $2419.708/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.98%
  
  $2419.708/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.64%
  
  $2934.516/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS Fixed 2 Years Lock In Period

4.08%2 Year Average

$2,440.822 Year Average

$31,600.01

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.08%
  
  $2440.816/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.08%
  
  $2440.816/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.64%
  
  $2964.06/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.64%
  
  $2964.06/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 3 years clawback for subsidies For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Singapura Finance Board 3 Years Lock In Period

4.13%2 Year Average

$2,451.412 Year Average

$31,992.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.03%
  
  $2430.249/mth
  
  Year 1 Board + 4.030%
- Year 2
  
  4.23%
  
  $2470.856/mth
  
  Year 2 Board + 4.230%
- Year 3
  
  4.43%
  
  $2509.994/mth
  
  Year 3 Board + 4.430%
- Year 4
  
  5.50%
  
  $2714.844/mth
  
  Year 4 Board + 5.500%

Features

Subsidy Comment	- Owners Occupation For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Singapura Finance Board 2 Years Lock In Period

4.13%2 Year Average

$2,451.412 Year Average

$31,992.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.03%
  
  $2430.249/mth
  
  Year 1 Board + 4.030%
- Year 2
  
  4.23%
  
  $2470.856/mth
  
  Year 2 Board + 4.230%
- Year 3
  
  5.50%
  
  $2725.251/mth
  
  Year 3 Board + 5.500%
- Year 4
  
  5.50%
  
  $2725.251/mth
  
  Year 4 Board + 5.500%

Features

Subsidy Comment	- Owners Occupation For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB Fixed 2 Years Lock In Period

4.15%2 Year Average

$2,455.652 Year Average

$32,150.04

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.15%
  
  $2455.654/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.15%
  
  $2455.654/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.64%
  
  $2965.601/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.64%
  
  $2965.601/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - Facility Fee: - $1,000 for Loan < $2m - 0.10% x Loan Amount > $2m - Refinancing Only - Valuation Subsidy $500 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 2 Years Fixed Lock In Period

4.18%2 Year Average

$2,462.032 Year Average

$32,385.82

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.18%
  
  $2462.028/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.18%
  
  $2462.028/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.58%
  
  $2953.362/mth
  
  Year 3 Board Rate
- Year 4
  
  6.58%
  
  $2953.362/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS Fixed 3 Years Lock In Period

4.18%2 Year Average

$2,462.032 Year Average

$32,385.82

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.18%
  
  $2462.028/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.18%
  
  $2462.028/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.18%
  
  $2462.028/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.64%
  
  $2941.134/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 1M SORA 2 Years Lock In Period

4.21%2 Year Average

$2,468.412 Year Average

$32,621.66

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.11%
  
  $2447.169/mth
  
  Year 1 1M SORA + 0.500%
- Year 2
  
  4.31%
  
  $2487.94/mth
  
  Year 2 1M SORA + 0.700%
- Year 3
  
  6.11%
  
  $2853.987/mth
  
  Year 3 1M SORA + 2.500%
- Year 4
  
  6.11%
  
  $2853.987/mth
  
  Year 4 1M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB Fixed 2 Years Lock In Period

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.74%
  
  $2989.359/mth
  
  Year 3 3M SORA + 3.100%
- Year 4
  
  6.74%
  
  $2989.359/mth
  
  Year 4 3M SORA + 3.100%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - Facility Fee: - $1,000 for Loan < $2m - 0.10% x Loan Amount > $2m - Refinancing Only - Valuation Subsidy $500 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Standard Chartered Fixed 2 Years Lock In Period

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.99%
  
  $2623.742/mth
  
  Year 3 3M SORA + 1.350%
- Year 4
  
  4.99%
  
  $2623.742/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 1M SORA 2 Years Lock In Period

4.31%2 Year Average

$2,489.762 Year Average

$33,408.05

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.21%
  
  $2468.412/mth
  
  Year 1 1M SORA + 0.600%
- Year 2
  
  4.41%
  
  $2509.388/mth
  
  Year 2 1M SORA + 0.800%
- Year 3
  
  6.11%
  
  $2856.083/mth
  
  Year 3 1M SORA + 2.500%
- Year 4
  
  6.11%
  
  $2856.083/mth
  
  Year 4 1M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Singapura Finance Board 3 Years Lock In Period

4.33%2 Year Average

$2,494.042 Year Average

$33,565.38

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.23%
  
  $2472.673/mth
  
  Year 1 Board + 4.230%
- Year 2
  
  4.43%
  
  $2513.69/mth
  
  Year 2 Board + 4.430%
- Year 3
  
  4.63%
  
  $2553.235/mth
  
  Year 3 Board + 4.630%
- Year 4
  
  5.50%
  
  $2720.851/mth
  
  Year 4 Board + 5.500%

Features

Subsidy Comment	- Investment Purpose For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Singapura Finance Board 2 Years Lock In Period

4.33%2 Year Average

$2,494.042 Year Average

$33,565.38

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.23%
  
  $2472.673/mth
  
  Year 1 Board + 4.230%
- Year 2
  
  4.43%
  
  $2513.69/mth
  
  Year 2 Board + 4.430%
- Year 3
  
  5.50%
  
  $2729.264/mth
  
  Year 3 Board + 5.500%
- Year 4
  
  5.50%
  
  $2729.264/mth
  
  Year 4 Board + 5.500%

Features

Subsidy Comment	- Investment Purpose For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB Fixed 2 Years Lock In Period

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.38%
  
  $2504.761/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.38%
  
  $2504.761/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.64%
  
  $2759.185/mth
  
  Year 3 3M SORA + 2.000%
- Year 4
  
  5.64%
  
  $2759.185/mth
  
  Year 4 3M SORA + 2.000%

Features

Subsidy Comment	+0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS Fixed 5 Years Lock In Period

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.38%
  
  $2504.761/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.38%
  
  $2504.761/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.38%
  
  $2504.761/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.38%
  
  $2504.761/mth
  
  Year 4 Fixed Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC Fixed 2 Years Lock In Period

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.38%
  
  $2504.761/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.38%
  
  $2504.761/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.14%
  
  $2863.869/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.14%
  
  $2863.869/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 3M SORA 2 Years Lock In Period

4.44%2 Year Average

$2,517.662 Year Average

$34,431.02

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.44%
  
  $2517.661/mth
  
  Year 1 3M SORA + 0.800%
- Year 2
  
  4.44%
  
  $2517.661/mth
  
  Year 2 3M SORA + 0.800%
- Year 3
  
  6.64%
  
  $2971.901/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.64%
  
  $2971.901/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - Facility Fee: - $1,000 for Loan < $2m - 0.10% x Loan Amount > $2m - Refinancing Only - Valuation Subsidy $500 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS Fixed 3 Years Lock In Period

4.48%2 Year Average

$2,526.282 Year Average

$34,745.93

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.48%
  
  $2526.281/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.48%
  
  $2526.281/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.48%
  
  $2526.281/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.14%
  
  $2849.418/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 1M SORA 3 Years Lock In Period

4.535%2 Year Average

$2,538.162 Year Average

$35,179.05

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.51%
  
  $2532.757/mth
  
  Year 1 1M SORA + 0.900%
- Year 2
  
  4.56%
  
  $2543.119/mth
  
  Year 2 1M SORA + 0.950%
- Year 3
  
  4.61%
  
  $2553.044/mth
  
  Year 3 1M SORA + 1.000%
- Year 4
  
  6.11%
  
  $2845.884/mth
  
  Year 4 1M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Standard Chartered 3M SORA 2 Years Lock In Period

4.54%2 Year Average

$2,539.242 Year Average

$35,218.43

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.49%
  
  $2528.439/mth
  
  Year 1 3M SORA + 0.850%
- Year 2
  
  4.59%
  
  $2549.166/mth
  
  Year 2 3M SORA + 0.950%
- Year 3
  
  5.42%
  
  $2716.93/mth
  
  Year 3 3M SORA + 1.780%
- Year 4
  
  5.42%
  
  $2716.93/mth
  
  Year 4 3M SORA + 1.780%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K - No annual fee required For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 3M SORA 2 Years Lock In Period

4.54%2 Year Average

$2,539.242 Year Average

$35,218.43

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.54%
  
  $2539.242/mth
  
  Year 1 3M SORA + 0.900%
- Year 2
  
  4.54%
  
  $2539.242/mth
  
  Year 2 3M SORA + 0.900%
- Year 3
  
  6.74%
  
  $2995.658/mth
  
  Year 3 3M SORA + 3.100%
- Year 4
  
  6.74%
  
  $2995.658/mth
  
  Year 4 3M SORA + 3.100%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - Facility Fee: - $1,000 for Loan < $2m - 0.10% x Loan Amount > $2m - Refinancing Only - Valuation Subsidy $500 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS Fixed 2 Years Lock In Period

4.58%2 Year Average

$2,547.902 Year Average

$35,533.51

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.58%
  
  $2547.903/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.58%
  
  $2547.903/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.14%
  
  $2868/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.14%
  
  $2868/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 3 years clawback for subsidies For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3M SORA 2 Years Lock In Period

4.58%2 Year Average

$2,547.902 Year Average

$35,533.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.52%
  
  $2534.918/mth
  
  Year 1 3M SORA + 0.880%
- Year 2
  
  4.64%
  
  $2559.838/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  6.14%
  
  $2868.009/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.14%
  
  $2868.009/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS Fixed 5 Years Lock In Period

4.58%2 Year Average

$2,547.902 Year Average

$35,533.51

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.58%
  
  $2547.903/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.58%
  
  $2547.903/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.58%
  
  $2547.903/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.58%
  
  $2547.903/mth
  
  Year 4 Fixed Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 1M SORA 2 Years Lock In Period

4.61%2 Year Average

$2,554.412 Year Average

$35,769.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.61%
  
  $2554.41/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.61%
  
  $2554.41/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.11%
  
  $2862.265/mth
  
  Year 3 1M SORA + 2.500%
- Year 4
  
  6.11%
  
  $2862.265/mth
  
  Year 4 1M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Sing Investments & Finance Ltd 1M SORA 2 Years Lock In Period

4.61%2 Year Average

$2,554.412 Year Average

$35,769.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.61%
  
  $2554.41/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.61%
  
  $2554.41/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.61%
  
  $2969.059/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  7.61%
  
  $3169.166/mth
  
  Year 4 1M SORA + 4.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 5 Years Lock-in Period - 5 Years Clawback - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 1M SORA 2 Years Lock In Period

4.61%2 Year Average

$2,554.412 Year Average

$35,769.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.61%
  
  $2554.41/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.61%
  
  $2554.41/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.61%
  
  $2969.059/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.61%
  
  $2969.059/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock In Period

4.64%2 Year Average

$2,560.932 Year Average

$36,006.25

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.64%
  
  $2560.926/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  4.64%
  
  $2560.926/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  6.64%
  
  $2976.167/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.64%
  
  $2976.167/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3M SORA 1 Year Lock In Period

4.67%2 Year Average

$2,567.452 Year Average

$36,242.69

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.62%
  
  $2556.581/mth
  
  Year 1 3M SORA + 0.980%
- Year 2
  
  4.72%
  
  $2577.44/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  6.14%
  
  $2869.847/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.14%
  
  $2869.847/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3M SORA 3 Years Lock In Period

4.69%2 Year Average

$2,571.812 Year Average

$36,400.33

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.69%
  
  $2571.805/mth
  
  Year 1 3M SORA + 1.050%
- Year 2
  
  4.69%
  
  $2571.805/mth
  
  Year 2 3M SORA + 1.050%
- Year 3
  
  4.69%
  
  $2571.805/mth
  
  Year 3 3M SORA + 1.050%
- Year 4
  
  6.14%
  
  $2855.903/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3M SORA 2 Years Lock In Period

4.72%2 Year Average

$2,578.352 Year Average

$36,636.82

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.72%
  
  $2578.345/mth
  
  Year 1 3M SORA + 1.080%
- Year 2
  
  4.72%
  
  $2578.345/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  6.14%
  
  $2870.855/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.14%
  
  $2870.855/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3M SORA 2 Years Lock In Period

4.74%2 Year Average

$2,582.712 Year Average

$36,794.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.74%
  
  $2582.71/mth
  
  Year 1 3M SORA + 1.100%
- Year 2
  
  4.74%
  
  $2582.71/mth
  
  Year 2 3M SORA + 1.100%
- Year 3
  
  6.14%
  
  $2871.261/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.14%
  
  $2871.261/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock In Period

4.84%2 Year Average

$2,604.602 Year Average

$37,583.18

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.84%
  
  $2604.596/mth
  
  Year 1 3M SORA + 1.200%
- Year 2
  
  4.84%
  
  $2604.596/mth
  
  Year 2 3M SORA + 1.200%
- Year 3
  
  6.64%
  
  $2980.369/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.64%
  
  $2980.369/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3M SORA 2 Years Lock In Period

4.87%2 Year Average

$2,611.182 Year Average

$37,819.87

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.82%
  
  $2600.211/mth
  
  Year 1 3M SORA + 1.180%
- Year 2
  
  4.92%
  
  $2621.272/mth
  
  Year 2 3M SORA + 1.280%
- Year 3
  
  6.14%
  
  $2873.89/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.14%
  
  $2873.89/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Standard Chartered 3M SORA 2 Years Lock In Period

4.89%2 Year Average

$2,615.582 Year Average

$37,977.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.84%
  
  $2604.596/mth
  
  Year 1 3M SORA + 1.200%
- Year 2
  
  4.94%
  
  $2625.678/mth
  
  Year 2 3M SORA + 1.300%
- Year 3
  
  4.99%
  
  $2635.792/mth
  
  Year 3 3M SORA + 1.350%
- Year 4
  
  4.99%
  
  $2635.792/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 1 Year Fixed Lock In Period

4.93%2 Year Average

$2,624.382 Year Average

$38,293.34

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.88%
  
  $2613.379/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.98%
  
  $2634.501/mth
  
  Year 2 Board Rate
- Year 3
  
  5.88%
  
  $2820.181/mth
  
  Year 3 Board Rate
- Year 4
  
  5.88%
  
  $2820.181/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Hong Leong Finance 3M SORA 2 Years Lock In Period

4.94%2 Year Average

$2,626.582 Year Average

$38,372.27

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.94%
  
  $2626.583/mth
  
  Year 1 3M SORA + 1.300%
- Year 2
  
  4.94%
  
  $2626.583/mth
  
  Year 2 3M SORA + 1.300%
- Year 3
  
  6.39%
  
  $2928.608/mth
  
  Year 3 3M SORA + 2.750%
- Year 4
  
  6.39%
  
  $2928.608/mth
  
  Year 4 3M SORA + 2.750%

Features

Subsidy Comment	- Interest commence 3months from Letter of Offer - Annual Fee: $100 - $200 - Processing Fee: $500 - $1,000 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 2 Years Fixed Lock In Period

4.98%2 Year Average

$2,635.412 Year Average

$38,688.01

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.98%
  
  $2635.406/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.98%
  
  $2635.406/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.58%
  
  $2970.301/mth
  
  Year 3 Board Rate
- Year 4
  
  6.58%
  
  $2970.301/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock In Period

5.04%2 Year Average

$2,648.672 Year Average

$39,161.76

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.04%
  
  $2648.67/mth
  
  Year 1 3M SORA + 1.400%
- Year 2
  
  5.04%
  
  $2648.67/mth
  
  Year 2 3M SORA + 1.400%
- Year 3
  
  6.14%
  
  $2877.268/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  6.14%
  
  $2877.268/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Hong Leong Finance 3M SORA 2 Years Lock In Period

5.04%2 Year Average

$2,648.672 Year Average

$39,161.76

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.04%
  
  $2648.67/mth
  
  Year 1 3M SORA + 1.400%
- Year 2
  
  5.04%
  
  $2648.67/mth
  
  Year 2 3M SORA + 1.400%
- Year 3
  
  6.49%
  
  $2952.121/mth
  
  Year 3 3M SORA + 2.850%
- Year 4
  
  6.49%
  
  $2952.121/mth
  
  Year 4 3M SORA + 2.850%

Features

Subsidy Comment	- Interest commence 3months from Letter of Offer - Annual Fee: $100 - $200 - Processing Fee: $500 - $1,000 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Sing Investments & Finance Ltd 3M SORA 2 Years Lock In Period

5.09%2 Year Average

$2,659.752 Year Average

$39,556.65

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  5.09%
  
  $2659.751/mth
  
  Year 1 3M SORA + 1.450%
- Year 2
  
  5.09%
  
  $2659.751/mth
  
  Year 2 3M SORA + 1.450%
- Year 3
  
  7.14%
  
  $3094.832/mth
  
  Year 3 3M SORA + 3.500%
- Year 4
  
  8.14%
  
  $3299.877/mth
  
  Year 4 3M SORA + 4.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 April and disbursement by 31 July 2024 - Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 5 Years Lock-in Period - 5 Years Clawback - $1,000 Facility Fees For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

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