(Minimum loan amount requirement applies)

Year 1: 2.55% Fixed

Year 2: 2.55% Fixed

Year 3: 3M SORA + 0.70%

Thereafter: 3M SORA + 1.00%

– One time free conversion after lock in period

– 100% penalty refund if due to sale and new loan min 200K to be taken up within 6 months from date of redemption

Subsidy is applicable to both purchase and refinancing

– Legal subsidy 0.30% of loan amount, capped at $2,000

– Valuation subsidy $500 for loan amount above 800K