(Minimum loan amount requirement applies)

Year 1: 3M SORA + 1.15%

Year 2: 3M SORA + 1.15%

Year 3: 3M SORA + 1.40%

Thereafter: 3M SORA + 1.40%

– One free conversion after 12 months

– Up to 20% partial payment is allowed during lock-in

Legal and valuation subsidy for refinancing only

– 0.4% of loan amount, capped at $2,500