Get The Best Home Loans
Updated Dec 2024
2 Year Fixed (Private)
First Year Interest
2.90%
Fixed
Second Year Interest
2.90%
Fixed
2 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
Year 1: 2.90% Fixed
Year 2: 2.90% Fixed
Thereafter: 4.35% Board Rate
– No valuation fee
– Commitment fee 0.02% of the loan amount, subject to min $200
Cash rebate for refinancing only
Loan amount above 250K – $2,000
1 Year Fixed (Citigold)
First Year Interest
3.20%
Fixed
Second Year Interest
4.04%
Fixed
2 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3.20% Fixed
Year 2: 3M SORA + 0.55%
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
– One free conversion after 12 months to fixed rate only
Legal and valuation subsidy for refinancing only
– 0.40% of loan amount, capped at $2,500
3 Year Fixed
First Year Interest
3.75%
Fixed
Second Year Interest
3.75%
Fixed
3 years lock-in
Minimum $100,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Year 3: 3.75% Fixed
Thereafter: 1M SORA + 1.00%
Cash rebate for refinancing only
0.4% of loan amount, capped at $2,500
2 Year Fixed
First Year Interest
3.75%
Fixed
Second Year Interest
3.75%
Fixed
2 years lock-in
Minimum $650,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3.75% Fixed
Year 2: 3.75% Fixed
Thereafter: 3M SORA + 1.00%
– One free conversion after lock in period
– Waiver of penalty due to sale after 6 months of repayment
Subsidies for refinancing ONLY:
– Legal subsidy 0.4% of loan amount, capped at $1,800
– Full valuation subsidy
– Free fire insurance for first year
– Clawback period is 2 years for all the above subsidies
3-Month SORA
First Year Interest
3.79%
3M SORA
+
0.30%
Second Year Interest
3.79%
3M SORA
+
0.30%
2 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.30%
Year 2: 3M SORA + 0.30%
Thereafter: 3M SORA + 1.00%
– Waiver of penalty due to sale after 6 months of repayment
Subsidies for refinancing ONLY:
– Legal subsidy 0.4% of loan amount, capped at $1,800
– Full valuation subsidy
– Free fire insurance for first year
– Clawback period is 2 years for all the above subsidies
1-Month SORA (Private)
First Year Interest
3.82%
1M SORA
+
0.40%
Second Year Interest
3.82%
1M SORA
+
0.40%
0 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.40%
Year 2: 1M SORA + 0.40%
Year 3: 1M SORA + 0.40%
Year 4: 1M SORA + 0.40%
Thereafter: 1M SORA + 0.60%
– 2 free conversion from 1st disbursement to 3 mths after TOP
– Up to 50% repayment of original loan amount within first 4 years from 1st disbursement
1-Month SORA
First Year Interest
3.82%
1M SORA
+
0.40%
Second Year Interest
3.82%
1M SORA
+
0.40%
0 years lock-in
Minimum $700,000
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Features
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.40%
Year 2: 1M SORA + 0.40%
Year 3: 1M SORA + 0.40%
Year 4: 1M SORA + 0.45%
Year 5: 1M SORA + 0.80%
Thereafter: 1M SORA + 1.00%
– Two free conversions: first time from first disbursement to TOP and second time within 6 months from TOP
– No valuation fee
1-Month SORA (Private)
First Year Interest
3.82%
1M SORA
+
0.40%
Second Year Interest
3.82%
1M SORA
+
0.40%
0 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.40%
Year 2: 1M SORA + 0.40%
Year 3: 1M SORA + 0.40%
Year 4: 1M SORA + 0.40%
Thereafter: 1M SORA + 0.75%
– One free conversion anytime
– 100% waiver due to sale
– Smart mortgage (up to 70% interest offset)
3-Month SORA (Private)
First Year Interest
3.84%
3M SORA
+
0.35%
Second Year Interest
3.84%
3M SORA
+
0.35%
0 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.35%
Year 2: 3M SORA + 0.35%
Year 3: 3M SORA + 0.35%
Year 4: 3M SORA + 0.35%
Thereafter: 3M SORA + 0.60%
– 2 free conversions, 1st time after 1st loan disbursement and before TOP, 2nd time anytime after TOP
– No need to pay bank’s fire insurance for MCST property
– Waiver of penalty due to sale
3-Month SORA
First Year Interest
3.84%
3M SORA
+
0.35%
Second Year Interest
3.84%
3M SORA
+
0.35%
0 years lock-in
Minimum $700,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.35%
Year 2: 3M SORA + 0.35%
Year 3: 3M SORA + 0.35%
Year 4: 3M SORA + 0.35%
Thereafter: 3M SORA + 0.60%
– One free conversion within 6 months from TOP
– No valuation fee