Get The Best Home Loans
Updated Dec 2024
3-Month SORA (Private)
First Year Interest
3.99%
3M SORA
+
0.50%
Second Year Interest
3.99%
3M SORA
+
0.50%
2 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.50%
Year 2: 3M SORA + 0.50%
Year 3: 3M SORA + 0.60%
Thereafter: 3M SORA + 1.00%
– One free conversion after lock in period
– Must take up BOC credit card
Legal subsidy for refinancing only
– 0.40% of loan amount, capped at $1,800
Fixed Deposit Linked Rate
First Year Interest
4.00%
DBS FHR6
+
1.10%
Second Year Interest
4.00%
DBS FHR6
+
1.10%
2 years lock-in
Minimum $800,000
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Features
(Minimum loan amount requirement applies)
Year 1: FHR6 + 1.10%
Year 2: FHR6 + 1.10%
Thereafter: FHR6 + 1.10%
– One free conversion after 12 months
Cash rebate for refinancing only
Private loan amount above 500K – $2,000
Private loan amount above 1.0M – $2,500
Private loan amount above 1.5M – $2,800
HDB loan amount above 250K – $2,000
3-Month SORA (Citigold)
First Year Interest
4.04%
3M SORA
+
0.55%
Second Year Interest
4.04%
3M SORA
+
0.55%
2 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.55%
Year 2: 3M SORA + 0.55%
Year 3: 3M SORA + 0.65%
Thereafter: 3M SORA + 1.00%
– 50% interest offset account
– Pegged to 3M SORA with monthly refresh
Legal subsidy for refinancing only
– 0.40% of loan amount, capped at $2,500
3-Month SORA (Private)
First Year Interest
4.04%
3M SORA
+
0.55%
Second Year Interest
4.04%
3M SORA
+
0.55%
0 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.55%
Year 2: 3M SORA + 0.55%
Year 3: 3M SORA + 0.70%
Thereafter: 3M SORA + 1.00%
– One free conversion after the 1st loan disbursement
– Must take up BOC credit card
3-Month SORA
First Year Interest
4.04%
3M SORA
+
0.55%
Second Year Interest
4.04%
3M SORA
+
0.55%
2 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.55%
Year 2: 3M SORA + 0.55%
Year 3: 3M SORA + 0.60%
Thereafter: 3M SORA + 1.00%
– One free conversion after 12 months
Legal subsidy for refinancing only
Loan amount above 500K – $1,800
Valuation subsidy for refinancing only
Loan amount above 500K – $350
Loan amount above 1.0M – $500
1-Month SORA (HDB)
First Year Interest
4.07%
1M SORA
+
0.65%
Second Year Interest
4.07%
1M SORA
+
0.65%
2 years lock-in
Minimum $300,000
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Features
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.65%
Year 2: 1M SORA + 0.65%
Year 3: 1M SORA + 1.10%
Thereafter: 1M SORA + 1.10%
– One free conversion after 12 months
– Up to 50% partial payment is allowed during lock-in
Legal and valuation subsidy for refinancing only
– 0.4% of loan amount, capped at $2,500
3-Month SORA (Citigold)
First Year Interest
4.14%
3M SORA
+
0.65%
Second Year Interest
4.14%
3M SORA
+
0.65%
0 years lock-in
Minimum $750,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.65%
Year 2: 3M SORA + 0.65%
Year 3: 3M SORA + 0.65%
Year 4: 3M SORA + 0.65%
Thereafter: 3M SORA + 1.00%
– 50% interest offset account
– One time free conversion within 6 months from TOP
– Pegged to 3M SORA with monthly refresh
3-Month SORA (HDB)
First Year Interest
4.14%
3M SORA
+
0.65%
Second Year Interest
4.14%
3M SORA
+
0.65%
2 years lock-in
Minimum $200,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.65%
Year 2: 3M SORA + 0.65%
Year 3: 3M SORA + 0.80%
Thereafter: 3M SORA + 1.00%
– One free conversion anytime after one year
– Up to 50% partial repayment is allowed during lock-in
3-Month SORA
First Year Interest
4.14%
3M SORA
+
0.65%
Second Year Interest
4.14%
3M SORA
+
0.65%
2 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.65%
Year 2: 3M SORA + 0.65%
Year 3: 3M SORA + 0.75%
Thereafter: 3M SORA + 1.00%
– 50% interest offset account
– Pegged to 3M SORA with monthly refresh
Legal subsidy for refinancing only
– 0.20% of loan amount, capped at $2,500
3-Month SORA
First Year Interest
4.24%
3M SORA
+
0.75%
Second Year Interest
4.24%
3M SORA
+
0.75%
3 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.75%
Year 2: 3M SORA + 0.75%
Year 3: 3M SORA + 0.75%
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