Get The Best Home Loans
Updated Dec 2024
3-Month SORA (Private)
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
1 Year Fixed
First Year Interest
4.25%
Fixed
Second Year Interest
4.24%
Fixed
2 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 4.25% Fixed
Year 2: 3M SORA + 0.75%
Year 3: 3M SORA + 0.85%
Thereafter: 3M SORA + 1.00%
– One free conversion after 12 months to fixed rate only
Legal and valuation subsidy for refinancing only
– 0.20% of loan amount, capped at $2,500
Board Rate (Private)
First Year Interest
4.35%
Board Rate
+
3.35%
Second Year Interest
4.35%
Board Rate
+
3.35%
2 years lock-in
Minimum $100,000
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Features
(Minimum loan amount requirement applies)
Year 1: 4.35% Board Rate
Year 2: 4.35% Board Rate
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
Board Rate (HDB)
First Year Interest
4.35%
Board Rate
+
3.35%
Second Year Interest
4.35%
Board Rate
+
3.35%
2 years lock-in
Minimum $100,000
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Features
(Minimum loan amount requirement applies)
Year 1: 4.35% Board Rate
Year 2: 4.35% Board Rate
Thereafter: 4.35% Board Rate
– No valuation fee
Cash rebate for refinancing only
Loan amount above 250K – $2,000
3-Month SORA (Private)
First Year Interest
4.44%
3M SORA
+
0.95%
Second Year Interest
4.44%
3M SORA
+
0.95%
2 years lock-in
Minimum $200,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.95%
Year 2: 3M SORA + 0.95%
Year 3: 3M SORA + 1.20%
Thereafter: 3M SORA + 1.25%
– 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
First Year Interest
4.49%
3M SORA
+
1.00%
Second Year Interest
4.49%
3M SORA
+
1.00%
0 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 1.00%
Year 2: 3M SORA + 1.00%
Thereafter: 3M SORA + 1.00%
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 (HDB)
First Year Interest
4.64%
3M SORA
+
1.15%
Second Year Interest
4.64%
3M SORA
+
1.15%
2 years lock-in
Minimum $300,000
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Features
(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