Get The Best Home Loans

Updated Oct 2024

3-Month SORA (Private)

First Year Interest

4.41%

3M SORA

+

0.75%

Second Year Interest

4.41%

3M SORA

+

0.75%

3 years lock-in

Minimum $500,000

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

3-Month SORA

First Year Interest

4.41%

3M SORA

+

0.75%

Second Year Interest

4.41%

3M SORA

+

0.75%

3 years lock-in

Minimum $500,000

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

3-Month SORA

First Year Interest

3.96%

3M SORA

+

0.30%

Second Year Interest

3.96%

3M SORA

+

0.30%

2 years lock-in

Minimum $500,000

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

3-Month SORA

First Year Interest

4.66%

3M SORA

+

1.00%

Second Year Interest

4.66%

3M SORA

+

1.00%

0 years lock-in

Minimum $500,000

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

2 Year Fixed (Flexi)

First Year Interest

3.75%

Fixed

Second Year Interest

3.75%

Fixed

2 years lock-in

Minimum $650,000

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 12 months

– 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

4.11%

1M SORA

+

0.40%

Second Year Interest

4.11%

1M SORA

+

0.40%

0 years lock-in

Minimum $1,000,000

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 (HDB)

First Year Interest

4.36%

1M SORA

+

0.65%

Second Year Interest

4.36%

1M SORA

+

0.65%

2 years lock-in

Minimum $300,000

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 (HDB)

First Year Interest

4.81%

3M SORA

+

1.15%

Second Year Interest

4.81%

3M SORA

+

1.15%

2 years lock-in

Minimum $300,000

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

1-Month SORA (Private)

First Year Interest

4.26%

1M SORA

+

0.55%

Second Year Interest

4.31%

1M SORA

+

0.60%

2 years lock-in

Minimum $500,000

Features

(Minimum loan amount requirement applies)

Year 1: 1M SORA + 0.55%

Year 2: 1M SORA + 0.60%

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 (Private)

First Year Interest

4.61%

3M SORA

+

0.95%

Second Year Interest

4.61%

3M SORA

+

0.95%

2 years lock-in

Minimum $200,000

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