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
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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
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
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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
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
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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
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
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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
2 Year Fixed (Flexi)
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 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
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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 (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
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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 (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
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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
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
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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
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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