Get The Best Home Loans
Updated Dec 2024
3 Year Fixed (Green Mortgage) (Private)
First Year Interest
2.40%
Fixed
Second Year Interest
2.40%
Fixed
3 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
(Only applicable to selected properties with GREEN MARK certification)
Year 1: 2.40% Fixed
Year 2: 2.40% Fixed
Year 3: 2.45% Fixed
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
3 Year Fixed (With 200K Deposit)
First Year Interest
2.40%
Fixed
Second Year Interest
2.40%
Fixed
3 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
(Must deposit 200K fresh fund for 6 months)
Year 1: 2.40% Fixed
Year 2: 2.40% Fixed
Year 3: 2.40% Fixed
Year 4: 3M SORA + 0.45%
Thereafter: 3M SORA + 0.90%
– One free conversion after lock in period
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
2 Year Fixed Flexi (Green Mortgage) (Private)
First Year Interest
2.45%
Fixed
Second Year Interest
2.45%
Fixed
2 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
(Only applicable to selected properties with GREEN MARK certification)
Year 1: 2.45% Fixed
Year 2: 2.45% Fixed
Year 3: 3M SORA + 0.80%
Thereafter: 3M SORA + 1.00%
– One free conversion after 12 months
– Must take up BOC credit card
Legal subsidy for refinancing only
– 0.40% of loan amount, capped at $1,800
3 Year Fixed (Private)
First Year Interest
2.45%
Fixed
Second Year Interest
2.45%
Fixed
3 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
Year 1: 2.45% Fixed
Year 2: 2.45% Fixed
Year 3: 2.45% Fixed
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
5 Year Fixed (HDB)
First Year Interest
2.50%
Fixed
Second Year Interest
2.50%
Fixed
5 years lock-in
Minimum $200,000
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Features
(Minimum loan amount requirement applies)
Year 1: 2.50% Fixed
Year 2: 2.50% Fixed
Year 3: 2.50% Fixed
Year 4: 2.50% Fixed
Year 5: 2.50% Fixed
Thereafter: 3M SORA + 1.00%
– One free conversion after lock in period
– Waiver of penalty due to sale
– Partial repayment during lock in period is allowed
Cash rebate for refinancing only
HDB loan amount above 250K – $2,000
3 Year Fixed (Priority Banking)
First Year Interest
2.50%
Fixed
Second Year Interest
2.50%
Fixed
3 years lock-in
Minimum $700,000
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Features
(Minimum loan amount requirement applies)
Year 1: 2.50% Fixed
Year 2: 2.50% Fixed
Year 3: 2.50% Fixed
Year 4: 3M SORA + 0.55%
Thereafter: 3M SORA + 1.00%
– One free conversion after lock in period
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
2 Year Fixed Flexi (Private)
First Year Interest
2.50%
Fixed
Second Year Interest
2.50%
Fixed
2 years lock-in
Minimum $500,000
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Features
(Minimum loan amount requirement applies)
Year 1: 2.50% Fixed
Year 2: 2.50% Fixed
Year 3: 3M SORA + 0.80%
Thereafter: 3M SORA + 1.00%
– One free conversion after 12 months
– Must take up BOC credit card
Legal subsidy for refinancing only
– 0.40% of loan amount, capped at $1,800
3 Year Fixed
First Year Interest
2.50%
Fixed
Second Year Interest
2.50%
Fixed
3 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 2.50% Fixed
Year 2: 2.50% Fixed
Year 3: 2.50% Fixed
Year 4: 3M SORA + 0.55%
Thereafter: 3M SORA + 1.00%
– One free conversion after lock in period
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
2 Year Fixed (Private)
First Year Interest
2.55%
Fixed
Second Year Interest
2.55%
Fixed
2 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 2.55% Fixed
Year 2: 2.55% Fixed
Year 3: 3M SORA + 0.70%
Thereafter: 3M SORA + 1.00%
– One time free conversion after lock in period
– 100% penalty refund if due to sale and new loan min 200K to be taken up within 6 months from date of redemption
Subsidy is applicable to both purchase and refinancing
– Legal subsidy 0.30% of loan amount, capped at $2,000
– Valuation subsidy $500 for loan amount above 800K
3 Year Fixed (HDB)
First Year Interest
2.55%
Fixed
Second Year Interest
2.55%
Fixed
3 years lock-in
Minimum $1,000,000
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Features
(Minimum loan amount requirement applies)
Year 1: 2.55% Fixed
Year 2: 2.55% Fixed
Year 3: 2.55% Fixed
Thereafter: 3M SORA + 1.00%
– One free conversion after lock in period
Cash rebate for refinancing only
HDB Loan amount above 300K – $1,800