(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.35%

Year 2: 3M SORA + 0.35%

Year 3: 3M SORA + 0.35%

Year 4: 3M SORA + 0.35%

Thereafter: 3M SORA + 0.60%

– 2 free conversions, 1st time after 1st loan disbursement and before TOP, 2nd time anytime after TOP

– No need to pay bank’s fire insurance for MCST property

– Waiver of penalty due to sale