(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