(Minimum loan amount requirement applies)

Year 1: 3.75% Fixed

Year 2: 3.75% Fixed

Thereafter: 3M SORA + 1.00%

– One free conversion after lock in period

– 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