0.91% (First year)


$ 317 (First year)


No Lock-in Lock-in Period
1m SORA Rate Type

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.700% = 0.91%
    • $ 317/mth
    • Year 2
    • 1m SORA + 0.700% = 0.91%
    • $ 317/mth
    • Year 3
    • 1m SORA + 1.250% = 1.46%
    • $ 341/mth
    • Year 4
    • 1m SORA + 1.250% = 1.46%
    • $ 341/mth
    • Year 5
    • 1m SORA + 1.250% = 1.46%
    • $ 341/mth
    • Year 6+
    • 1m SORA + 1.250% = 1.46%
    • $ 341/mth


0.91% (First year)


$ 317 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.700% = 0.91%
    • $ 317/mth
    • Year 2
    • 1m SORA + 0.700% = 0.91%
    • $ 317/mth
    • Year 3
    • 1m SORA + 1.250% = 1.46%
    • $ 341/mth
    • Year 4
    • 1m SORA + 1.250% = 1.46%
    • $ 341/mth
    • Year 5
    • 1m SORA + 1.250% = 1.46%
    • $ 341/mth
    • Year 6+
    • 1m SORA + 1.250% = 1.46%
    • $ 341/mth


0.94% (First year)


$ 319 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing (Min Loan $500k)

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.750% = 0.94%
    • $ 319/mth
    • Year 2
    • 3m SORA + 0.750% = 0.94%
    • $ 319/mth
    • Year 3
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 4
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 5
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 6+
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth


0.96% (First year)


$ 320 (First year)


No Lock-in Lock-in Period
1m SORA Rate Type

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.750% = 0.96%
    • $ 320/mth
    • Year 2
    • 1m SORA + 0.750% = 0.96%
    • $ 320/mth
    • Year 3
    • 1m SORA + 1.250% = 1.46%
    • $ 342/mth
    • Year 4
    • 1m SORA + 1.250% = 1.46%
    • $ 342/mth
    • Year 5
    • 1m SORA + 1.250% = 1.46%
    • $ 342/mth
    • Year 6+
    • 1m SORA + 1.250% = 1.46%
    • $ 342/mth


0.96% (First year)


$ 320 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.750% = 0.96%
    • $ 320/mth
    • Year 2
    • 1m SORA + 0.750% = 0.96%
    • $ 320/mth
    • Year 3
    • 1m SORA + 1.250% = 1.46%
    • $ 342/mth
    • Year 4
    • 1m SORA + 1.250% = 1.46%
    • $ 342/mth
    • Year 5
    • 1m SORA + 1.250% = 1.46%
    • $ 342/mth
    • Year 6+
    • 1m SORA + 1.250% = 1.46%
    • $ 342/mth


0.97% (First year)


$ 320 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.780% = 0.97%
    • $ 320/mth
    • Year 2
    • 3m SORA + 0.780% = 0.97%
    • $ 320/mth
    • Year 3
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 4
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 5
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 6+
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth


0.98% (First year)


$ 321 (First year)


1 year Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion anytime if MBR Increase or after Lock In
  • Prepayment Penalty Waiver - Up to 50% of Original Loan Amount
  • 50% Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • Board + 0.980% = 0.98%
    • $ 321/mth
    • Year 2
    • Board + 0.980% = 0.98%
    • $ 321/mth
    • Year 3
    • Board + 1.400% = 1.40%
    • $ 339/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 357/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 357/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 357/mth


0.98% (First year)


$ 321 (First year)


1 year Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion anytime if MBR Increase or after Lock In
  • Prepayment Penalty Waiver - Up to 50% of Original Loan Amount
  • 50% Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • Board + 0.980% = 0.98%
    • $ 321/mth
    • Year 2
    • Board + 0.980% = 0.98%
    • $ 321/mth
    • Year 3
    • Board + 1.400% = 1.40%
    • $ 339/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 357/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 357/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 357/mth


0.99% (First year)


$ 321 (First year)


3 years Lock-in Period
1m SORA Rate Type

FEATURES

  • All Packages
  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale
  • Refinancing only
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.780% = 0.99%
    • $ 321/mth
    • Year 2
    • 1m SORA + 0.780% = 0.99%
    • $ 321/mth
    • Year 3
    • 1m SORA + 0.780% = 0.99%
    • $ 321/mth
    • Year 4
    • 1m SORA + 1.200% = 1.41%
    • $ 339/mth
    • Year 5
    • 1m SORA + 1.200% = 1.41%
    • $ 339/mth
    • Year 6+
    • 1m SORA + 1.200% = 1.41%
    • $ 339/mth


0.99% (First year)


$ 321 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • All Packages
  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale
  • Refinancing only
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.780% = 0.99%
    • $ 321/mth
    • Year 2
    • 1m SORA + 0.780% = 0.99%
    • $ 321/mth
    • Year 3
    • 1m SORA + 1.200% = 1.41%
    • $ 339/mth
    • Year 4
    • 1m SORA + 1.200% = 1.41%
    • $ 339/mth
    • Year 5
    • 1m SORA + 1.200% = 1.41%
    • $ 339/mth
    • Year 6+
    • 1m SORA + 1.200% = 1.41%
    • $ 339/mth


0.99% (First year)


$ 321 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 2
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 3
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 4
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 5
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 6+
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth


0.99% (First year)


$ 321 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 2
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 3
    • 3m SORA + 1.000% = 1.19%
    • $ 330/mth
    • Year 4
    • 3m SORA + 1.000% = 1.19%
    • $ 330/mth
    • Year 5
    • 3m SORA + 1.000% = 1.19%
    • $ 330/mth
    • Year 6+
    • 3m SORA + 1.000% = 1.19%
    • $ 330/mth


0.99% (First year)


$ 321 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 2
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 3
    • 3m SORA + 1.250% = 1.44%
    • $ 341/mth
    • Year 4
    • 3m SORA + 1.250% = 1.44%
    • $ 341/mth
    • Year 5
    • 3m SORA + 1.250% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3m SORA + 1.250% = 1.44%
    • $ 341/mth


0.99% (First year)


$ 321 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 2
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 3
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 4
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 5
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 6+
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth


0.99% (First year)


$ 321 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing (Min Loan $500k)

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 2
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 3
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 4
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 5
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 6+
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth


0.99% (First year)


$ 321 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 2
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 3
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth
    • Year 4
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth
    • Year 5
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth
    • Year 6+
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth


0.99% (First year)


$ 321 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 2
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 3
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth
    • Year 4
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth
    • Year 5
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth
    • Year 6+
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth


0.99% (First year)


$ 321 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing (Min Loan $500k)

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 2
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 3
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth
    • Year 4
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth
    • Year 5
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth
    • Year 6+
    • 3m SORA + 1.350% = 1.54%
    • $ 345/mth


0.99% (First year)


$ 321 (First year)


3 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Partial Payment Penalty Waiver up to 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.800% = 0.99%
    • $ 321/mth
    • Year 2
    • 3m SORA + 0.850% = 1.04%
    • $ 323/mth
    • Year 3
    • 3m SORA + 0.850% = 1.04%
    • $ 323/mth
    • Year 4
    • 3m SORA + 1.250% = 1.44%
    • $ 340/mth
    • Year 5
    • 3m SORA + 1.250% = 1.44%
    • $ 340/mth
    • Year 6+
    • 3m SORA + 1.250% = 1.44%
    • $ 340/mth


1.00% (First year)


$ 322 (First year)


3 years Lock-in Period
FHR6 (DBS) Rate Type

FEATURES

  • Waiver of Penalty due to sale

RATES AND PAYMENTS

    • Year 1
    • FHR6 (DBS) + 0.800% = 1.00%
    • $ 322/mth
    • Year 2
    • FHR6 (DBS) + 0.850% = 1.05%
    • $ 324/mth
    • Year 3
    • FHR6 (DBS) + 0.900% = 1.10%
    • $ 326/mth
    • Year 4
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 330/mth
    • Year 5
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 330/mth
    • Year 6+
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 330/mth


1.00% (First year)


$ 322 (First year)


2 years Lock-in Period
FHR6 (DBS) Rate Type

FEATURES

  • Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • FHR6 (DBS) + 0.800% = 1.00%
    • $ 322/mth
    • Year 2
    • FHR6 (DBS) + 0.900% = 1.10%
    • $ 326/mth
    • Year 3
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 330/mth
    • Year 4
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 330/mth
    • Year 5
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 330/mth
    • Year 6+
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 330/mth


1.04% (First year)


$ 324 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 2
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 3
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 4
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 5
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 6+
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth


1.04% (First year)


$ 324 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 2
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 3
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 4
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 5
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 6+
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth


1.04% (First year)


$ 324 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Partial Payment Penalty Waiver up to 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 2
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 3
    • 3m SORA + 1.250% = 1.44%
    • $ 341/mth
    • Year 4
    • 3m SORA + 1.250% = 1.44%
    • $ 341/mth
    • Year 5
    • 3m SORA + 1.250% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3m SORA + 1.250% = 1.44%
    • $ 341/mth


1.04% (First year)


$ 324 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 x Free Conversion after 12months

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 2
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 3
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 4
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 5
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 6+
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth


1.04% (First year)


$ 324 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing (Min Loan $500k)

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 2
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 3
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth
    • Year 4
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth
    • Year 5
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth
    • Year 6+
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth


1.04% (First year)


$ 324 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • - 1 x Free within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 2
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 3
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth
    • Year 4
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth
    • Year 5
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth
    • Year 6+
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth


1.04% (First year)


$ 324 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 x Free Conversion Anytime
  • Partial Payment up to 30% of Original Loan amount during lock in
  • 50% Waiver of Penalty Due to Sale
  • (Loan Less Than $800k)
  • 100% Waiver of Penalty Due to Sale
  • (Loan More Than $800k)

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 2
    • 3m SORA + 0.850% = 1.04%
    • $ 324/mth
    • Year 3
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth
    • Year 4
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth
    • Year 5
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth
    • Year 6+
    • 3m SORA + 1.350% = 1.54%
    • $ 346/mth


1.06% (First year)


$ 324 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • 1 x Free Conversion after 12months

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.850% = 1.06%
    • $ 324/mth
    • Year 2
    • 1m SORA + 0.850% = 1.06%
    • $ 324/mth
    • Year 3
    • 1m SORA + 1.300% = 1.51%
    • $ 344/mth
    • Year 4
    • 1m SORA + 1.300% = 1.51%
    • $ 344/mth
    • Year 5
    • 1m SORA + 1.300% = 1.51%
    • $ 344/mth
    • Year 6+
    • 1m SORA + 1.300% = 1.51%
    • $ 344/mth


1.07% (First year)


$ 325 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 2
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 3
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 4
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 5
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 6+
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth


1.07% (First year)


$ 325 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 x Free Conversion from disbursement to 6month from T.O.P

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 2
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 3
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 4
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 5
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 6+
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth


1.07% (First year)


$ 325 (First year)


3 years Lock-in Period
3m SORA Rate Type

FEATURES

  • All Packages
  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale
  • Refinancing only
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 2
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 3
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 4
    • 3m SORA + 1.200% = 1.39%
    • $ 338/mth
    • Year 5
    • 3m SORA + 1.200% = 1.39%
    • $ 338/mth
    • Year 6+
    • 3m SORA + 1.200% = 1.39%
    • $ 338/mth


1.07% (First year)


$ 325 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • All Packages
  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale
  • Refinancing only
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 2
    • 3m SORA + 0.880% = 1.07%
    • $ 325/mth
    • Year 3
    • 3m SORA + 1.200% = 1.39%
    • $ 339/mth
    • Year 4
    • 3m SORA + 1.200% = 1.39%
    • $ 339/mth
    • Year 5
    • 3m SORA + 1.200% = 1.39%
    • $ 339/mth
    • Year 6+
    • 3m SORA + 1.200% = 1.39%
    • $ 339/mth


1.09% (First year)


$ 326 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • Free Conversion after 12 month
  • Prepayment Penalty Waiver - Up to 50% of Original Loan Amount
  • 50% Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.880% = 1.09%
    • $ 326/mth
    • Year 2
    • 1m SORA + 0.880% = 1.09%
    • $ 326/mth
    • Year 3
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth
    • Year 4
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth
    • Year 5
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth
    • Year 6+
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth


1.09% (First year)


$ 326 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • Free Conversion after 12 month
  • Prepayment Penalty Waiver - Up to 50% of Original Loan Amount
  • 50% Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.880% = 1.09%
    • $ 326/mth
    • Year 2
    • 1m SORA + 0.880% = 1.09%
    • $ 326/mth
    • Year 3
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth
    • Year 4
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth
    • Year 5
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth
    • Year 6+
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth


1.09% (First year)


$ 326 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth
    • Year 2
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth
    • Year 3
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth
    • Year 4
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth
    • Year 5
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth
    • Year 6+
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth


1.09% (First year)


$ 326 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 x Free Conversion after 12months

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth
    • Year 2
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth
    • Year 3
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 4
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 5
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 6+
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth


1.09% (First year)


$ 326 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • - 1 time free conversion
  • - No valuation report required.

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth
    • Year 2
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth
    • Year 3
    • 3m SORA + 1.400% = 1.59%
    • $ 348/mth
    • Year 4
    • 3m SORA + 1.400% = 1.59%
    • $ 348/mth
    • Year 5
    • 3m SORA + 1.400% = 1.59%
    • $ 348/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.59%
    • $ 348/mth


1.09% (First year)


$ 326 (First year)


1 year Lock-in Period
3m SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Partial Payment Penalty Waiver up to 50% of Loan Prepaid during Lock In

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth
    • Year 2
    • 3m SORA + 0.900% = 1.09%
    • $ 326/mth
    • Year 3
    • 3m SORA + 1.400% = 1.59%
    • $ 348/mth
    • Year 4
    • 3m SORA + 1.400% = 1.59%
    • $ 348/mth
    • Year 5
    • 3m SORA + 1.400% = 1.59%
    • $ 348/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.59%
    • $ 348/mth


1.10% (First year)


$ 326 (First year)


3 years Lock-in Period
FHR6 (DBS) Rate Type

FEATURES

  • Waiver of Penalty due to sale

RATES AND PAYMENTS

    • Year 1
    • FHR6 (DBS) + 0.900% = 1.10%
    • $ 326/mth
    • Year 2
    • FHR6 (DBS) + 0.900% = 1.10%
    • $ 326/mth
    • Year 3
    • FHR6 (DBS) + 0.900% = 1.10%
    • $ 326/mth
    • Year 4
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 330/mth
    • Year 5
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 330/mth
    • Year 6+
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 330/mth


1.10% (First year)


$ 326 (First year)


No Lock-in Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • 1 X Free Conversion after TOP

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 2
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 3
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 4
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth
    • Year 5
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth
    • Year 6+
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth


1.10% (First year)


$ 326 (First year)


2 years Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 2
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 3
    • FDR36(SCB) + 0.380% = 1.10%
    • $ 326/mth
    • Year 4
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth
    • Year 5
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth
    • Year 6+
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 339/mth


1.10% (First year)


$ 326 (First year)


2 years Lock-in Period
FHR6 (DBS) Rate Type

FEATURES

  • Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • FHR6 (DBS) + 0.900% = 1.10%
    • $ 326/mth
    • Year 2
    • FHR6 (DBS) + 0.900% = 1.10%
    • $ 326/mth
    • Year 3
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 331/mth
    • Year 4
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 331/mth
    • Year 5
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 331/mth
    • Year 6+
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 331/mth


1.11% (First year)


$ 327 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • 1 x Free Conversion after 12months

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.900% = 1.11%
    • $ 327/mth
    • Year 2
    • 1m SORA + 0.900% = 1.11%
    • $ 327/mth
    • Year 3
    • 1m SORA + 1.300% = 1.51%
    • $ 344/mth
    • Year 4
    • 1m SORA + 1.300% = 1.51%
    • $ 344/mth
    • Year 5
    • 1m SORA + 1.300% = 1.51%
    • $ 344/mth
    • Year 6+
    • 1m SORA + 1.300% = 1.51%
    • $ 344/mth


1.12% (First year)


$ 327 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.930% = 1.12%
    • $ 327/mth
    • Year 2
    • 3m SORA + 0.930% = 1.12%
    • $ 327/mth
    • Year 3
    • 3m SORA + 0.930% = 1.12%
    • $ 327/mth
    • Year 4
    • 3m SORA + 0.930% = 1.12%
    • $ 327/mth
    • Year 5
    • 3m SORA + 0.930% = 1.12%
    • $ 327/mth
    • Year 6+
    • 3m SORA + 0.930% = 1.12%
    • $ 327/mth


1.14% (First year)


$ 328 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 x Free Conversion from disbursement to 6month from T.O.P

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.950% = 1.14%
    • $ 328/mth
    • Year 2
    • 3m SORA + 0.950% = 1.14%
    • $ 328/mth
    • Year 3
    • 3m SORA + 0.950% = 1.14%
    • $ 328/mth
    • Year 4
    • 3m SORA + 0.950% = 1.14%
    • $ 328/mth
    • Year 5
    • 3m SORA + 0.950% = 1.14%
    • $ 328/mth
    • Year 6+
    • 3m SORA + 0.950% = 1.14%
    • $ 328/mth


1.15% (First year)


$ 329 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Partial Payment Penalty Waiver up to 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • Board + 1.150% = 1.15%
    • $ 329/mth
    • Year 2
    • Board + 1.150% = 1.15%
    • $ 329/mth
    • Year 3
    • Board + 1.650% = 1.65%
    • $ 351/mth
    • Year 4
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 5
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 6+
    • Board + 2.280% = 2.28%
    • $ 379/mth


1.15% (First year)


$ 329 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Partial Payment Penalty Waiver up to 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • Board + 1.150% = 1.15%
    • $ 329/mth
    • Year 2
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 3
    • Board + 1.250% = 1.25%
    • $ 333/mth
    • Year 4
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 5
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 6+
    • Board + 2.280% = 2.28%
    • $ 379/mth


1.16% (First year)


$ 329 (First year)


No Lock-in Lock-in Period
1m SORA Rate Type

FEATURES

  • All Packages
  • - Free Conversion Anytime
  • - Waiver of Penalty due to sale
  • Refinancing only
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.950% = 1.16%
    • $ 329/mth
    • Year 2
    • 1m SORA + 0.950% = 1.16%
    • $ 329/mth
    • Year 3
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth
    • Year 4
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth
    • Year 5
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth
    • Year 6+
    • 1m SORA + 1.200% = 1.41%
    • $ 340/mth


1.17% (First year)


$ 330 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.980% = 1.17%
    • $ 330/mth
    • Year 2
    • 3m SORA + 0.980% = 1.17%
    • $ 330/mth
    • Year 3
    • 3m SORA + 0.980% = 1.17%
    • $ 330/mth
    • Year 4
    • 3m SORA + 0.980% = 1.17%
    • $ 330/mth
    • Year 5
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth
    • Year 6+
    • 3m SORA + 1.300% = 1.49%
    • $ 343/mth


1.17% (First year)


$ 330 (First year)


3 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Partial Payment Penalty Waiver up to 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.980% = 1.17%
    • $ 330/mth
    • Year 2
    • 3m SORA + 0.980% = 1.17%
    • $ 330/mth
    • Year 3
    • 3m SORA + 1.080% = 1.27%
    • $ 334/mth
    • Year 4
    • 3m SORA + 1.400% = 1.59%
    • $ 348/mth
    • Year 5
    • 3m SORA + 1.400% = 1.59%
    • $ 348/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.59%
    • $ 348/mth


1.18% (First year)


$ 330 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Clawback 2 Years
  • Free In-house valuation for Refinancing

RATES AND PAYMENTS

    • Year 1
    • Board + 1.180% = 1.18%
    • $ 330/mth
    • Year 2
    • Board + 1.180% = 1.18%
    • $ 330/mth
    • Year 3
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 4
    • Board + 2.100% = 2.10%
    • $ 371/mth
    • Year 5
    • Board + 2.100% = 2.10%
    • $ 371/mth
    • Year 6+
    • Board + 2.100% = 2.10%
    • $ 371/mth


1.19% (First year)


$ 330 (First year)


No Lock-in Lock-in Period
1m SORA Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 0.980% = 1.19%
    • $ 330/mth
    • Year 2
    • 1m SORA + 0.980% = 1.19%
    • $ 330/mth
    • Year 3
    • 1m SORA + 0.980% = 1.19%
    • $ 330/mth
    • Year 4
    • 1m SORA + 0.980% = 1.19%
    • $ 330/mth
    • Year 5
    • 1m SORA + 1.300% = 1.51%
    • $ 343/mth
    • Year 6+
    • 1m SORA + 1.300% = 1.51%
    • $ 343/mth


1.20% (First year)


$ 331 (First year)


No Lock-in Lock-in Period
Board Rate Type

FEATURES

  • 2 x Free Conversion ( 1 upon disbursement, 1 upon T.O.P )
  • Waiver of Cancellation Fee due to sale

RATES AND PAYMENTS

    • Year 1
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 2
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 3
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 4
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 5
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 6+
    • Board + 1.200% = 1.20%
    • $ 331/mth


1.24% (First year)


$ 333 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • All Packages
  • - Free Conversion Anytime
  • - Waiver of Penalty due to sale
  • Refinancing only
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.050% = 1.24%
    • $ 333/mth
    • Year 2
    • 3m SORA + 1.050% = 1.24%
    • $ 333/mth
    • Year 3
    • 3m SORA + 1.200% = 1.39%
    • $ 339/mth
    • Year 4
    • 3m SORA + 1.200% = 1.39%
    • $ 339/mth
    • Year 5
    • 3m SORA + 1.200% = 1.39%
    • $ 339/mth
    • Year 6+
    • 3m SORA + 1.200% = 1.39%
    • $ 339/mth


1.25% (First year)


$ 333 (First year)


No Lock-in Lock-in Period
FHR6 (DBS) Rate Type

FEATURES

  • 1 x Free Conversion from disbursement to 6month from T.O.P

RATES AND PAYMENTS

    • Year 1
    • FHR6 (DBS) + 1.050% = 1.25%
    • $ 333/mth
    • Year 2
    • FHR6 (DBS) + 1.050% = 1.25%
    • $ 333/mth
    • Year 3
    • FHR6 (DBS) + 1.050% = 1.25%
    • $ 333/mth
    • Year 4
    • FHR6 (DBS) + 1.050% = 1.25%
    • $ 333/mth
    • Year 5
    • FHR6 (DBS) + 1.050% = 1.25%
    • $ 333/mth
    • Year 6+
    • FHR6 (DBS) + 1.050% = 1.25%
    • $ 333/mth


1.25% (First year)


$ 333 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • 1m SORA + 1.600% = 1.81%
    • $ 358/mth
    • Year 4
    • 1m SORA + 1.600% = 1.81%
    • $ 358/mth
    • Year 5
    • 1m SORA + 1.600% = 1.81%
    • $ 358/mth
    • Year 6+
    • 1m SORA + 1.600% = 1.81%
    • $ 358/mth


1.25% (First year)


$ 333 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing
  • Clawback Period 2 years for Refinancing Subsidies
  • Min Loan for SCB Priority Client: $1m

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • FDR36(SCB) + 1.250% = 1.97%
    • $ 366/mth
    • Year 4
    • FDR36(SCB) + 1.250% = 1.97%
    • $ 366/mth
    • Year 5
    • FDR36(SCB) + 1.250% = 1.97%
    • $ 366/mth
    • Year 6+
    • FDR36(SCB) + 1.250% = 1.97%
    • $ 366/mth


1.27% (First year)


$ 334 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Partial Payment Penalty Waiver up to 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.080% = 1.27%
    • $ 334/mth
    • Year 2
    • 3m SORA + 1.080% = 1.27%
    • $ 334/mth
    • Year 3
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 4
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 5
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth


1.28% (First year)


$ 335 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.28%
    • $ 335/mth
    • Year 2
    • 3m SORA + 1.300% = 1.49%
    • $ 344/mth
    • Year 3
    • 3m SORA + 1.580% = 1.77%
    • $ 357/mth
    • Year 4
    • 3m SORA + 1.780% = 1.97%
    • $ 366/mth
    • Year 5
    • 3m SORA + 1.980% = 2.17%
    • $ 375/mth
    • Year 6+
    • 3m SORA + 1.980% = 2.17%
    • $ 375/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Clawback 2 Years
  • Free In-house valuation for Refinancing

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 4
    • Board + 2.100% = 2.10%
    • $ 371/mth
    • Year 5
    • Board + 2.100% = 2.10%
    • $ 371/mth
    • Year 6+
    • Board + 2.100% = 2.10%
    • $ 371/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • All Packages
  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 4
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 5
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 6+
    • Board + 1.500% = 1.50%
    • $ 345/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • All Packages
  • - Free Conversion after Lock In
  • - Waiver of Penalty due to sale
  • Refinancing only
  • - 2 Years Clawback Period
  • - Full Valuation Subsidy
  • - Free Fire Insurance for 1 Year

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 4
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 5
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 6+
    • Board + 1.500% = 1.50%
    • $ 345/mth


1.33% (First year)


$ 337 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In
  • Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.33%
    • $ 337/mth
    • Year 2
    • Fixed Rate = 1.33%
    • $ 337/mth
    • Year 3
    • 3m SORA + 1.300% = 1.49%
    • $ 344/mth
    • Year 4
    • 3m SORA + 1.300% = 1.49%
    • $ 344/mth
    • Year 5
    • 3m SORA + 1.300% = 1.49%
    • $ 344/mth
    • Year 6+
    • 3m SORA + 1.300% = 1.49%
    • $ 344/mth


1.35% (First year)


$ 338 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In
  • Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 2
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 3
    • 3m SORA + 1.300% = 1.49%
    • $ 344/mth
    • Year 4
    • 3m SORA + 1.300% = 1.49%
    • $ 344/mth
    • Year 5
    • 3m SORA + 1.300% = 1.49%
    • $ 344/mth
    • Year 6+
    • 3m SORA + 1.300% = 1.49%
    • $ 344/mth


1.35% (First year)


$ 338 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 2
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 3
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 358/mth
    • Year 4
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 358/mth
    • Year 5
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 358/mth
    • Year 6+
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 358/mth


1.35% (First year)


$ 338 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 2
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 3
    • 1m SORA + 1.600% = 1.81%
    • $ 359/mth
    • Year 4
    • 1m SORA + 1.600% = 1.81%
    • $ 359/mth
    • Year 5
    • 1m SORA + 1.600% = 1.81%
    • $ 359/mth
    • Year 6+
    • 1m SORA + 1.600% = 1.81%
    • $ 359/mth


1.35% (First year)


$ 338 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 2
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 3
    • 3m SORA + 1.750% = 1.94%
    • $ 365/mth
    • Year 4
    • 3m SORA + 1.750% = 1.94%
    • $ 365/mth
    • Year 5
    • 3m SORA + 1.750% = 1.94%
    • $ 365/mth
    • Year 6+
    • 3m SORA + 1.750% = 1.94%
    • $ 365/mth


1.35% (First year)


$ 338 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Clawback 3 Years
  • Free In-house valuation for Refinancing

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Fixed Rate = 1.55%
    • $ 347/mth
    • Year 4
    • Board + 2.100% = 2.10%
    • $ 372/mth
    • Year 5
    • Board + 2.100% = 2.10%
    • $ 372/mth
    • Year 6+
    • Board + 2.100% = 2.10%
    • $ 372/mth


1.35% (First year)


$ 338 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Partial Payment Penalty Waiver up to 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • Board + 1.350% = 1.35%
    • $ 338/mth
    • Year 2
    • Board + 1.550% = 1.55%
    • $ 347/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 4
    • Board + 2.280% = 2.28%
    • $ 380/mth
    • Year 5
    • Board + 2.280% = 2.28%
    • $ 380/mth
    • Year 6+
    • Board + 2.280% = 2.28%
    • $ 380/mth


1.37% (First year)


$ 339 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Refinancing Only: Valuation Subsidy $500
  • For Loan Tenure =< 20years

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.180% = 1.37%
    • $ 339/mth
    • Year 2
    • 3m SORA + 1.180% = 1.37%
    • $ 339/mth
    • Year 3
    • 3m SORA + 3.000% = 3.19%
    • $ 426/mth
    • Year 4
    • 3m SORA + 3.000% = 3.19%
    • $ 426/mth
    • Year 5
    • 3m SORA + 3.000% = 3.19%
    • $ 426/mth
    • Year 6+
    • 3m SORA + 3.000% = 3.19%
    • $ 426/mth


1.38% (First year)


$ 339 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free conversion after lock in

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.38%
    • $ 339/mth
    • Year 2
    • Fixed Rate = 1.38%
    • $ 339/mth
    • Year 3
    • Fixed Rate = 1.38%
    • $ 339/mth
    • Year 4
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 358/mth
    • Year 5
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 358/mth
    • Year 6+
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 358/mth


1.38% (First year)


$ 339 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.38%
    • $ 339/mth
    • Year 2
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 3
    • FDR36(SCB) + 0.980% = 1.70%
    • $ 354/mth
    • Year 4
    • FDR36(SCB) + 0.980% = 1.70%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 0.980% = 1.70%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 0.980% = 1.70%
    • $ 354/mth


1.38% (First year)


$ 339 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.38%
    • $ 339/mth
    • Year 2
    • Fixed Rate = 1.68%
    • $ 353/mth
    • Year 3
    • Fixed Rate = 1.88%
    • $ 363/mth
    • Year 4
    • FDR36(SCB) + 1.180% = 1.90%
    • $ 363/mth
    • Year 5
    • 3m SORA + 1.980% = 2.17%
    • $ 375/mth
    • Year 6+
    • 3m SORA + 1.980% = 2.17%
    • $ 375/mth


1.39% (First year)


$ 340 (First year)


1 year Lock-in Period
3m SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Partial Payment Penalty Waiver up to 50% of Loan Prepaid during Lock In

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.200% = 1.39%
    • $ 340/mth
    • Year 2
    • 3m SORA + 1.200% = 1.39%
    • $ 340/mth
    • Year 3
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 4
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 5
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth


1.39% (First year)


$ 340 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • - 1 time free conversion
  • - No valuation report required.

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.200% = 1.39%
    • $ 340/mth
    • Year 2
    • 3m SORA + 1.200% = 1.39%
    • $ 340/mth
    • Year 3
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 4
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 5
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth


1.39% (First year)


$ 340 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.200% = 1.39%
    • $ 340/mth
    • Year 2
    • 3m SORA + 1.200% = 1.39%
    • $ 340/mth
    • Year 3
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth
    • Year 4
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth
    • Year 5
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth
    • Year 6+
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth


1.39% (First year)


$ 340 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.200% = 1.39%
    • $ 340/mth
    • Year 2
    • 3m SORA + 1.200% = 1.39%
    • $ 340/mth
    • Year 3
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth
    • Year 4
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth
    • Year 5
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth
    • Year 6+
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth


1.39% (First year)


$ 340 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing (Min Loan $500k)

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.200% = 1.39%
    • $ 340/mth
    • Year 2
    • 3m SORA + 1.300% = 1.49%
    • $ 345/mth
    • Year 3
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 4
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 5
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth


1.39% (First year)


$ 340 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.200% = 1.39%
    • $ 340/mth
    • Year 2
    • 3m SORA + 1.300% = 1.49%
    • $ 345/mth
    • Year 3
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 4
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 5
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.59%
    • $ 349/mth


1.39% (First year)


$ 340 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Valuation subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.200% = 1.39%
    • $ 340/mth
    • Year 2
    • 3m SORA + 1.300% = 1.49%
    • $ 345/mth
    • Year 3
    • 3m SORA + 1.580% = 1.77%
    • $ 357/mth
    • Year 4
    • 3m SORA + 1.780% = 1.97%
    • $ 366/mth
    • Year 5
    • 3m SORA + 1.980% = 2.17%
    • $ 375/mth
    • Year 6+
    • 3m SORA + 1.980% = 2.17%
    • $ 375/mth


1.40% (First year)


$ 340 (First year)


No Lock-in Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • 1 X Free Conversion after TOP

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 2
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 3
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 4
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 5
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 6+
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth


1.40% (First year)


$ 340 (First year)


2 years Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing (Min Loan $500k)

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 2
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 3
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 4
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 5
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 6+
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth


1.40% (First year)


$ 340 (First year)


No Lock-in Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 2
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 3
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 376/mth
    • Year 5
    • Board + 2.200% = 2.20%
    • $ 376/mth
    • Year 6+
    • Board + 2.200% = 2.20%
    • $ 376/mth


1.40% (First year)


$ 340 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion if MBR Increase after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 3
    • Board + 1.600% = 1.60%
    • $ 349/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 358/mth


1.40% (First year)


$ 340 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion if MBR Increase after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 3
    • Board + 1.600% = 1.60%
    • $ 349/mth
    • Year 4
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 5
    • Board + 1.800% = 1.80%
    • $ 358/mth
    • Year 6+
    • Board + 1.800% = 1.80%
    • $ 358/mth


1.40% (First year)


$ 340 (First year)


2 years Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • Valuation Subsidy: Up to $500

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 2
    • FDR36(SCB) + 0.680% = 1.40%
    • $ 340/mth
    • Year 3
    • FDR36(SCB) + 0.980% = 1.70%
    • $ 354/mth
    • Year 4
    • FDR36(SCB) + 0.980% = 1.70%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 0.980% = 1.70%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 0.980% = 1.70%
    • $ 354/mth


1.40% (First year)


$ 340 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing
  • Clawback Period 2 years for Refinancing Subsidies
  • Min Loan for SCB Priority Client: $300k

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 3
    • FDR36(SCB) + 1.250% = 1.97%
    • $ 366/mth
    • Year 4
    • FDR36(SCB) + 1.250% = 1.97%
    • $ 366/mth
    • Year 5
    • FDR36(SCB) + 1.250% = 1.97%
    • $ 366/mth
    • Year 6+
    • FDR36(SCB) + 1.250% = 1.97%
    • $ 366/mth


1.41% (First year)


$ 341 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • Facility Fee
  • Operating Company: $1,000
  • Individual Name/Investment Holding: $1,600

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 1.200% = 1.41%
    • $ 341/mth
    • Year 2
    • 1m SORA + 1.200% = 1.41%
    • $ 341/mth
    • Year 3
    • 1m SORA + 3.380% = 3.59%
    • $ 446/mth
    • Year 4
    • 1m SORA + 3.380% = 3.59%
    • $ 446/mth
    • Year 5
    • 1m SORA + 3.380% = 3.59%
    • $ 446/mth
    • Year 6+
    • 1m SORA + 3.380% = 3.59%
    • $ 446/mth


1.43% (First year)


$ 342 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.43%
    • $ 342/mth
    • Year 2
    • Fixed Rate = 1.43%
    • $ 342/mth
    • Year 3
    • 1m SORA + 1.300% = 1.51%
    • $ 345/mth
    • Year 4
    • 1m SORA + 1.300% = 1.51%
    • $ 345/mth
    • Year 5
    • 1m SORA + 1.300% = 1.51%
    • $ 345/mth
    • Year 6+
    • 1m SORA + 1.300% = 1.51%
    • $ 345/mth


1.44% (First year)


$ 342 (First year)


3 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Min $500k Loan
  • - Valuation Subsidy for Refinancing, $500

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.250% = 1.44%
    • $ 342/mth
    • Year 2
    • 3m SORA + 1.250% = 1.44%
    • $ 342/mth
    • Year 3
    • 3m SORA + 1.250% = 1.44%
    • $ 342/mth
    • Year 4
    • 3m SORA + 2.000% = 2.19%
    • $ 376/mth
    • Year 5
    • 3m SORA + 2.000% = 2.19%
    • $ 376/mth
    • Year 6+
    • 3m SORA + 2.000% = 2.19%
    • $ 376/mth


1.44% (First year)


$ 342 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Min $500k Loan
  • - Valuation Subsidy for Refinancing, $500

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.250% = 1.44%
    • $ 342/mth
    • Year 2
    • 3m SORA + 1.250% = 1.44%
    • $ 342/mth
    • Year 3
    • 3m SORA + 2.000% = 2.19%
    • $ 377/mth
    • Year 4
    • 3m SORA + 2.000% = 2.19%
    • $ 377/mth
    • Year 5
    • 3m SORA + 2.000% = 2.19%
    • $ 377/mth
    • Year 6+
    • 3m SORA + 2.000% = 2.19%
    • $ 377/mth


1.44% (First year)


$ 342 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Refinancing Only: Valuation Subsidy $500
  • For Loan Tenure >= 20years, capped 25 years

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.250% = 1.44%
    • $ 342/mth
    • Year 2
    • 3m SORA + 1.250% = 1.44%
    • $ 342/mth
    • Year 3
    • 3m SORA + 3.050% = 3.24%
    • $ 429/mth
    • Year 4
    • 3m SORA + 3.050% = 3.24%
    • $ 429/mth
    • Year 5
    • 3m SORA + 3.050% = 3.24%
    • $ 429/mth
    • Year 6+
    • 3m SORA + 3.050% = 3.24%
    • $ 429/mth


1.44% (First year)


$ 342 (First year)


No Lock-in Lock-in Period
3m SORA Rate Type

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.250% = 1.44%
    • $ 342/mth
    • Year 2
    • 3m SORA + 1.350% = 1.54%
    • $ 347/mth
    • Year 3
    • 3m SORA + 1.450% = 1.64%
    • $ 351/mth
    • Year 4
    • 3m SORA + 1.450% = 1.64%
    • $ 351/mth
    • Year 5
    • 3m SORA + 1.450% = 1.64%
    • $ 351/mth
    • Year 6+
    • 3m SORA + 1.450% = 1.64%
    • $ 351/mth


1.44% (First year)


$ 342 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing (Min Loan $500k)

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.250% = 1.44%
    • $ 342/mth
    • Year 2
    • 3m SORA + 1.350% = 1.54%
    • $ 347/mth
    • Year 3
    • 3m SORA + 1.450% = 1.64%
    • $ 351/mth
    • Year 4
    • 3m SORA + 1.450% = 1.64%
    • $ 351/mth
    • Year 5
    • 3m SORA + 1.450% = 1.64%
    • $ 351/mth
    • Year 6+
    • 3m SORA + 1.450% = 1.64%
    • $ 351/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation Subsidy: $500 for Loan >= $750k

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Board + 1.350% = 1.35%
    • $ 338/mth
    • Year 4
    • Board + 1.850% = 1.85%
    • $ 360/mth
    • Year 5
    • Board + 1.850% = 1.85%
    • $ 360/mth
    • Year 6+
    • Board + 1.850% = 1.85%
    • $ 360/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 359/mth
    • Year 4
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 359/mth
    • Year 5
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 359/mth
    • Year 6+
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 359/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Board + 3.880% = 3.88%
    • $ 462/mth
    • Year 4
    • Board + 4.880% = 4.88%
    • $ 515/mth
    • Year 5
    • Board + 4.880% = 4.88%
    • $ 515/mth
    • Year 6+
    • Board + 4.880% = 4.88%
    • $ 515/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Partial Payment Penalty Waiver up to 20% of Original Loan Amount

RATES AND PAYMENTS

    • Year 1
    • Board + 1.450% = 1.45%
    • $ 343/mth
    • Year 2
    • Board + 1.650% = 1.65%
    • $ 352/mth
    • Year 3
    • Board + 2.280% = 2.28%
    • $ 381/mth
    • Year 4
    • Board + 2.280% = 2.28%
    • $ 381/mth
    • Year 5
    • Board + 2.280% = 2.28%
    • $ 381/mth
    • Year 6+
    • Board + 2.280% = 2.28%
    • $ 381/mth


1.47% (First year)


$ 344 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Refinancing Only: Valuation Subsidy $500
  • For Loan Tenure =< 20years

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.280% = 1.47%
    • $ 344/mth
    • Year 2
    • 3m SORA + 1.280% = 1.47%
    • $ 344/mth
    • Year 3
    • 3m SORA + 3.100% = 3.29%
    • $ 431/mth
    • Year 4
    • 3m SORA + 3.100% = 3.29%
    • $ 431/mth
    • Year 5
    • 3m SORA + 3.100% = 3.29%
    • $ 431/mth
    • Year 6+
    • 3m SORA + 3.100% = 3.29%
    • $ 431/mth


1.48% (First year)


$ 344 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.48%
    • $ 344/mth
    • Year 2
    • Fixed Rate = 1.48%
    • $ 344/mth
    • Year 3
    • 1m SORA + 1.300% = 1.51%
    • $ 345/mth
    • Year 4
    • 1m SORA + 1.300% = 1.51%
    • $ 345/mth
    • Year 5
    • 1m SORA + 1.300% = 1.51%
    • $ 345/mth
    • Year 6+
    • 1m SORA + 1.300% = 1.51%
    • $ 345/mth


1.50% (First year)


$ 345 (First year)


5 years Lock-in Period
Fixed Rate Type

FEATURES

  • Waiver of Penalty Due to Sale
  • Mandatory Purchase of Mortgage Reducing Term Insurance with DBS

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 4
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 5
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 6+
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 357/mth


1.50% (First year)


$ 345 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 4
    • 1m SORA + 1.600% = 1.81%
    • $ 359/mth
    • Year 5
    • 1m SORA + 1.600% = 1.81%
    • $ 359/mth
    • Year 6+
    • 1m SORA + 1.600% = 1.81%
    • $ 359/mth


1.51% (First year)


$ 345 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • Refinancing Only
  • - Full Valuation Subsidy
  • - Free 1 Year Fire Insurance

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 1.300% = 1.51%
    • $ 345/mth
    • Year 2
    • 1m SORA + 1.300% = 1.51%
    • $ 345/mth
    • Year 3
    • 1m SORA + 1.600% = 1.81%
    • $ 359/mth
    • Year 4
    • 1m SORA + 1.600% = 1.81%
    • $ 359/mth
    • Year 5
    • 1m SORA + 1.600% = 1.81%
    • $ 359/mth
    • Year 6+
    • 1m SORA + 1.600% = 1.81%
    • $ 359/mth


1.54% (First year)


$ 347 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Refinancing Only: Valuation Subsidy $500
  • For Loan Tenure >= 20years, capped 25 years

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.350% = 1.54%
    • $ 347/mth
    • Year 2
    • 3m SORA + 1.350% = 1.54%
    • $ 347/mth
    • Year 3
    • 3m SORA + 3.150% = 3.34%
    • $ 434/mth
    • Year 4
    • 3m SORA + 3.150% = 3.34%
    • $ 434/mth
    • Year 5
    • 3m SORA + 3.150% = 3.34%
    • $ 434/mth
    • Year 6+
    • 3m SORA + 3.150% = 3.34%
    • $ 434/mth


1.54% (First year)


$ 347 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 1.350% = 1.54%
    • $ 347/mth
    • Year 2
    • 3m SORA + 1.350% = 1.54%
    • $ 347/mth
    • Year 3
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth
    • Year 4
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth
    • Year 5
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth
    • Year 6+
    • 3m SORA + 4.000% = 4.19%
    • $ 479/mth


1.55% (First year)


$ 348 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Min $500k Loan
  • - Valuation Subsidy for Refinancing, $500

RATES AND PAYMENTS

    • Year 1
    • Board + 1.550% = 1.55%
    • $ 348/mth
    • Year 2
    • Board + 1.550% = 1.55%
    • $ 348/mth
    • Year 3
    • Board + 2.300% = 2.30%
    • $ 382/mth
    • Year 4
    • Board + 2.500% = 2.50%
    • $ 392/mth
    • Year 5
    • Board + 2.500% = 2.50%
    • $ 392/mth
    • Year 6+
    • Board + 2.500% = 2.50%
    • $ 392/mth


1.55% (First year)


$ 348 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation Subsidy: Capped @ $500 + Gst
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 2
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 3
    • Board + 3.980% = 3.98%
    • $ 468/mth
    • Year 4
    • Board + 4.880% = 4.88%
    • $ 516/mth
    • Year 5
    • Board + 4.880% = 4.88%
    • $ 516/mth
    • Year 6+
    • Board + 4.880% = 4.88%
    • $ 516/mth


1.58% (First year)


$ 349 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In
  • Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 2
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 3
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 4
    • 3m SORA + 1.300% = 1.49%
    • $ 345/mth
    • Year 5
    • 3m SORA + 1.300% = 1.49%
    • $ 345/mth
    • Year 6+
    • 3m SORA + 1.300% = 1.49%
    • $ 345/mth


1.58% (First year)


$ 349 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Min $500k Loan
  • - Valuation Subsidy for Refinancing, $500