1.91% (First year)


$ 365 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.91%
    • $ 365/mth
    • Year 2
    • Fixed Rate = 1.91%
    • $ 365/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth


1.91% (First year)


$ 365 (First year)


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

FEATURES

  • Valuation subsidy: Up to $500
  • For own business use.

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.540% = 1.91%
    • $ 365/mth
    • Year 2
    • FDR36(SCB) + 1.280% = 2.65%
    • $ 402/mth
    • Year 3
    • FDR36(SCB) + 1.780% = 3.15%
    • $ 427/mth
    • Year 4
    • FDR36(SCB) + 1.780% = 3.15%
    • $ 427/mth
    • Year 5
    • FDR36(SCB) + 1.780% = 3.15%
    • $ 427/mth
    • Year 6+
    • FDR36(SCB) + 1.780% = 3.15%
    • $ 427/mth


1.93% (First year)


$ 366 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.93%
    • $ 366/mth
    • Year 2
    • Fixed Rate = 1.93%
    • $ 366/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth


1.93% (First year)


$ 366 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.93%
    • $ 366/mth
    • Year 2
    • Fixed Rate = 1.93%
    • $ 366/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth


1.97% (First year)


$ 368 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.97%
    • $ 368/mth
    • Year 2
    • Fixed Rate = 1.97%
    • $ 368/mth
    • Year 3
    • Fixed Rate = 1.97%
    • $ 368/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth


1.98% (First year)


$ 369 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.98%
    • $ 369/mth
    • Year 2
    • Fixed Rate = 1.98%
    • $ 369/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth


1.98% (First year)


$ 369 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.98%
    • $ 369/mth
    • Year 2
    • Fixed Rate = 1.98%
    • $ 369/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth


1.98% (First year)


$ 369 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.98%
    • $ 369/mth
    • Year 2
    • Fixed Rate = 1.98%
    • $ 369/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth


1.98% (First year)


$ 369 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.100% = 1.98%
    • $ 369/mth
    • Year 2
    • 1M SIBOR + 0.150% = 2.03%
    • $ 371/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth


1.98% (First year)


$ 369 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.100% = 1.98%
    • $ 369/mth
    • Year 2
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth


1.99% (First year)


$ 369 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.99%
    • $ 369/mth
    • Year 2
    • Fixed Rate = 1.99%
    • $ 369/mth
    • Year 3
    • Fixed Rate = 1.99%
    • $ 369/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth


1.99% (First year)


$ 369 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.99%
    • $ 369/mth
    • Year 2
    • Fixed Rate = 1.99%
    • $ 369/mth
    • Year 3
    • Fixed Rate = 1.99%
    • $ 369/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth


2.01% (First year)


$ 370 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.01%
    • $ 370/mth
    • Year 2
    • Fixed Rate = 2.01%
    • $ 370/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth


2.01% (First year)


$ 370 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.01%
    • $ 370/mth
    • Year 2
    • Fixed Rate = 2.01%
    • $ 370/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth


2.03% (First year)


$ 371 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.03%
    • $ 371/mth
    • Year 2
    • Fixed Rate = 2.03%
    • $ 371/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 405/mth


2.03% (First year)


$ 371 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Existing CIMB Preferred Customer ($250k AUM to qualify)

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.150% = 2.03%
    • $ 371/mth
    • Year 2
    • 1M SIBOR + 0.150% = 2.03%
    • $ 371/mth
    • Year 3
    • 1M SIBOR + 0.150% = 2.03%
    • $ 371/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth


2.03% (First year)


$ 371 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Existing CIMB Preferred Customer ($250k AUM to qualify)

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.150% = 2.03%
    • $ 371/mth
    • Year 2
    • 1M SIBOR + 0.150% = 2.03%
    • $ 371/mth
    • Year 3
    • 1M SIBOR + 0.150% = 2.03%
    • $ 371/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth


2.03% (First year)


$ 371 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Citi Private
  • Max Tenure for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.150% = 2.03%
    • $ 371/mth
    • Year 2
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 3
    • 1M SIBOR + 0.300% = 2.18%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth


2.04% (First year)


$ 372 (First year)


No Lock-in Lock-in Period
MBR2 (OCBC) Rate Type

FEATURES

  • Partial payment allowed on review date

RATES AND PAYMENTS

    • Year 1
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth
    • Year 2
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth
    • Year 3
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth
    • Year 4
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth
    • Year 5
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth
    • Year 6+
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth


2.04% (First year)


$ 372 (First year)


2 years Lock-in Period
MBR2 (OCBC) Rate Type

FEATURES

  • Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth
    • Year 2
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth
    • Year 3
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth
    • Year 4
    • MBR2 (OCBC) + 0.700% = 2.20%
    • $ 379/mth
    • Year 5
    • MBR2 (OCBC) + 0.700% = 2.20%
    • $ 379/mth
    • Year 6+
    • MBR2 (OCBC) + 0.700% = 2.20%
    • $ 379/mth


2.04% (First year)


$ 372 (First year)


2 years Lock-in Period
MBR2 (OCBC) Rate Type

FEATURES

  • Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth
    • Year 2
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth
    • Year 3
    • MBR2 (OCBC) + 0.540% = 2.04%
    • $ 372/mth
    • Year 4
    • MBR2 (OCBC) + 0.700% = 2.20%
    • $ 379/mth
    • Year 5
    • MBR2 (OCBC) + 0.700% = 2.20%
    • $ 379/mth
    • Year 6+
    • MBR2 (OCBC) + 0.700% = 2.20%
    • $ 379/mth


2.04% (First year)


$ 372 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.04%
    • $ 372/mth
    • Year 2
    • Fixed Rate = 2.04%
    • $ 372/mth
    • Year 3
    • Fixed Rate = 2.04%
    • $ 372/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth


2.04% (First year)


$ 372 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.04%
    • $ 372/mth
    • Year 2
    • Fixed Rate = 2.04%
    • $ 372/mth
    • Year 3
    • Fixed Rate = 2.04%
    • $ 372/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth


2.04% (First year)


$ 372 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.04%
    • $ 372/mth
    • Year 2
    • Fixed Rate = 2.04%
    • $ 372/mth
    • Year 3
    • Fixed Rate = 2.04%
    • $ 372/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth


2.05% (First year)


$ 372 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Tenure for HDB = 30 years

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.05%
    • $ 372/mth
    • Year 2
    • Fixed Rate = 2.05%
    • $ 372/mth
    • Year 3
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth


2.05% (First year)


$ 372 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

    • Year 1
    • Board + 2.050% = 2.05%
    • $ 372/mth
    • Year 2
    • Board + 2.150% = 2.15%
    • $ 377/mth
    • Year 3
    • Board + 2.250% = 2.25%
    • $ 382/mth
    • Year 4
    • Board + 3.380% = 3.38%
    • $ 436/mth
    • Year 5
    • Board + 3.380% = 3.38%
    • $ 436/mth
    • Year 6+
    • Board + 3.380% = 3.38%
    • $ 436/mth


2.07% (First year)


$ 373 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Valuation subsidy: Up to $500
  • For own business use.

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.180% = 2.07%
    • $ 373/mth
    • Year 2
    • 3M SIBOR + 0.540% = 2.43%
    • $ 391/mth
    • Year 3
    • 3M SIBOR + 1.380% = 3.27%
    • $ 433/mth
    • Year 4
    • 3M SIBOR + 1.380% = 3.27%
    • $ 433/mth
    • Year 5
    • 3M SIBOR + 1.380% = 3.27%
    • $ 433/mth
    • Year 6+
    • 3M SIBOR + 1.380% = 3.27%
    • $ 433/mth


2.07% (First year)


$ 373 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.07%
    • $ 373/mth
    • Year 2
    • Fixed Rate = 2.07%
    • $ 373/mth
    • Year 3
    • Fixed Rate = 2.07%
    • $ 373/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth


2.07% (First year)


$ 373 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.07%
    • $ 373/mth
    • Year 2
    • Fixed Rate = 2.07%
    • $ 373/mth
    • Year 3
    • Fixed Rate = 2.07%
    • $ 373/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
MLCR(UOB) Rate Type

FEATURES

  • - Waiver of 50% Penalty due to sale, remaining 50% to be refunded if replacement loan is accepted within 6months from redemption.
  • - Partial payment allowed up to remaining balance >$200k during lock in.
  • - 1 x Free conversion if MLCR increases

RATES AND PAYMENTS

    • Year 1
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 2
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 3
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 4
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 5
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 6+
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth


2.08% (First year)


$ 374 (First year)


1 year Lock-in Period
FHR8(DBS) Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • FHR8(DBS) + 1.130% = 2.08%
    • $ 374/mth
    • Year 2
    • FHR8(DBS) + 1.130% = 2.08%
    • $ 374/mth
    • Year 3
    • FHR8(DBS) + 1.130% = 2.08%
    • $ 374/mth
    • Year 4
    • FHR8(DBS) + 1.130% = 2.08%
    • $ 374/mth
    • Year 5
    • FHR8(DBS) + 1.130% = 2.08%
    • $ 374/mth
    • Year 6+
    • FHR8(DBS) + 1.130% = 2.08%
    • $ 374/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
MLCR(UOB) Rate Type

FEATURES

  • - Waiver of 50% Penalty due to sale, remaining 50% to be refunded if replacement loan is accepted within 6months from redemption.
  • - Partial payment allowed up to remaining balance >$80k during lock in.
  • - 1 x Free conversion if MLCR increases

RATES AND PAYMENTS

    • Year 1
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 2
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 3
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 4
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 5
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 6+
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
MLCR(UOB) Rate Type

FEATURES

  • - Partial payment up to remaining loan > $80k
  • - Waiver of 50% Penalty due to sale
  • - Lock in start from disbursement
  • - 1 x Free conversion if MLCR increases.

RATES AND PAYMENTS

    • Year 1
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 2
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 3
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 4
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 5
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth
    • Year 6+
    • MLCR(UOB) + 1.230% = 2.08%
    • $ 374/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Waiver of penalty due to sale

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.08%
    • $ 374/mth
    • Year 2
    • Fixed Rate = 2.08%
    • $ 374/mth
    • Year 3
    • FHR8(DBS) + 1.130% = 2.08%
    • $ 374/mth
    • Year 4
    • FHR8(DBS) + 1.230% = 2.18%
    • $ 378/mth
    • Year 5
    • FHR8(DBS) + 1.230% = 2.18%
    • $ 378/mth
    • Year 6+
    • FHR8(DBS) + 1.230% = 2.18%
    • $ 378/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

    • Year 1
    • Board + 2.080% = 2.08%
    • $ 374/mth
    • Year 2
    • Board + 2.180% = 2.18%
    • $ 379/mth
    • Year 3
    • Board + 2.280% = 2.28%
    • $ 383/mth
    • Year 4
    • Board + 2.880% = 2.88%
    • $ 412/mth
    • Year 5
    • Board + 2.880% = 2.88%
    • $ 412/mth
    • Year 6+
    • Board + 2.880% = 2.88%
    • $ 412/mth


2.08% (First year)


$ 374 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

    • Year 1
    • Board + 2.080% = 2.08%
    • $ 374/mth
    • Year 2
    • Board + 2.180% = 2.18%
    • $ 379/mth
    • Year 3
    • Board + 2.280% = 2.28%
    • $ 383/mth
    • Year 4
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 5
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 6+
    • Board + 3.380% = 3.38%
    • $ 437/mth


2.08% (First year)


$ 374 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • For Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 2.080% = 2.08%
    • $ 374/mth
    • Year 2
    • Board + 2.280% = 2.28%
    • $ 383/mth
    • Year 3
    • Board + 2.480% = 2.48%
    • $ 393/mth
    • Year 4
    • Board + 3.750% = 3.75%
    • $ 456/mth
    • Year 5
    • Board + 3.750% = 3.75%
    • $ 456/mth
    • Year 6+
    • Board + 3.750% = 3.75%
    • $ 456/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • For Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 2.080% = 2.08%
    • $ 374/mth
    • Year 2
    • Board + 2.280% = 2.28%
    • $ 383/mth
    • Year 3
    • Board + 3.750% = 3.75%
    • $ 458/mth
    • Year 4
    • Board + 3.750% = 3.75%
    • $ 458/mth
    • Year 5
    • Board + 3.750% = 3.75%
    • $ 458/mth
    • Year 6+
    • Board + 3.750% = 3.75%
    • $ 458/mth


2.08% (First year)


$ 374 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Board + 2.080% = 2.08%
    • $ 374/mth
    • Year 2
    • Board + 2.380% = 2.38%
    • $ 388/mth
    • Year 3
    • Board + 2.480% = 2.48%
    • $ 393/mth
    • Year 4
    • Board + 3.750% = 3.75%
    • $ 456/mth
    • Year 5
    • Board + 3.750% = 3.75%
    • $ 456/mth
    • Year 6+
    • Board + 3.750% = 3.75%
    • $ 456/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Board + 2.080% = 2.08%
    • $ 374/mth
    • Year 2
    • Board + 2.380% = 2.38%
    • $ 388/mth
    • Year 3
    • Board + 3.750% = 3.75%
    • $ 458/mth
    • Year 4
    • Board + 3.750% = 3.75%
    • $ 458/mth
    • Year 5
    • Board + 3.750% = 3.75%
    • $ 458/mth
    • Year 6+
    • Board + 3.750% = 3.75%
    • $ 458/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Must be a credit card customer (New or Existing) and fulfil 1 of the 3 criteria below
  • (1) $350k AUM
  • (2) Min Annual Income $120k
  • (3) Min Loan amount $850k

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 2
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 3
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Must be a credit card customer (New or Existing) and fulfil 1 of the 3 criteria below
  • (1) $350k AUM
  • (2) Min Annual Income $120k
  • (3) Min Loan amount $850k

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 2
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 3
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 392/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 2
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 2
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.28%
    • $ 383/mth
    • Year 4
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth


2.08% (First year)


$ 374 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • CitiGold
  • Max Tenure for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth


2.08% (First year)


$ 374 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years
  • SmartMortgage (Interest Offset)
  • 1 X Within 6months from TOP

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.200% = 2.08%
    • $ 374/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth


2.09% (First year)


$ 374 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • -

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.200% = 2.09%
    • $ 374/mth
    • Year 2
    • 3M SIBOR + 0.200% = 2.09%
    • $ 374/mth
    • Year 3
    • 3M SIBOR + 0.700% = 2.59%
    • $ 398/mth
    • Year 4
    • 3M SIBOR + 0.700% = 2.59%
    • $ 398/mth
    • Year 5
    • 3M SIBOR + 0.700% = 2.59%
    • $ 398/mth
    • Year 6+
    • 3M SIBOR + 0.700% = 2.59%
    • $ 398/mth


2.09% (First year)


$ 374 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.09%
    • $ 374/mth
    • Year 2
    • Fixed Rate = 2.09%
    • $ 374/mth
    • Year 3
    • Fixed Rate = 2.09%
    • $ 374/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.73%
    • $ 404/mth


2.10% (First year)


$ 375 (First year)


No Lock-in Lock-in Period
Board Rate Type

FEATURES

  • 1 time free conversion within 3months from TOP

RATES AND PAYMENTS

    • Year 1
    • Board + 2.100% = 2.10%
    • $ 375/mth
    • Year 2
    • Board + 2.100% = 2.10%
    • $ 375/mth
    • Year 3
    • Board + 2.100% = 2.10%
    • $ 375/mth
    • Year 4
    • Board + 2.100% = 2.10%
    • $ 375/mth
    • Year 5
    • Board + 2.100% = 2.10%
    • $ 375/mth
    • Year 6+
    • Board + 2.100% = 2.10%
    • $ 375/mth


2.10% (First year)


$ 375 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Tenure for HDB = 30 years

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.10%
    • $ 375/mth
    • Year 2
    • Fixed Rate = 2.10%
    • $ 375/mth
    • Year 3
    • Fixed Rate = 2.10%
    • $ 375/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth


2.10% (First year)


$ 375 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Tenure for HDB = 30 years

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.10%
    • $ 375/mth
    • Year 2
    • Fixed Rate = 2.10%
    • $ 375/mth
    • Year 3
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth


2.10% (First year)


$ 375 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • - Interest commence 3months from Letter of Offer
  • - Annual Fee $400
  • - Commitment Fee $2,000

RATES AND PAYMENTS

    • Year 1
    • Board + 2.100% = 2.10%
    • $ 375/mth
    • Year 2
    • Board + 2.200% = 2.20%
    • $ 380/mth
    • Year 3
    • Board + 3.100% = 3.10%
    • $ 424/mth
    • Year 4
    • Board + 4.600% = 4.60%
    • $ 502/mth
    • Year 5
    • Board + 4.600% = 4.60%
    • $ 502/mth
    • Year 6+
    • Board + 4.600% = 4.60%
    • $ 502/mth


2.11% (First year)


$ 375 (First year)


5 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Citi Private
  • Max Tenure for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.230% = 2.11%
    • $ 375/mth
    • Year 2
    • 1M SIBOR + 0.230% = 2.11%
    • $ 375/mth
    • Year 3
    • 1M SIBOR + 0.230% = 2.11%
    • $ 375/mth
    • Year 4
    • 1M SIBOR + 0.230% = 2.11%
    • $ 375/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.38%
    • $ 387/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.38%
    • $ 387/mth


2.12% (First year)


$ 376 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

    • Year 1
    • Board + 2.120% = 2.12%
    • $ 376/mth
    • Year 2
    • Board + 2.220% = 2.22%
    • $ 381/mth
    • Year 3
    • Board + 2.320% = 2.32%
    • $ 385/mth
    • Year 4
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 5
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 6+
    • Board + 3.380% = 3.38%
    • $ 437/mth


2.13% (First year)


$ 376 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Citi Private
  • Max Tenure for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 4
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth


2.13% (First year)


$ 376 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth


2.13% (First year)


$ 376 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth


2.13% (First year)


$ 376 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years
  • SmartMortgage (Interest Offset)
  • 1 X Free conversion after disbursement

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth


2.13% (First year)


$ 376 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.28%
    • $ 383/mth
    • Year 4
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth


2.13% (First year)


$ 376 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.450% = 2.33%
    • $ 386/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth


2.13% (First year)


$ 376 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Max Tenure for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.28%
    • $ 384/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth


2.13% (First year)


$ 376 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years
  • SmartMortgage (Interest Offset)
  • 1 X Within 6months from TOP

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.250% = 2.13%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.28%
    • $ 384/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth


2.14% (First year)


$ 376 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.250% = 2.14%
    • $ 376/mth
    • Year 2
    • 3M SIBOR + 0.250% = 2.14%
    • $ 376/mth
    • Year 3
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth


2.14% (First year)


$ 376 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.250% = 2.14%
    • $ 376/mth
    • Year 2
    • 3M SIBOR + 0.250% = 2.14%
    • $ 376/mth
    • Year 3
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth


2.15% (First year)


$ 377 (First year)


No Lock-in Lock-in Period
MLCR(UOB) Rate Type

FEATURES

  • 2 times free conversion
  • - from first disbursement to TOP
  • - Anytime from TOP.
  • - Waiver of Redemption Penalty Due to Sale of Property, otherwise 0.75% of undisbursed amount

RATES AND PAYMENTS

    • Year 1
    • MLCR(UOB) + 1.300% = 2.15%
    • $ 377/mth
    • Year 2
    • MLCR(UOB) + 1.300% = 2.15%
    • $ 377/mth
    • Year 3
    • MLCR(UOB) + 1.300% = 2.15%
    • $ 377/mth
    • Year 4
    • MLCR(UOB) + 1.300% = 2.15%
    • $ 377/mth
    • Year 5
    • MLCR(UOB) + 1.300% = 2.15%
    • $ 377/mth
    • Year 6+
    • MLCR(UOB) + 1.300% = 2.15%
    • $ 377/mth


2.15% (First year)


$ 377 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Tenure for HDB = 30 years

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.15%
    • $ 377/mth
    • Year 2
    • Fixed Rate = 2.15%
    • $ 377/mth
    • Year 3
    • Fixed Rate = 2.15%
    • $ 377/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth


2.15% (First year)


$ 377 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

    • Year 1
    • Board + 2.150% = 2.15%
    • $ 377/mth
    • Year 2
    • Board + 2.250% = 2.25%
    • $ 382/mth
    • Year 3
    • Board + 2.350% = 2.35%
    • $ 387/mth
    • Year 4
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 5
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 6+
    • Board + 3.380% = 3.38%
    • $ 437/mth


2.15% (First year)


$ 377 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

    • Year 1
    • Board + 2.150% = 2.15%
    • $ 377/mth
    • Year 2
    • Board + 2.250% = 2.25%
    • $ 382/mth
    • Year 3
    • Board + 2.350% = 2.35%
    • $ 387/mth
    • Year 4
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 5
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 6+
    • Board + 3.380% = 3.38%
    • $ 437/mth


2.16% (First year)


$ 378 (First year)


5 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • CitiGold
  • Max Tenure for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.280% = 2.16%
    • $ 378/mth
    • Year 2
    • 1M SIBOR + 0.280% = 2.16%
    • $ 378/mth
    • Year 3
    • 1M SIBOR + 0.280% = 2.16%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.280% = 2.16%
    • $ 378/mth
    • Year 5
    • 1M SIBOR + 0.280% = 2.16%
    • $ 378/mth
    • Year 6+
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Waiver of 50% Penalty due to sale, remaining 50% to be refunded if replacement loan is accepted within 6months from redemption.
  • - 1 x Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.18%
    • $ 379/mth
    • Year 2
    • Fixed Rate = 2.18%
    • $ 379/mth
    • Year 3
    • MLCR(UOB) + 1.330% = 2.18%
    • $ 379/mth
    • Year 4
    • MLCR(UOB) + 1.330% = 2.18%
    • $ 379/mth
    • Year 5
    • MLCR(UOB) + 1.330% = 2.18%
    • $ 379/mth
    • Year 6+
    • MLCR(UOB) + 1.330% = 2.18%
    • $ 379/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Waiver of 50% Penalty due to sale, remaining 50% to be refunded if replacement loan is accepted within 6months from redemption.
  • - 1 x Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.18%
    • $ 379/mth
    • Year 2
    • Fixed Rate = 2.18%
    • $ 379/mth
    • Year 3
    • MLCR(UOB) + 1.330% = 2.18%
    • $ 379/mth
    • Year 4
    • MLCR(UOB) + 1.330% = 2.18%
    • $ 379/mth
    • Year 5
    • MLCR(UOB) + 1.330% = 2.18%
    • $ 379/mth
    • Year 6+
    • MLCR(UOB) + 1.330% = 2.18%
    • $ 379/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.18%
    • $ 379/mth
    • Year 2
    • Fixed Rate = 2.18%
    • $ 379/mth
    • Year 3
    • Board + 2.680% = 2.68%
    • $ 403/mth
    • Year 4
    • Board + 2.880% = 2.88%
    • $ 413/mth
    • Year 5
    • Board + 2.880% = 2.88%
    • $ 413/mth
    • Year 6+
    • Board + 2.880% = 2.88%
    • $ 413/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

    • Year 1
    • Board + 2.180% = 2.18%
    • $ 379/mth
    • Year 2
    • Board + 2.280% = 2.28%
    • $ 384/mth
    • Year 3
    • Board + 2.380% = 2.38%
    • $ 388/mth
    • Year 4
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 5
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 6+
    • Board + 3.380% = 3.38%
    • $ 437/mth


2.18% (First year)


$ 379 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 2.180% = 2.18%
    • $ 379/mth
    • Year 2
    • Board + 2.380% = 2.38%
    • $ 389/mth
    • Year 3
    • Board + 2.680% = 2.68%
    • $ 403/mth
    • Year 4
    • Board + 3.750% = 3.75%
    • $ 457/mth
    • Year 5
    • Board + 3.750% = 3.75%
    • $ 457/mth
    • Year 6+
    • Board + 3.750% = 3.75%
    • $ 457/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Owners Occupation

RATES AND PAYMENTS

    • Year 1
    • Board + 2.180% = 2.18%
    • $ 379/mth
    • Year 2
    • Board + 2.480% = 2.48%
    • $ 394/mth
    • Year 3
    • Board + 3.750% = 3.75%
    • $ 458/mth
    • Year 4
    • Board + 3.750% = 3.75%
    • $ 458/mth
    • Year 5
    • Board + 3.750% = 3.75%
    • $ 458/mth
    • Year 6+
    • Board + 3.750% = 3.75%
    • $ 458/mth


2.18% (First year)


$ 379 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Max Tenure for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 4
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 5
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.550% = 2.43%
    • $ 390/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth


2.18% (First year)


$ 379 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.28%
    • $ 384/mth
    • Year 4
    • 1M SIBOR + 0.550% = 2.43%
    • $ 391/mth
    • Year 5
    • 1M SIBOR + 0.550% = 2.43%
    • $ 391/mth
    • Year 6+
    • 1M SIBOR + 0.550% = 2.43%
    • $ 391/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.28%
    • $ 384/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth


2.18% (First year)


$ 379 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years
  • SmartMortgage (Interest Offset)
  • 1 X Free conversion after disbursement

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.28%
    • $ 384/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth


2.18% (First year)


$ 379 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years
  • SmartMortgage (Interest Offset)
  • 1 X Within 6months from TOP

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.300% = 2.18%
    • $ 379/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.28%
    • $ 384/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth


2.19% (First year)


$ 379 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 2
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 3
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth


2.19% (First year)


$ 379 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 2
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 3
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth


2.19% (First year)


$ 379 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Partial payment allowed on review date

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 2
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 3
    • 3M SIBOR + 0.350% = 2.24%
    • $ 381/mth
    • Year 4
    • 3M SIBOR + 0.400% = 2.29%
    • $ 384/mth
    • Year 5
    • 3M SIBOR + 0.500% = 2.39%
    • $ 388/mth
    • Year 6+
    • 3M SIBOR + 0.500% = 2.39%
    • $ 388/mth


2.19% (First year)


$ 379 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Partial payment allowed on review date
  • Partial payment <50% of original loan amount, penalty will be waived

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 2
    • 3M SIBOR + 0.400% = 2.29%
    • $ 384/mth
    • Year 3
    • 3M SIBOR + 0.500% = 2.39%
    • $ 389/mth
    • Year 4
    • 3M SIBOR + 0.600% = 2.49%
    • $ 393/mth
    • Year 5
    • 3M SIBOR + 0.600% = 2.49%
    • $ 393/mth
    • Year 6+
    • 3M SIBOR + 0.600% = 2.49%
    • $ 393/mth


2.19% (First year)


$ 379 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Partial payment allowed on review date

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 2
    • 3M SIBOR + 0.400% = 2.29%
    • $ 384/mth
    • Year 3
    • 3M SIBOR + 0.500% = 2.39%
    • $ 389/mth
    • Year 4
    • 3M SIBOR + 0.600% = 2.49%
    • $ 393/mth
    • Year 5
    • 3M SIBOR + 0.600% = 2.49%
    • $ 393/mth
    • Year 6+
    • 3M SIBOR + 0.600% = 2.49%
    • $ 393/mth


2.19% (First year)


$ 379 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Partial payment allowed on review date
  • Partial payment <50% of original loan amount, penalty will be waived

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.300% = 2.19%
    • $ 379/mth
    • Year 2
    • 3M SIBOR + 0.400% = 2.29%
    • $ 384/mth
    • Year 3
    • 3M SIBOR + 0.500% = 2.39%
    • $ 389/mth
    • Year 4
    • 3M SIBOR + 0.600% = 2.49%
    • $ 393/mth
    • Year 5
    • 3M SIBOR + 0.600% = 2.49%
    • $ 393/mth
    • Year 6+
    • 3M SIBOR + 0.600% = 2.49%
    • $ 393/mth


2.20% (First year)


$ 380 (First year)


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

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth
    • Year 2
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth
    • Year 3
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth
    • Year 4
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth
    • Year 5
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth
    • Year 6+
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth


2.20% (First year)


$ 380 (First year)


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

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth
    • Year 2
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth
    • Year 3
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth
    • Year 4
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth
    • Year 5
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth
    • Year 6+
    • FDR36(SCB) + 0.830% = 2.20%
    • $ 380/mth


2.20% (First year)


$ 380 (First year)


5 years Lock-in Period
Fixed Rate Type

FEATURES

  • Waiver of penalty due to sale

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.20%
    • $ 380/mth
    • Year 2
    • Fixed Rate = 2.20%
    • $ 380/mth
    • Year 3
    • Fixed Rate = 2.20%
    • $ 380/mth
    • Year 4
    • Fixed Rate = 2.20%
    • $ 380/mth
    • Year 5
    • Fixed Rate = 2.20%
    • $ 380/mth
    • Year 6+
    • FHR8(DBS) + 1.250% = 2.20%
    • $ 380/mth


2.20% (First year)


$ 380 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • - Interest commence 3months from Letter of Offer
  • - Annual Fee $400
  • - Commitment Fee $2,000
  • - LTV capped 70%

RATES AND PAYMENTS

    • Year 1
    • Board + 2.200% = 2.20%
    • $ 380/mth
    • Year 2
    • Board + 2.300% = 2.30%
    • $ 385/mth
    • Year 3
    • Board + 3.200% = 3.20%
    • $ 429/mth
    • Year 4
    • Board + 4.700% = 4.70%
    • $ 508/mth
    • Year 5
    • Board + 4.700% = 4.70%
    • $ 508/mth
    • Year 6+
    • Board + 4.700% = 4.70%
    • $ 508/mth


2.22% (First year)


$ 381 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

    • Year 1
    • Board + 2.220% = 2.22%
    • $ 381/mth
    • Year 2
    • Board + 2.320% = 2.32%
    • $ 386/mth
    • Year 3
    • Board + 2.420% = 2.42%
    • $ 391/mth
    • Year 4
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 5
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 6+
    • Board + 3.380% = 3.38%
    • $ 437/mth


2.23% (First year)


$ 381 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Partial payment allowed on review date

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.400% = 2.28%
    • $ 384/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth


2.23% (First year)


$ 381 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth


2.23% (First year)


$ 381 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.38%
    • $ 388/mth


2.23% (First year)


$ 381 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 3
    • 1M SIBOR + 0.450% = 2.33%
    • $ 386/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth


2.23% (First year)


$ 381 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years
  • SmartMortgage (Interest Offset)
  • 1 X Within 6months from TOP

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 2
    • 1M SIBOR + 0.400% = 2.28%
    • $ 384/mth
    • Year 3
    • 1M SIBOR + 0.450% = 2.33%
    • $ 386/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.63%
    • $ 400/mth


2.23% (First year)


$ 381 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Partial payment allowed on review date

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 2
    • 1M SIBOR + 0.400% = 2.28%
    • $ 384/mth
    • Year 3
    • 1M SIBOR + 0.500% = 2.38%
    • $ 389/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth


2.23% (First year)


$ 381 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Partial payment allowed on review date
  • Partial payment <50% of original loan amount, penalty will be waived

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 2
    • 1M SIBOR + 0.450% = 2.33%
    • $ 386/mth
    • Year 3
    • 1M SIBOR + 0.500% = 2.38%
    • $ 389/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth


2.23% (First year)


$ 381 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Partial payment allowed on review date
  • Partial payment <50% of original loan amount, penalty will be waived

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.350% = 2.23%
    • $ 381/mth
    • Year 2
    • 1M SIBOR + 0.450% = 2.33%
    • $ 386/mth
    • Year 3
    • 1M SIBOR + 0.500% = 2.38%
    • $ 389/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.48%
    • $ 393/mth


2.24% (First year)


$ 382 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.350% = 2.24%
    • $ 382/mth
    • Year 2
    • 3M SIBOR + 0.350% = 2.24%
    • $ 382/mth
    • Year 3
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth


2.24% (First year)


$ 382 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.350% = 2.24%
    • $ 382/mth
    • Year 2
    • 3M SIBOR + 0.350% = 2.24%
    • $ 382/mth
    • Year 3
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.34%
    • $ 386/mth


2.25% (First year)


$ 382 (First year)


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

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 2
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 3
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 4
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 5
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 6+
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth


2.25% (First year)


$ 382 (First year)


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

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 2
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 3
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 4
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 5
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 6+
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth


2.25% (First year)


$ 382 (First year)


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

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 2
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 3
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 4
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 5
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 6+
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth


2.25% (First year)


$ 382 (First year)


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

FEATURES

  • HDB Loan = 30 Years Max Tenure

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 2
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 3
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 4
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 5
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth
    • Year 6+
    • FDR36(SCB) + 0.880% = 2.25%
    • $ 382/mth


2.25% (First year)


$ 382 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Equity loan only

RATES AND PAYMENTS

    • Year 1
    • Board + 2.250% = 2.25%
    • $ 382/mth
    • Year 2
    • Board + 2.250% = 2.25%
    • $ 382/mth
    • Year 3
    • Board + 2.580% = 2.58%
    • $ 398/mth
    • Year 4
    • Board + 3.480% = 3.48%
    • $ 442/mth
    • Year 5
    • Board + 4.000% = 4.00%
    • $ 468/mth
    • Year 6+
    • Board + 4.000% = 4.00%
    • $ 468/mth