0.93% (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% = 0.93%
    • $ 319/mth
    • Year 2
    • 3m SORA + 0.750% = 0.93%
    • $ 319/mth
    • Year 3
    • 3m SORA + 1.200% = 1.38%
    • $ 338/mth
    • Year 4
    • 3m SORA + 1.200% = 1.38%
    • $ 338/mth
    • Year 5
    • 3m SORA + 1.200% = 1.38%
    • $ 338/mth
    • Year 6+
    • 3m SORA + 1.200% = 1.38%
    • $ 338/mth


0.98% (First year)


$ 321 (First year)


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

FEATURES

  • 1 x Free Conversion During Progressive Payment
  • 1 x Free Conversion Wtihin 6mth from TOP

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.800% = 0.98%
    • $ 321/mth
    • Year 2
    • 3m SORA + 0.980% = 1.16%
    • $ 329/mth
    • Year 3
    • 3m SORA + 1.180% = 1.36%
    • $ 338/mth
    • Year 4
    • 3m SORA + 1.180% = 1.36%
    • $ 338/mth
    • Year 5
    • 3m SORA + 1.180% = 1.36%
    • $ 338/mth
    • Year 6+
    • 3m SORA + 1.180% = 1.36%
    • $ 338/mth


0.98% (First year)


$ 321 (First year)


2 years Lock-in Period
3m SORA Rate Type

FEATURES

  • Free Conversion after 12month

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.800% = 0.98%
    • $ 321/mth
    • Year 2
    • 3m SORA + 0.980% = 1.16%
    • $ 329/mth
    • Year 3
    • 3m SORA + 1.600% = 1.78%
    • $ 357/mth
    • Year 4
    • 3m SORA + 1.600% = 1.78%
    • $ 357/mth
    • Year 5
    • 3m SORA + 1.600% = 1.78%
    • $ 357/mth
    • Year 6+
    • 3m SORA + 1.600% = 1.78%
    • $ 357/mth


1.00% (First year)


$ 322 (First year)


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

FEATURES

  • Interest Capped 2.30% for 5 years
  • Waiver of Penalty Due to Sale
  • Partial Payment allowed during Lock In Period

RATES AND PAYMENTS

    • Year 1
    • FHR6 (DBS) + 0.800% = 1.00%
    • $ 322/mth
    • Year 2
    • FHR6 (DBS) + 1.000% = 1.20%
    • $ 331/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) + 1.400% = 1.60%
    • $ 347/mth


1.03% (First year)


$ 323 (First year)


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

FEATURES

  • 1 X Free Conversion after 1st disbursement
  • Min Loan for SCB Priority Client: $1.2m

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.850% = 1.03%
    • $ 323/mth
    • Year 2
    • 3m SORA + 0.850% = 1.03%
    • $ 323/mth
    • Year 3
    • 3m SORA + 0.850% = 1.03%
    • $ 323/mth
    • Year 4
    • 3m SORA + 0.850% = 1.03%
    • $ 323/mth
    • Year 5
    • 3m SORA + 0.850% = 1.03%
    • $ 323/mth
    • Year 6+
    • 3m SORA + 0.850% = 1.03%
    • $ 323/mth


1.03% (First year)


$ 323 (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% = 1.03%
    • $ 323/mth
    • Year 2
    • 3m SORA + 0.850% = 1.03%
    • $ 323/mth
    • Year 3
    • 3m SORA + 1.200% = 1.38%
    • $ 339/mth
    • Year 4
    • 3m SORA + 1.200% = 1.38%
    • $ 339/mth
    • Year 5
    • 3m SORA + 1.200% = 1.38%
    • $ 339/mth
    • Year 6+
    • 3m SORA + 1.200% = 1.38%
    • $ 339/mth


1.04% (First year)


$ 323 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Free Conversion after Lock In or Waiver of Penalty due to sale
  • Valuation Subsidy for Refinancing
  • Min Loan for SCB Priority Client: $1.5m

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.600% = 1.04%
    • $ 323/mth
    • Year 2
    • 3M SIBOR + 0.600% = 1.04%
    • $ 323/mth
    • Year 3
    • 3M SIBOR + 0.600% = 1.04%
    • $ 323/mth
    • Year 4
    • 3M SIBOR + 0.900% = 1.34%
    • $ 336/mth
    • Year 5
    • 3M SIBOR + 0.900% = 1.34%
    • $ 336/mth
    • Year 6+
    • 3M SIBOR + 0.900% = 1.34%
    • $ 336/mth


1.04% (First year)


$ 323 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Free Conversion after Lock In or Waiver of Penalty due to sale
  • Valuation Subsidy for Refinancing
  • Min Loan for SCB Priority Client: $1.2m

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.600% = 1.04%
    • $ 323/mth
    • Year 2
    • 3M SIBOR + 0.600% = 1.04%
    • $ 323/mth
    • Year 3
    • 3M SIBOR + 0.900% = 1.34%
    • $ 336/mth
    • Year 4
    • 3M SIBOR + 0.900% = 1.34%
    • $ 336/mth
    • Year 5
    • 3M SIBOR + 0.900% = 1.34%
    • $ 336/mth
    • Year 6+
    • 3M SIBOR + 0.900% = 1.34%
    • $ 336/mth


1.06% (First year)


$ 325 (First year)


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

FEATURES

  • 1 X Free Conversion after 1st disbursement
  • Min Loan for SCB Priority Client: $800k

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.880% = 1.06%
    • $ 325/mth
    • Year 2
    • 3m SORA + 0.880% = 1.06%
    • $ 325/mth
    • Year 3
    • 3m SORA + 0.880% = 1.06%
    • $ 325/mth
    • Year 4
    • 3m SORA + 0.880% = 1.06%
    • $ 325/mth
    • Year 5
    • 3m SORA + 0.880% = 1.06%
    • $ 325/mth
    • Year 6+
    • 3m SORA + 0.880% = 1.06%
    • $ 325/mth


1.08% (First year)


$ 325 (First year)


3 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Partial Payment Penalty waiver for 20% of Original Loan amount paid during lock in

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.800% = 1.08%
    • $ 325/mth
    • Year 2
    • 1M SIBOR + 0.800% = 1.08%
    • $ 325/mth
    • Year 3
    • 1M SIBOR + 0.850% = 1.13%
    • $ 328/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth


1.08% (First year)


$ 325 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Partial Payment Penalty waiver for 20% of Original Loan amount paid during lock in

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.800% = 1.08%
    • $ 325/mth
    • Year 2
    • 1M SIBOR + 0.800% = 1.08%
    • $ 325/mth
    • Year 3
    • 1M SIBOR + 0.950% = 1.23%
    • $ 332/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth


1.08% (First year)


$ 325 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • - 1 x Free Conversion Anytime
  • - SmartMortgage interest offset feature (Not applicable for Equity Loan)
  • - Partial Payment up to 30% of Original Loan amount during lock in
  • - 100% Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.800% = 1.08%
    • $ 325/mth
    • Year 2
    • 1M SIBOR + 0.800% = 1.08%
    • $ 325/mth
    • Year 3
    • 1M SIBOR + 1.000% = 1.28%
    • $ 334/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth


1.08% (First year)


$ 325 (First year)


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

FEATURES

  • - One time free conversion within 6 mths from TOP
  • - SmartMortgage Interest Offset Feature

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.800% = 1.08%
    • $ 325/mth
    • Year 2
    • 1M SIBOR + 0.800% = 1.08%
    • $ 325/mth
    • Year 3
    • 1M SIBOR + 1.000% = 1.28%
    • $ 334/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth


1.09% (First year)


$ 326 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Free Conversion after Lock In or Waiver of Penalty due to sale
  • Valuation Subsidy for Refinancing
  • MortgageOne Interest Offset Feature
  • Min Loan for SCB Priority Client: $1.5m

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.650% = 1.09%
    • $ 326/mth
    • Year 2
    • 3M SIBOR + 0.650% = 1.09%
    • $ 326/mth
    • Year 3
    • 3M SIBOR + 0.650% = 1.09%
    • $ 326/mth
    • Year 4
    • 3M SIBOR + 1.050% = 1.49%
    • $ 343/mth
    • Year 5
    • 3M SIBOR + 1.050% = 1.49%
    • $ 343/mth
    • Year 6+
    • 3M SIBOR + 1.050% = 1.49%
    • $ 343/mth


1.09% (First year)


$ 326 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Free Conversion after Lock In or **Waiver of Penalty due to sale
  • Valuation Subsidy for Refinancing
  • Min Loan for SCB Priority Client: $800k
  • **Waiver of Penalty Due to Sale only application if loan >= $1m

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.650% = 1.09%
    • $ 326/mth
    • Year 2
    • 3M SIBOR + 0.650% = 1.09%
    • $ 326/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth


1.09% (First year)


$ 326 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Free Conversion after Lock In or Waiver of Penalty due to sale
  • Valuation Subsidy for Refinancing
  • MortgageOne Interest Offset Feature
  • Min Loan for SCB Priority Client: $1.2m

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.650% = 1.09%
    • $ 326/mth
    • Year 2
    • 3M SIBOR + 0.650% = 1.09%
    • $ 326/mth
    • Year 3
    • 3M SIBOR + 1.050% = 1.49%
    • $ 343/mth
    • Year 4
    • 3M SIBOR + 1.050% = 1.49%
    • $ 343/mth
    • Year 5
    • 3M SIBOR + 1.050% = 1.49%
    • $ 343/mth
    • Year 6+
    • 3M SIBOR + 1.050% = 1.49%
    • $ 343/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


1.12% (First year)


$ 327 (First year)


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

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.680% = 1.12%
    • $ 327/mth
    • Year 2
    • 3M SIBOR + 0.680% = 1.12%
    • $ 327/mth
    • Year 3
    • 3M SIBOR + 0.680% = 1.12%
    • $ 327/mth
    • Year 4
    • 3M SIBOR + 0.680% = 1.12%
    • $ 327/mth
    • Year 5
    • 3M SIBOR + 0.680% = 1.12%
    • $ 327/mth
    • Year 6+
    • 3M SIBOR + 0.680% = 1.12%
    • $ 327/mth


1.12% (First year)


$ 327 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy: $500
  • 50% reimbursement of full redemption penalty if due to sale (only if new loan is taken with CIMB within 6month from redemption with loan >= redeemed loan

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.12%
    • $ 327/mth
    • Year 2
    • Fixed Rate = 1.12%
    • $ 327/mth
    • Year 3
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 354/mth
    • Year 5
    • Board + 1.750% = 1.75%
    • $ 354/mth
    • Year 6+
    • Board + 1.750% = 1.75%
    • $ 354/mth


1.13% (First year)


$ 328 (First year)


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

FEATURES

  • 1 X Free Conversion after 1st disbursement
  • Min Loan for SCB Priority Client: $300k

RATES AND PAYMENTS

    • Year 1
    • 3m SORA + 0.950% = 1.13%
    • $ 328/mth
    • Year 2
    • 3m SORA + 0.950% = 1.13%
    • $ 328/mth
    • Year 3
    • 3m SORA + 0.950% = 1.13%
    • $ 328/mth
    • Year 4
    • 3m SORA + 0.950% = 1.13%
    • $ 328/mth
    • Year 5
    • 3m SORA + 0.950% = 1.13%
    • $ 328/mth
    • Year 6+
    • 3m SORA + 0.950% = 1.13%
    • $ 328/mth


1.13% (First year)


$ 328 (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 + 0.950% = 1.13%
    • $ 328/mth
    • Year 2
    • 3m SORA + 0.950% = 1.13%
    • $ 328/mth
    • Year 3
    • 3m SORA + 1.200% = 1.38%
    • $ 339/mth
    • Year 4
    • 3m SORA + 1.200% = 1.38%
    • $ 339/mth
    • Year 5
    • 3m SORA + 1.200% = 1.38%
    • $ 339/mth
    • Year 6+
    • 3m SORA + 1.200% = 1.38%
    • $ 339/mth


1.14% (First year)


$ 328 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing
  • Min Loan for SCB Priority Client: $600k

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.700% = 1.14%
    • $ 328/mth
    • Year 2
    • 3M SIBOR + 0.700% = 1.14%
    • $ 328/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth


1.14% (First year)


$ 328 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Free Conversion after Lock In or **Waiver of Penalty due to sale
  • Valuation Subsidy for Refinancing
  • MortgageOne Interest Offset Feature
  • Min Loan for SCB Priority Client: $800k
  • **Waiver of Penalty Due to Sale only application if loan >= $1m

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.700% = 1.14%
    • $ 328/mth
    • Year 2
    • 3M SIBOR + 0.700% = 1.14%
    • $ 328/mth
    • Year 3
    • 3M SIBOR + 1.050% = 1.49%
    • $ 343/mth
    • Year 4
    • 3M SIBOR + 1.050% = 1.49%
    • $ 343/mth
    • Year 5
    • 3M SIBOR + 1.050% = 1.49%
    • $ 343/mth
    • Year 6+
    • 3M SIBOR + 1.050% = 1.49%
    • $ 343/mth


1.15% (First year)


$ 329 (First year)


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

FEATURES

  • 2 x Free Conversion (1 upon disbursement, 1 within 6month from T.O.P)

RATES AND PAYMENTS

    • Year 1
    • FHR6 (DBS) + 0.950% = 1.15%
    • $ 329/mth
    • Year 2
    • FHR6 (DBS) + 0.950% = 1.15%
    • $ 329/mth
    • Year 3
    • FHR6 (DBS) + 0.950% = 1.15%
    • $ 329/mth
    • Year 4
    • FHR6 (DBS) + 0.950% = 1.15%
    • $ 329/mth
    • Year 5
    • FHR6 (DBS) + 0.950% = 1.15%
    • $ 329/mth
    • Year 6+
    • FHR6 (DBS) + 0.950% = 1.15%
    • $ 329/mth


1.15% (First year)


$ 329 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Partial Payment Penalty waiver for 20% of Original Loan amount paid during lock in

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)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing
  • Min Loan for SCB Priority Client: $1m

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.15%
    • $ 329/mth
    • Year 2
    • Fixed Rate = 1.15%
    • $ 329/mth
    • Year 3
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth


1.17% (First year)


$ 329 (First year)


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

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.730% = 1.17%
    • $ 329/mth
    • Year 2
    • 3M SIBOR + 0.730% = 1.17%
    • $ 329/mth
    • Year 3
    • 3M SIBOR + 0.730% = 1.17%
    • $ 329/mth
    • Year 4
    • 3M SIBOR + 0.730% = 1.17%
    • $ 329/mth
    • Year 5
    • 3M SIBOR + 0.730% = 1.17%
    • $ 329/mth
    • Year 6+
    • 3M SIBOR + 0.730% = 1.17%
    • $ 329/mth


1.18% (First year)


$ 330 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing
  • Min Loan for SCB Priority Client: $800k

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 2
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 3
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 353/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 353/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 353/mth


1.18% (First year)


$ 330 (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 + 1.180% = 1.18%
    • $ 330/mth
    • Year 2
    • Board + 1.180% = 1.18%
    • $ 330/mth
    • Year 3
    • Board + 1.180% = 1.18%
    • $ 330/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


1.18% (First year)


$ 330 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 2
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth


1.18% (First year)


$ 330 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing
  • Min Loan for SCB Priority Client: $600k

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 2
    • Fixed Rate = 1.18%
    • $ 330/mth
    • Year 3
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth


1.19% (First year)


$ 330 (First year)


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

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 2
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 3
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 4
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 5
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 6+
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth


1.19% (First year)


$ 330 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 2
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth


1.19% (First year)


$ 330 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing
  • MortgageOne Interest Offset Feature
  • Min Loan for SCB Priority Client: $600k

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 2
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 3
    • 3M SIBOR + 1.050% = 1.49%
    • $ 344/mth
    • Year 4
    • 3M SIBOR + 1.050% = 1.49%
    • $ 344/mth
    • Year 5
    • 3M SIBOR + 1.050% = 1.49%
    • $ 344/mth
    • Year 6+
    • 3M SIBOR + 1.050% = 1.49%
    • $ 344/mth


1.20% (First year)


$ 331 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 2
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 3
    • Board + 1.450% = 1.45%
    • $ 342/mth
    • Year 4
    • Board + 2.150% = 2.15%
    • $ 373/mth
    • Year 5
    • Board + 2.150% = 2.15%
    • $ 373/mth
    • Year 6+
    • Board + 2.150% = 2.15%
    • $ 373/mth


1.20% (First year)


$ 331 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.20%
    • $ 331/mth
    • Year 2
    • Fixed Rate = 1.20%
    • $ 331/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 5
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 6+
    • Board + 1.750% = 1.75%
    • $ 356/mth


1.21% (First year)


$ 331 (First year)


No Lock-in Lock-in Period
1m SORA 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
    • 1m SORA + 0.980% = 1.21%
    • $ 331/mth
    • Year 2
    • 1m SORA + 0.980% = 1.21%
    • $ 331/mth
    • Year 3
    • 1m SORA + 0.980% = 1.21%
    • $ 331/mth
    • Year 4
    • 1m SORA + 1.400% = 1.63%
    • $ 350/mth
    • Year 5
    • 1m SORA + 1.400% = 1.63%
    • $ 350/mth
    • Year 6+
    • 1m SORA + 1.400% = 1.63%
    • $ 350/mth


1.22% (First year)


$ 332 (First year)


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

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.780% = 1.22%
    • $ 332/mth
    • Year 2
    • 3M SIBOR + 0.780% = 1.22%
    • $ 332/mth
    • Year 3
    • 3M SIBOR + 1.500% = 1.94%
    • $ 364/mth
    • Year 4
    • 3M SIBOR + 1.500% = 1.94%
    • $ 364/mth
    • Year 5
    • 3M SIBOR + 1.500% = 1.94%
    • $ 364/mth
    • Year 6+
    • 3M SIBOR + 1.500% = 1.94%
    • $ 364/mth


1.22% (First year)


$ 332 (First year)


1 year Lock-in Period
3M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.780% = 1.22%
    • $ 332/mth
    • Year 2
    • 3M SIBOR + 0.780% = 1.22%
    • $ 332/mth
    • Year 3
    • 3M SIBOR + 1.500% = 1.94%
    • $ 364/mth
    • Year 4
    • 3M SIBOR + 1.500% = 1.94%
    • $ 364/mth
    • Year 5
    • 3M SIBOR + 1.500% = 1.94%
    • $ 364/mth
    • Year 6+
    • 3M SIBOR + 1.500% = 1.94%
    • $ 364/mth


1.23% (First year)


$ 332 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.23%
    • $ 332/mth
    • Year 2
    • Fixed Rate = 1.23%
    • $ 332/mth
    • Year 3
    • Board + 1.450% = 1.45%
    • $ 342/mth
    • Year 4
    • Board + 2.150% = 2.15%
    • $ 373/mth
    • Year 5
    • Board + 2.150% = 2.15%
    • $ 373/mth
    • Year 6+
    • Board + 2.150% = 2.15%
    • $ 373/mth


1.24% (First year)


$ 333 (First year)


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

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 2
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 3
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 4
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 5
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 6+
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth


1.24% (First year)


$ 333 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing (Min Loan $500k)
  • Min Loan for SCB Priority Client: $300k

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 2
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth


1.24% (First year)


$ 333 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 2
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth


1.24% (First year)


$ 333 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 2
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 3
    • 3M SIBOR + 2.800% = 3.24%
    • $ 428/mth
    • Year 4
    • 3M SIBOR + 2.800% = 3.24%
    • $ 428/mth
    • Year 5
    • 3M SIBOR + 2.800% = 3.24%
    • $ 428/mth
    • Year 6+
    • 3M SIBOR + 2.800% = 3.24%
    • $ 428/mth


1.25% (First year)


$ 333 (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 = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth


1.25% (First year)


$ 333 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 345/mth


1.25% (First year)


$ 333 (First year)


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

FEATURES

  • 2 x Free Conversion (1 upon disbursement, 1 within 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) + 1.400% = 1.60%
    • $ 348/mth
    • Year 5
    • FHR6 (DBS) + 1.400% = 1.60%
    • $ 348/mth
    • Year 6+
    • FHR6 (DBS) + 1.400% = 1.60%
    • $ 348/mth


1.25% (First year)


$ 333 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing
  • Min Loan for SCB Priority Client: $600k

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth


1.25% (First year)


$ 333 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 355/mth
    • Year 5
    • Board + 1.750% = 1.75%
    • $ 355/mth
    • Year 6+
    • Board + 1.750% = 1.75%
    • $ 355/mth


1.25% (First year)


$ 333 (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 = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/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 (Min Loan $500k)
  • Min Loan for SCB Priority Client: $300k

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 3
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth


1.25% (First year)


$ 333 (First year)


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

FEATURES

  • Interest Capped 1.50% for 2 years
  • Free Conversion after lock in
  • Waiver of Penalty Due to Sale

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) + 1.600% = 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


1.25% (First year)


$ 333 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.25%
    • $ 333/mth
    • Year 2
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 3
    • Fixed Rate = 1.55%
    • $ 347/mth
    • Year 4
    • Board + 2.150% = 2.15%
    • $ 374/mth
    • Year 5
    • Board + 2.150% = 2.15%
    • $ 374/mth
    • Year 6+
    • Board + 2.150% = 2.15%
    • $ 374/mth


1.25% (First year)


$ 333 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Facility Fee: $1,600
  • Owners Occupied

RATES AND PAYMENTS

    • Year 1
    • Board + 1.250% = 1.25%
    • $ 333/mth
    • Year 2
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 3
    • Board + 1.900% = 1.90%
    • $ 363/mth
    • Year 4
    • Board + 6.000% = 6.00%
    • $ 574/mth
    • Year 5
    • Board + 6.000% = 6.00%
    • $ 574/mth
    • Year 6+
    • Board + 6.000% = 6.00%
    • $ 574/mth


1.28% (First year)


$ 335 (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 = 1.28%
    • $ 335/mth
    • Year 2
    • Fixed Rate = 1.28%
    • $ 335/mth
    • Year 3
    • Fixed Rate = 1.28%
    • $ 335/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth


1.28% (First year)


$ 335 (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 = 1.28%
    • $ 335/mth
    • Year 2
    • Fixed Rate = 1.28%
    • $ 335/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth


1.28% (First year)


$ 335 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • - 1 x Free Conversion Anytime
  • - SmartMortgage interest offset feature (Not applicable for Equity Loan)
  • - Partial Payment up to 30% of Original Loan amount during lock in
  • - 50% Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.000% = 1.28%
    • $ 335/mth
    • Year 2
    • 1M SIBOR + 1.000% = 1.28%
    • $ 335/mth
    • Year 3
    • 1M SIBOR + 1.000% = 1.28%
    • $ 335/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth


1.28% (First year)


$ 335 (First year)


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

FEATURES

  • - One time free conversion within 6 mths from TOP
  • - SmartMortgage Interest Offset Feature

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.000% = 1.28%
    • $ 335/mth
    • Year 2
    • 1M SIBOR + 1.000% = 1.28%
    • $ 335/mth
    • Year 3
    • 1M SIBOR + 1.000% = 1.28%
    • $ 335/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth


1.29% (First year)


$ 335 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing (Min Loan $500k)
  • MortgageOne Interest Offset Feature
  • Min Loan for SCB Priority Client: $300k

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 2
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 3
    • 3M SIBOR + 1.050% = 1.49%
    • $ 344/mth
    • Year 4
    • 3M SIBOR + 1.050% = 1.49%
    • $ 344/mth
    • Year 5
    • 3M SIBOR + 1.050% = 1.49%
    • $ 344/mth
    • Year 6+
    • 3M SIBOR + 1.050% = 1.49%
    • $ 344/mth


1.30% (First year)


$ 336 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after Lock In
  • Valuation Subsidy for Refinancing (Min Loan $500k)
  • Min Loan for SCB Priority Client: $300k

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 354/mth


1.30% (First year)


$ 336 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 4
    • Board + 1.980% = 1.98%
    • $ 365/mth
    • Year 5
    • Board + 1.980% = 1.98%
    • $ 365/mth
    • Year 6+
    • Board + 1.980% = 1.98%
    • $ 365/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth


1.30% (First year)


$ 336 (First year)


1 year Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion anytime if MBR Increase
  • Waiver of partial payment penalty up to 50% of original loan amount during lock in

RATES AND PAYMENTS

    • Year 1
    • Board + 1.300% = 1.30%
    • $ 336/mth
    • Year 2
    • Board + 1.300% = 1.30%
    • $ 336/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


1.30% (First year)


$ 336 (First year)


1 year Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion anytime if MBR Increase
  • Waiver of partial payment penalty up to 50% of original loan amount during lock in

RATES AND PAYMENTS

    • Year 1
    • Board + 1.300% = 1.30%
    • $ 336/mth
    • Year 2
    • Board + 1.300% = 1.30%
    • $ 336/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


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 5
    • Board + 2.000% = 2.00%
    • $ 367/mth
    • Year 6+
    • Board + 2.000% = 2.00%
    • $ 367/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion after lock in

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/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


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Board + 1.980% = 1.98%
    • $ 367/mth
    • Year 4
    • Board + 1.980% = 1.98%
    • $ 367/mth
    • Year 5
    • Board + 1.980% = 1.98%
    • $ 367/mth
    • Year 6+
    • Board + 1.980% = 1.98%
    • $ 367/mth


1.35% (First year)


$ 338 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 2
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 3
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth


1.35% (First year)


$ 338 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 2
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 3
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 355/mth
    • Year 5
    • Board + 1.750% = 1.75%
    • $ 355/mth
    • Year 6+
    • Board + 1.750% = 1.75%
    • $ 355/mth


1.38% (First year)


$ 339 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion if MBR Increase

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
    • 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


1.38% (First year)


$ 339 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion if MBR Increase

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
    • 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


1.38% (First year)


$ 339 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion if MBR Increase

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.38%
    • $ 339/mth
    • Year 2
    • Fixed Rate = 1.38%
    • $ 339/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


1.38% (First year)


$ 339 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion if MBR Increase

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.38%
    • $ 339/mth
    • Year 2
    • Fixed Rate = 1.38%
    • $ 339/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


1.38% (First year)


$ 339 (First year)


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

FEATURES

  • 4 Years Flat Package

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.100% = 1.38%
    • $ 339/mth
    • Year 2
    • 1M SIBOR + 1.100% = 1.38%
    • $ 339/mth
    • Year 3
    • 1M SIBOR + 1.100% = 1.38%
    • $ 339/mth
    • Year 4
    • 1M SIBOR + 1.100% = 1.38%
    • $ 339/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth


1.38% (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% = 1.38%
    • $ 340/mth
    • Year 2
    • 3m SORA + 1.200% = 1.38%
    • $ 340/mth
    • Year 3
    • 3m SORA + 4.000% = 4.18%
    • $ 478/mth
    • Year 4
    • 3m SORA + 4.000% = 4.18%
    • $ 478/mth
    • Year 5
    • 3m SORA + 4.000% = 4.18%
    • $ 478/mth
    • Year 6+
    • 3m SORA + 4.000% = 4.18%
    • $ 478/mth


1.38% (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% = 1.38%
    • $ 340/mth
    • Year 2
    • 3m SORA + 1.200% = 1.38%
    • $ 340/mth
    • Year 3
    • 3m SORA + 4.000% = 4.18%
    • $ 478/mth
    • Year 4
    • 3m SORA + 4.000% = 4.18%
    • $ 478/mth
    • Year 5
    • 3m SORA + 4.000% = 4.18%
    • $ 478/mth
    • Year 6+
    • 3m SORA + 4.000% = 4.18%
    • $ 478/mth


1.38% (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% = 1.38%
    • $ 340/mth
    • Year 2
    • 3m SORA + 1.300% = 1.48%
    • $ 344/mth
    • Year 3
    • 3m SORA + 1.400% = 1.58%
    • $ 349/mth
    • Year 4
    • 3m SORA + 1.400% = 1.58%
    • $ 349/mth
    • Year 5
    • 3m SORA + 1.400% = 1.58%
    • $ 349/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.58%
    • $ 349/mth


1.38% (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% = 1.38%
    • $ 340/mth
    • Year 2
    • 3m SORA + 1.300% = 1.48%
    • $ 344/mth
    • Year 3
    • 3m SORA + 1.400% = 1.58%
    • $ 349/mth
    • Year 4
    • 3m SORA + 1.400% = 1.58%
    • $ 349/mth
    • Year 5
    • 3m SORA + 1.400% = 1.58%
    • $ 349/mth
    • Year 6+
    • 3m SORA + 1.400% = 1.58%
    • $ 349/mth


1.39% (First year)


$ 340 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.950% = 1.39%
    • $ 340/mth
    • Year 2
    • 3M SIBOR + 0.950% = 1.39%
    • $ 340/mth
    • Year 3
    • 3M SIBOR + 2.800% = 3.24%
    • $ 428/mth
    • Year 4
    • 3M SIBOR + 2.800% = 3.24%
    • $ 428/mth
    • Year 5
    • 3M SIBOR + 2.800% = 3.24%
    • $ 428/mth
    • Year 6+
    • 3M SIBOR + 2.800% = 3.24%
    • $ 428/mth


1.40% (First year)


$ 340 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 3
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 4
    • Board + 2.250% = 2.25%
    • $ 378/mth
    • Year 5
    • Board + 2.250% = 2.25%
    • $ 378/mth
    • Year 6+
    • Board + 2.250% = 2.25%
    • $ 378/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
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)


5 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free conversion after lock in

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 3
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 4
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 5
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 6+
    • FHR6 (DBS) + 1.600% = 1.80%
    • $ 357/mth


1.40% (First year)


$ 340 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free conversion after lock in

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 3
    • Fixed Rate = 1.40%
    • $ 340/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


1.40% (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
FDR36(SCB) Rate Type

FEATURES

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

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

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

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 2
    • Fixed Rate = 1.40%
    • $ 340/mth
    • Year 3
    • Board + 2.250% = 2.25%
    • $ 380/mth
    • Year 4
    • Board + 2.250% = 2.25%
    • $ 380/mth
    • Year 5
    • Board + 2.250% = 2.25%
    • $ 380/mth
    • Year 6+
    • Board + 2.250% = 2.25%
    • $ 380/mth


1.40% (First year)


$ 340 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Facility Fee: $1,600
  • Owners Occupied

RATES AND PAYMENTS

    • Year 1
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 2
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 3
    • Board + 3.380% = 3.38%
    • $ 436/mth
    • Year 4
    • Board + 6.000% = 6.00%
    • $ 577/mth
    • Year 5
    • Board + 6.000% = 6.00%
    • $ 577/mth
    • Year 6+
    • Board + 6.000% = 6.00%
    • $ 577/mth


1.42% (First year)


$ 341 (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 + 0.980% = 1.42%
    • $ 341/mth
    • Year 2
    • 3M SIBOR + 0.980% = 1.42%
    • $ 341/mth
    • Year 3
    • 3M SIBOR + 1.380% = 1.82%
    • $ 359/mth
    • Year 4
    • 3M SIBOR + 1.380% = 1.82%
    • $ 359/mth
    • Year 5
    • 3M SIBOR + 1.380% = 1.82%
    • $ 359/mth
    • Year 6+
    • 3M SIBOR + 1.380% = 1.82%
    • $ 359/mth


1.43% (First year)


$ 342 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.150% = 1.43%
    • $ 342/mth
    • Year 2
    • 1M SIBOR + 1.150% = 1.43%
    • $ 342/mth
    • Year 3
    • 1M SIBOR + 1.150% = 1.43%
    • $ 342/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth


1.43% (First year)


$ 342 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • Facility Fee: $1,600
  • Owners Occupied

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 1.200% = 1.43%
    • $ 342/mth
    • Year 2
    • 1m SORA + 1.200% = 1.43%
    • $ 342/mth
    • Year 3
    • Board + 3.380% = 3.38%
    • $ 436/mth
    • Year 4
    • Board + 6.000% = 6.00%
    • $ 577/mth
    • Year 5
    • Board + 6.000% = 6.00%
    • $ 577/mth
    • Year 6+
    • Board + 6.000% = 6.00%
    • $ 577/mth


1.43% (First year)


$ 342 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • Free Conversion after 12months
  • Waiver of partial payment penalty up to 50% of original loan amount during lock in

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 1.200% = 1.43%
    • $ 342/mth
    • Year 2
    • 1m SORA + 1.300% = 1.53%
    • $ 346/mth
    • Year 3
    • 1m SORA + 1.400% = 1.63%
    • $ 351/mth
    • Year 4
    • 1m SORA + 1.400% = 1.63%
    • $ 351/mth
    • Year 5
    • 1m SORA + 1.400% = 1.63%
    • $ 351/mth
    • Year 6+
    • 1m SORA + 1.400% = 1.63%
    • $ 351/mth


1.43% (First year)


$ 342 (First year)


2 years Lock-in Period
1m SORA Rate Type

FEATURES

  • Free Conversion after 12months
  • Waiver of partial payment penalty up to 50% of original loan amount during lock in

RATES AND PAYMENTS

    • Year 1
    • 1m SORA + 1.200% = 1.43%
    • $ 342/mth
    • Year 2
    • 1m SORA + 1.300% = 1.53%
    • $ 346/mth
    • Year 3
    • 1m SORA + 1.400% = 1.63%
    • $ 351/mth
    • Year 4
    • 1m SORA + 1.400% = 1.63%
    • $ 351/mth
    • Year 5
    • 1m SORA + 1.400% = 1.63%
    • $ 351/mth
    • Year 6+
    • 1m SORA + 1.400% = 1.63%
    • $ 351/mth


1.44% (First year)


$ 342 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • 1 x Free Conversion after Lock In
  • Waiver of partial payment penalty up to 50% of original loan amount during lock in

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 2
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth


1.44% (First year)


$ 342 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • 1 x Free Conversion after Lock In
  • Waiver of partial payment penalty up to 50% of original loan amount during lock in

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 2
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth


1.44% (First year)


$ 342 (First year)


3 years Lock-in Period
3M SIBOR Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 2
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.400% = 1.84%
    • $ 360/mth
    • Year 5
    • 3M SIBOR + 1.400% = 1.84%
    • $ 360/mth
    • Year 6+
    • 3M SIBOR + 1.400% = 1.84%
    • $ 360/mth


1.44% (First year)


$ 342 (First year)


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

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 2
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.400% = 1.84%
    • $ 360/mth
    • Year 5
    • 3M SIBOR + 1.400% = 1.84%
    • $ 360/mth
    • Year 6+
    • 3M SIBOR + 1.400% = 1.84%
    • $ 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
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • 1 x Free Conversion within 6month from TOP

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 377/mth
    • Year 5
    • Board + 2.200% = 2.20%
    • $ 377/mth
    • Year 6+
    • Board + 2.200% = 2.20%
    • $ 377/mth


1.45% (First year)


$ 343 (First year)


1 year Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 3
    • Board + 1.650% = 1.65%
    • $ 352/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


1.48% (First year)


$ 344 (First year)


4 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.48%
    • $ 344/mth
    • Year 2
    • Fixed Rate = 1.48%
    • $ 344/mth
    • Year 3
    • Fixed Rate = 1.48%
    • $ 344/mth
    • Year 4
    • Fixed Rate = 1.48%
    • $ 344/mth
    • Year 5
    • Board + 1.980% = 1.98%
    • $ 366/mth
    • Year 6+
    • Board + 1.980% = 1.98%
    • $ 366/mth


1.48% (First year)


$ 344 (First year)


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

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.200% = 1.48%
    • $ 344/mth
    • Year 2
    • 1M SIBOR + 1.200% = 1.48%
    • $ 344/mth
    • Year 3
    • 1M SIBOR + 1.200% = 1.48%
    • $ 344/mth
    • Year 4
    • 1M SIBOR + 1.550% = 1.83%
    • $ 360/mth
    • Year 5
    • 1M SIBOR + 1.550% = 1.83%
    • $ 360/mth
    • Year 6+
    • 1M SIBOR + 1.550% = 1.83%
    • $ 360/mth


1.50% (First year)


$ 345 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

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 SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 346/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.53%
    • $ 347/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.53%
    • $ 347/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.53%
    • $ 347/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.53%
    • $ 347/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 355/mth
    • Year 4
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 355/mth
    • Year 5
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 355/mth
    • Year 6+
    • FDR36(SCB) + 1.000% = 1.72%
    • $ 355/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • 3M SIBOR + 4.000% = 4.44%
    • $ 492/mth
    • Year 4
    • 3M SIBOR + 4.000% = 4.44%
    • $ 492/mth
    • Year 5
    • 3M SIBOR + 4.000% = 4.44%
    • $ 492/mth
    • Year 6+
    • 3M SIBOR + 4.000% = 4.44%
    • $ 492/mth


1.50% (First year)


$ 345 (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 + 1.500% = 1.50%
    • $ 345/mth
    • Year 2
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 3
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 5
    • Board + 1.950% = 1.95%
    • $ 365/mth
    • Year 6+
    • Board + 1.950% = 1.95%
    • $ 365/mth


1.52% (First year)


$ 346 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 2
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 3
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 4
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 5
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 6+
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth


1.52% (First year)


$ 346 (First year)


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

FEATURES

  • 1 X Free Conversion after 1st disbursement

RATES AND PAYMENTS