1.85% (First year)


$ 362 (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 + 1.850% = 1.85%
    • $ 362/mth
    • Year 2
    • Board + 2.000% = 2.00%
    • $ 369/mth
    • Year 3
    • Board + 2.100% = 2.10%
    • $ 374/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 379/mth
    • Year 5
    • Board + 2.700% = 2.70%
    • $ 401/mth
    • Year 6+
    • Board + 4.600% = 4.60%
    • $ 491/mth


1.88% (First year)


$ 364 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.88%
    • $ 364/mth
    • Year 2
    • Board + 1.980% = 1.98%
    • $ 368/mth
    • Year 3
    • Board + 3.550% = 3.55%
    • $ 446/mth
    • Year 4
    • Board + 4.150% = 4.15%
    • $ 478/mth
    • Year 5
    • Board + 4.150% = 4.15%
    • $ 478/mth
    • Year 6+
    • Board + 4.150% = 4.15%
    • $ 478/mth


1.92% (First year)


$ 366 (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% = 1.92%
    • $ 366/mth
    • Year 2
    • 1M SIBOR + 0.150% = 1.97%
    • $ 368/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth


1.92% (First year)


$ 366 (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% = 1.92%
    • $ 366/mth
    • Year 2
    • 1M SIBOR + 0.200% = 2.02%
    • $ 371/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth


1.95% (First year)


$ 367 (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 70%

RATES AND PAYMENTS

    • Year 1
    • Board + 1.950% = 1.95%
    • $ 367/mth
    • Year 2
    • Board + 2.100% = 2.10%
    • $ 374/mth
    • Year 3
    • Board + 2.200% = 2.20%
    • $ 379/mth
    • Year 4
    • Board + 2.300% = 2.30%
    • $ 384/mth
    • Year 5
    • Board + 2.800% = 2.80%
    • $ 407/mth
    • Year 6+
    • Board + 4.700% = 4.70%
    • $ 497/mth


2.02% (First year)


$ 371 (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% = 2.02%
    • $ 371/mth
    • Year 2
    • 1M SIBOR + 0.200% = 2.02%
    • $ 371/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth


2.02% (First year)


$ 371 (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% = 2.02%
    • $ 371/mth
    • Year 2
    • 1M SIBOR + 0.200% = 2.02%
    • $ 371/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.22%
    • $ 380/mth
    • Year 4
    • 1M SIBOR + 0.550% = 2.37%
    • $ 387/mth
    • Year 5
    • 1M SIBOR + 0.550% = 2.37%
    • $ 387/mth
    • Year 6+
    • 1M SIBOR + 0.550% = 2.37%
    • $ 387/mth


2.02% (First year)


$ 371 (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 + 0.200% = 2.02%
    • $ 371/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.22%
    • $ 380/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/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
1M SIBOR Rate Type

FEATURES

  • - 1 x free conversion within 6 months from obtaining TOP
  • - Partial payment up to min remaining loan of 4 x monthly instalment without penalty
  • Request interval of 3month required

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 3
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 4
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 5
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 6+
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth


2.07% (First year)


$ 373 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Partial payment up to min remaining loan of 4 x monthly instalment without penalty
  • Request interval of 3month required

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 3
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth


2.07% (First year)


$ 373 (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% = 2.07%
    • $ 373/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.22%
    • $ 380/mth
    • Year 4
    • 1M SIBOR + 0.550% = 2.37%
    • $ 387/mth
    • Year 5
    • 1M SIBOR + 0.550% = 2.37%
    • $ 387/mth
    • Year 6+
    • 1M SIBOR + 0.550% = 2.37%
    • $ 387/mth


2.07% (First year)


$ 373 (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% = 2.07%
    • $ 373/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.22%
    • $ 380/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth


2.07% (First year)


$ 373 (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% = 2.07%
    • $ 373/mth
    • Year 2
    • 1M SIBOR + 0.250% = 2.07%
    • $ 373/mth
    • Year 3
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth


2.07% (First year)


$ 373 (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% = 2.07%
    • $ 373/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.12%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.57%
    • $ 397/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.57%
    • $ 397/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.57%
    • $ 397/mth


2.07% (First year)


$ 373 (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% = 2.07%
    • $ 373/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.12%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.750% = 2.57%
    • $ 397/mth
    • Year 5
    • 1M SIBOR + 0.750% = 2.57%
    • $ 397/mth
    • Year 6+
    • 1M SIBOR + 0.750% = 2.57%
    • $ 397/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


2.10% (First year)


$ 375 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Commitment Fee (Non-refundable)0.02% of the loan amount, subject to minimum of $200PPR.

RATES AND PAYMENTS

    • Year 1
    • Board + 2.100% = 2.10%
    • $ 375/mth
    • Year 2
    • Board + 2.100% = 2.10%
    • $ 375/mth
    • Year 3
    • Board + 2.430% = 2.43%
    • $ 390/mth
    • Year 4
    • Board + 3.330% = 3.33%
    • $ 434/mth
    • Year 5
    • Board + 3.330% = 3.33%
    • $ 434/mth
    • Year 6+
    • Board + 3.330% = 3.33%
    • $ 434/mth


2.10% (First year)


$ 375 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Equity loan only

RATES AND PAYMENTS

    • Year 1
    • Board + 2.100% = 2.10%
    • $ 375/mth
    • Year 2
    • Board + 2.100% = 2.10%
    • $ 375/mth
    • Year 3
    • Board + 2.430% = 2.43%
    • $ 390/mth
    • Year 4
    • Board + 3.330% = 3.33%
    • $ 434/mth
    • Year 5
    • Board + 3.700% = 3.70%
    • $ 452/mth
    • Year 6+
    • Board + 3.700% = 3.70%
    • $ 452/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


2.12% (First year)


$ 376 (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% = 2.12%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.12%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth


2.12% (First year)


$ 376 (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% = 2.12%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.12%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth


2.12% (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 + 0.300% = 2.12%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.12%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.22%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.550% = 2.37%
    • $ 388/mth
    • Year 5
    • 1M SIBOR + 0.550% = 2.37%
    • $ 388/mth
    • Year 6+
    • 1M SIBOR + 0.550% = 2.37%
    • $ 388/mth


2.12% (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 + 0.300% = 2.12%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.300% = 2.12%
    • $ 376/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.22%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth


2.12% (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 + 0.300% = 2.12%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.22%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.800% = 2.62%
    • $ 399/mth
    • Year 5
    • 1M SIBOR + 0.800% = 2.62%
    • $ 399/mth
    • Year 6+
    • 1M SIBOR + 0.800% = 2.62%
    • $ 399/mth


2.12% (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 + 0.300% = 2.12%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.22%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.800% = 2.62%
    • $ 399/mth
    • Year 5
    • 1M SIBOR + 0.800% = 2.62%
    • $ 399/mth
    • Year 6+
    • 1M SIBOR + 0.800% = 2.62%
    • $ 399/mth


2.12% (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 + 0.300% = 2.12%
    • $ 376/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 3
    • 1M SIBOR + 0.400% = 2.22%
    • $ 381/mth
    • Year 4
    • 1M SIBOR + 0.800% = 2.62%
    • $ 399/mth
    • Year 5
    • 1M SIBOR + 0.800% = 2.62%
    • $ 399/mth
    • Year 6+
    • 1M SIBOR + 0.800% = 2.62%
    • $ 399/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


2.15% (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


2.17% (First year)


$ 378 (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% = 2.17%
    • $ 378/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.400% = 2.22%
    • $ 381/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth


2.17% (First year)


$ 378 (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% = 2.17%
    • $ 378/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth


2.17% (First year)


$ 378 (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% = 2.17%
    • $ 378/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 3
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.32%
    • $ 385/mth


2.17% (First year)


$ 378 (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% = 2.17%
    • $ 378/mth
    • Year 2
    • 1M SIBOR + 0.350% = 2.17%
    • $ 378/mth
    • Year 3
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth


2.17% (First year)


$ 378 (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% = 2.17%
    • $ 378/mth
    • Year 2
    • 1M SIBOR + 0.400% = 2.22%
    • $ 381/mth
    • Year 3
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.67%
    • $ 402/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.67%
    • $ 402/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.67%
    • $ 402/mth


2.17% (First year)


$ 378 (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% = 2.17%
    • $ 378/mth
    • Year 2
    • 1M SIBOR + 0.400% = 2.22%
    • $ 381/mth
    • Year 3
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth


2.17% (First year)


$ 378 (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% = 2.17%
    • $ 378/mth
    • Year 2
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 3
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth


2.17% (First year)


$ 378 (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% = 2.17%
    • $ 378/mth
    • Year 2
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 3
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 4
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 5
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/mth
    • Year 6+
    • 1M SIBOR + 0.600% = 2.42%
    • $ 390/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


2.19% (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 + 0.250% = 2.19%
    • $ 379/mth
    • Year 2
    • 3M SIBOR + 0.250% = 2.19%
    • $ 379/mth
    • Year 3
    • 3M SIBOR + 0.300% = 2.24%
    • $ 382/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/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 + 0.250% = 2.19%
    • $ 379/mth
    • Year 2
    • 3M SIBOR + 0.250% = 2.19%
    • $ 379/mth
    • Year 3
    • 3M SIBOR + 0.300% = 2.24%
    • $ 382/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/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)


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


2.22% (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


2.22% (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 + 0.400% = 2.22%
    • $ 381/mth
    • Year 2
    • 1M SIBOR + 0.400% = 2.22%
    • $ 381/mth
    • Year 3
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth


2.22% (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 + 0.400% = 2.22%
    • $ 381/mth
    • Year 2
    • 1M SIBOR + 0.400% = 2.22%
    • $ 381/mth
    • Year 3
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.32%
    • $ 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 + 0.300% = 2.24%
    • $ 382/mth
    • Year 2
    • 3M SIBOR + 0.300% = 2.24%
    • $ 382/mth
    • Year 3
    • 3M SIBOR + 0.300% = 2.24%
    • $ 382/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/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 + 0.300% = 2.24%
    • $ 382/mth
    • Year 2
    • 3M SIBOR + 0.300% = 2.24%
    • $ 382/mth
    • Year 3
    • 3M SIBOR + 0.300% = 2.24%
    • $ 382/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth


2.24% (First year)


$ 382 (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% = 2.24%
    • $ 382/mth
    • Year 2
    • 3M SIBOR + 0.300% = 2.24%
    • $ 382/mth
    • Year 3
    • 3M SIBOR + 0.350% = 2.29%
    • $ 384/mth
    • Year 4
    • 3M SIBOR + 0.400% = 2.34%
    • $ 387/mth
    • Year 5
    • 3M SIBOR + 0.500% = 2.44%
    • $ 391/mth
    • Year 6+
    • 3M SIBOR + 0.500% = 2.44%
    • $ 391/mth


2.24% (First year)


$ 382 (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% = 2.24%
    • $ 382/mth
    • Year 2
    • 3M SIBOR + 0.400% = 2.34%
    • $ 387/mth
    • Year 3
    • 3M SIBOR + 0.500% = 2.44%
    • $ 392/mth
    • Year 4
    • 3M SIBOR + 0.600% = 2.54%
    • $ 396/mth
    • Year 5
    • 3M SIBOR + 0.600% = 2.54%
    • $ 396/mth
    • Year 6+
    • 3M SIBOR + 0.600% = 2.54%
    • $ 396/mth


2.24% (First year)


$ 382 (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% = 2.24%
    • $ 382/mth
    • Year 2
    • 3M SIBOR + 0.400% = 2.34%
    • $ 387/mth
    • Year 3
    • 3M SIBOR + 0.500% = 2.44%
    • $ 392/mth
    • Year 4
    • 3M SIBOR + 0.600% = 2.54%
    • $ 396/mth
    • Year 5
    • 3M SIBOR + 0.600% = 2.54%
    • $ 396/mth
    • Year 6+
    • 3M SIBOR + 0.600% = 2.54%
    • $ 396/mth


2.24% (First year)


$ 382 (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% = 2.24%
    • $ 382/mth
    • Year 2
    • 3M SIBOR + 0.400% = 2.34%
    • $ 387/mth
    • Year 3
    • 3M SIBOR + 0.500% = 2.44%
    • $ 392/mth
    • Year 4
    • 3M SIBOR + 0.600% = 2.54%
    • $ 396/mth
    • Year 5
    • 3M SIBOR + 0.600% = 2.54%
    • $ 396/mth
    • Year 6+
    • 3M SIBOR + 0.600% = 2.54%
    • $ 396/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
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)


3 years Lock-in Period
Board Rate Type

FEATURES

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

RATES AND PAYMENTS

    • Year 1
    • Board + 2.250% = 2.25%
    • $ 382/mth
    • Year 2
    • Board + 2.300% = 2.30%
    • $ 385/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


2.25% (First year)


$ 382 (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 + 2.250% = 2.25%
    • $ 382/mth
    • Year 2
    • Board + 2.350% = 2.35%
    • $ 387/mth
    • Year 3
    • Board + 2.450% = 2.45%
    • $ 392/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


2.25% (First year)


$ 382 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • For Investment Purposes

RATES AND PAYMENTS

    • Year 1
    • Board + 2.250% = 2.25%
    • $ 382/mth
    • Year 2
    • Board + 2.500% = 2.50%
    • $ 395/mth
    • Year 3
    • Board + 3.000% = 3.00%
    • $ 420/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


2.25% (First year)


$ 382 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • For Investment Purposes

RATES AND PAYMENTS

    • Year 1
    • Board + 2.250% = 2.25%
    • $ 382/mth
    • Year 2
    • Board + 2.500% = 2.50%
    • $ 395/mth
    • Year 3
    • Board + 3.750% = 3.75%
    • $ 459/mth
    • Year 4
    • Board + 3.750% = 3.75%
    • $ 459/mth
    • Year 5
    • Board + 3.750% = 3.75%
    • $ 459/mth
    • Year 6+
    • Board + 3.750% = 3.75%
    • $ 459/mth


2.27% (First year)


$ 383 (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 + 2.270% = 2.27%
    • $ 383/mth
    • Year 2
    • Board + 2.310% = 2.31%
    • $ 385/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


2.27% (First year)


$ 383 (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 + 0.450% = 2.27%
    • $ 383/mth
    • Year 2
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 3
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 4
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 5
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 6+
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth


2.27% (First year)


$ 383 (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 + 0.450% = 2.27%
    • $ 383/mth
    • Year 2
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 3
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 4
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 5
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth
    • Year 6+
    • 1M SIBOR + 0.450% = 2.27%
    • $ 383/mth


2.28% (First year)


$ 384 (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 = 2.28%
    • $ 384/mth
    • Year 2
    • Fixed Rate = 2.28%
    • $ 384/mth
    • Year 3
    • Board + 2.380% = 2.38%
    • $ 389/mth
    • Year 4
    • Board + 3.200% = 3.20%
    • $ 428/mth
    • Year 5
    • Board + 3.200% = 3.20%
    • $ 428/mth
    • Year 6+
    • Board + 3.200% = 3.20%
    • $ 428/mth


2.28% (First year)


$ 384 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.28%
    • $ 384/mth
    • Year 2
    • Fixed Rate = 2.28%
    • $ 384/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth


2.28% (First year)


$ 384 (First year)


1 year Lock-in Period
3M SIBOR Rate Type

FEATURES

  • - Maximum loan tenure for HDB is 30 years.
  • - HDB Min Loan $80,000
  • - Pte Min Loan $100,000

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.340% = 2.28%
    • $ 384/mth
    • Year 2
    • 3M SIBOR + 0.340% = 2.28%
    • $ 384/mth
    • Year 3
    • 3M SIBOR + 0.440% = 2.38%
    • $ 389/mth
    • Year 4
    • 3M SIBOR + 0.440% = 2.38%
    • $ 389/mth
    • Year 5
    • 3M SIBOR + 0.440% = 2.38%
    • $ 389/mth
    • Year 6+
    • 3M SIBOR + 0.440% = 2.38%
    • $ 389/mth


2.29% (First year)


$ 384 (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% = 2.29%
    • $ 384/mth
    • Year 2
    • 3M SIBOR + 0.350% = 2.29%
    • $ 384/mth
    • Year 3
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth


2.29% (First year)


$ 384 (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% = 2.29%
    • $ 384/mth
    • Year 2
    • 3M SIBOR + 0.350% = 2.29%
    • $ 384/mth
    • Year 3
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 4
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 5
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth
    • Year 6+
    • 3M SIBOR + 0.450% = 2.39%
    • $ 389/mth


2.30% (First year)


$ 385 (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) + 0.930% = 2.30%
    • $ 385/mth
    • Year 2
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 3
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 4
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 5
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 6+
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth


2.30% (First year)


$ 385 (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) + 0.930% = 2.30%
    • $ 385/mth
    • Year 2
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 3
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 4
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 5
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 6+
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth


2.30% (First year)


$ 385 (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) + 0.930% = 2.30%
    • $ 385/mth
    • Year 2
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 3
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 4
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 5
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 6+
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth


2.30% (First year)


$ 385 (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) + 0.930% = 2.30%
    • $ 385/mth
    • Year 2
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 3
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 4
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 5
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth
    • Year 6+
    • FDR36(SCB) + 0.930% = 2.30%
    • $ 385/mth


2.30% (First year)


$ 385 (First year)


No Lock-in Lock-in Period
Board Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Board + 2.300% = 2.30%
    • $ 385/mth
    • Year 2
    • Board + 2.300% = 2.30%
    • $ 385/mth
    • Year 3
    • Board + 2.300% = 2.30%
    • $ 385/mth
    • Year 4
    • Board + 2.480% = 2.48%
    • $ 393/mth
    • Year 5
    • Board + 2.480% = 2.48%
    • $ 393/mth
    • Year 6+
    • Board + 2.480% = 2.48%
    • $ 393/mth


2.30% (First year)


$ 385 (First year)


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

FEATURES

  • Partial payment allowed on review date

RATES AND PAYMENTS

    • Year 1
    • MBR(OCBC) + 0.750% = 2.30%
    • $ 385/mth
    • Year 2
    • MBR(OCBC) + 0.750% = 2.30%
    • $ 385/mth
    • Year 3
    • MBR(OCBC) + 0.750% = 2.30%
    • $ 385/mth
    • Year 4
    • MBR(OCBC) + 0.950% = 2.50%
    • $ 394/mth
    • Year 5
    • MBR(OCBC) + 0.950% = 2.50%
    • $ 394/mth
    • Year 6+
    • MBR(OCBC) + 0.950% = 2.50%
    • $ 394/mth


2.30% (First year)


$ 385 (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 + 2.300% = 2.30%
    • $ 385/mth
    • Year 2
    • Board + 2.300% = 2.30%
    • $ 385/mth
    • Year 3
    • Board + 2.300% = 2.30%
    • $ 385/mth
    • Year 4
    • Board + 2.580% = 2.58%
    • $ 398/mth
    • Year 5
    • Board + 2.580% = 2.58%
    • $ 398/mth
    • Year 6+
    • Board + 2.580% = 2.58%
    • $ 398/mth


2.30% (First year)


$ 385 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.30%
    • $ 385/mth
    • Year 2
    • Fixed Rate = 2.30%
    • $ 385/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth


2.30% (First year)


$ 385 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.30%
    • $ 385/mth
    • Year 2
    • Fixed Rate = 2.30%
    • $ 385/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth


2.30% (First year)


$ 385 (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 + 2.300% = 2.30%
    • $ 385/mth
    • Year 2
    • Board + 2.340% = 2.34%
    • $ 387/mth
    • Year 3
    • Board + 2.380% = 2.38%
    • $ 389/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


2.30% (First year)


$ 385 (First year)


2 years Lock-in Period
6M 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
    • 6M SIBOR + 0.300% = 2.30%
    • $ 385/mth
    • Year 2
    • 6M SIBOR + 0.400% = 2.40%
    • $ 390/mth
    • Year 3
    • 6M SIBOR + 0.500% = 2.50%
    • $ 395/mth
    • Year 4
    • 6M SIBOR + 0.600% = 2.60%
    • $ 399/mth
    • Year 5
    • 6M SIBOR + 0.600% = 2.60%
    • $ 399/mth
    • Year 6+
    • 6M SIBOR + 0.600% = 2.60%
    • $ 399/mth


2.32% (First year)


$ 386 (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 + 0.500% = 2.32%
    • $ 386/mth
    • Year 2
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 3
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 4
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 5
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth
    • Year 6+
    • 1M SIBOR + 0.500% = 2.32%
    • $ 386/mth


2.33% (First year)


$ 386 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.33%
    • $ 386/mth
    • Year 2
    • Fixed Rate = 2.33%
    • $ 386/mth
    • Year 3
    • Fixed Rate = 2.33%
    • $ 386/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth


2.33% (First year)


$ 386 (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 = 2.33%
    • $ 386/mth
    • Year 2
    • Fixed Rate = 2.43%
    • $ 391/mth
    • Year 3
    • Board + 2.680% = 2.68%
    • $ 404/mth
    • Year 4
    • Board + 2.680% = 2.68%
    • $ 404/mth
    • Year 5
    • Board + 2.680% = 2.68%
    • $ 404/mth
    • Year 6+
    • Board + 2.680% = 2.68%
    • $ 404/mth


2.33% (First year)


$ 386 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • - Not applicable to JTC, Repricing, Equity loan & loan to non profit organisation

RATES AND PAYMENTS

    • Year 1
    • Board + 2.330% = 2.33%
    • $ 386/mth
    • Year 2
    • Board + 2.530% = 2.53%
    • $ 396/mth
    • Year 3
    • Board + 3.750% = 3.75%
    • $ 459/mth
    • Year 4
    • Board + 4.250% = 4.25%
    • $ 485/mth
    • Year 5
    • Board + 4.250% = 4.25%
    • $ 485/mth
    • Year 6+
    • Board + 4.250% = 4.25%
    • $ 485/mth


2.34% (First year)


$ 387 (First year)


1 year Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.34%
    • $ 387/mth
    • Year 2
    • 3M SIBOR + 0.300% = 2.24%
    • $ 382/mth
    • Year 3
    • 3M SIBOR + 0.400% = 2.34%
    • $ 387/mth
    • Year 4
    • 3M SIBOR + 0.500% = 2.44%
    • $ 392/mth
    • Year 5
    • 3M SIBOR + 0.500% = 2.44%
    • $ 392/mth
    • Year 6+
    • 3M SIBOR + 0.500% = 2.44%
    • $ 392/mth


2.34% (First year)


$ 387 (First year)


1 year Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.34%
    • $ 387/mth
    • Year 2
    • 3M SIBOR + 0.300% = 2.24%
    • $ 382/mth
    • Year 3
    • 3M SIBOR + 0.400% = 2.34%
    • $ 387/mth
    • Year 4
    • 3M SIBOR + 0.500% = 2.44%
    • $ 392/mth
    • Year 5
    • 3M SIBOR + 0.500% = 2.44%
    • $ 392/mth
    • Year 6+
    • 3M SIBOR + 0.500% = 2.44%
    • $ 392/mth


2.35% (First year)


$ 387 (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) + 0.980% = 2.35%
    • $ 387/mth
    • Year 2
    • FDR36(SCB) + 0.980% = 2.35%
    • $ 387/mth
    • Year 3
    • FDR36(SCB) + 0.980% = 2.35%
    • $ 387/mth
    • Year 4
    • FDR36(SCB) + 0.980% = 2.35%
    • $ 387/mth
    • Year 5
    • FDR36(SCB) + 0.980% = 2.35%
    • $ 387/mth
    • Year 6+
    • FDR36(SCB) + 0.980% = 2.35%
    • $ 387/mth


2.35% (First year)


$ 387 (First year)


2 years Lock-in Period
FHR8(DBS) Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years.

RATES AND PAYMENTS

    • Year 1
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth
    • Year 2
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth
    • Year 3
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth
    • Year 4
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth
    • Year 5
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth
    • Year 6+
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth


2.35% (First year)


$ 387 (First year)


No Lock-in Lock-in Period
FHR8(DBS) Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years.

RATES AND PAYMENTS

    • Year 1
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth
    • Year 2
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth
    • Year 3
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth
    • Year 4
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth
    • Year 5
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth
    • Year 6+
    • FHR8(DBS) + 1.400% = 2.35%
    • $ 387/mth


2.35% (First year)


$ 387 (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) + 0.980% = 2.35%
    • $ 387/mth
    • Year 2
    • FDR36(SCB) + 0.980% = 2.35%
    • $ 387/mth
    • Year 3
    • FDR36(SCB) + 0.980% = 2.35%
    • $ 387/mth
    • Year 4
    • FDR36(SCB) + 0.980% = 2.35%
    • $ 387/mth
    • Year 5
    • FDR36(SCB) + 0.980% = 2.35%
    • $ 387/mth
    • Year 6+
    • FDR36(SCB) + 0.980% = 2.35%
    • $ 387/mth


2.35% (First year)


$ 387 (First year)


No Lock-in Lock-in Period
6M SIBOR Rate Type

FEATURES

  • Partial payment allowed on review date

RATES AND PAYMENTS

    • Year 1
    • 6M SIBOR + 0.350% = 2.35%
    • $ 387/mth
    • Year 2
    • 6M SIBOR + 0.350% = 2.35%
    • $ 387/mth
    • Year 3
    • 6M SIBOR + 0.350% = 2.35%
    • $ 387/mth
    • Year 4
    • 6M SIBOR + 0.400% = 2.40%
    • $ 390/mth
    • Year 5
    • 6M SIBOR + 0.500% = 2.50%
    • $ 394/mth
    • Year 6+
    • 6M SIBOR + 0.500% = 2.50%
    • $ 394/mth


2.35% (First year)


$ 387 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 2
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 3
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth


2.35% (First year)


$ 387 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 2
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 3
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth


2.35% (First year)


$ 387 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 2
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth


2.35% (First year)


$ 387 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 2
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth


2.35% (First year)


$ 387 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Max Loan for HDB = 30yrs

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 2
    • Fixed Rate = 2.35%
    • $ 387/mth
    • Year 3
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 4
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 5
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth
    • Year 6+
    • 1M SIBOR + 0.850% = 2.67%
    • $ 403/mth


2.35% (First year)


$ 387 (First year)


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

FEATURES

  • Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • MBR(OCBC) + 0.800% = 2.35%
    • $ 387/mth
    • Year 2
    • MBR(OCBC) + 0.850% = 2.40%
    • $ 390/mth
    • Year 3
    • MBR(OCBC) + 0.850% = 2.40%
    • $ 390/mth
    • Year 4
    • MBR(OCBC) + 0.950% = 2.50%
    • $ 395/mth
    • Year 5
    • MBR(OCBC) + 0.950% = 2.50%
    • $ 395/mth
    • Year 6+
    • MBR(OCBC) + 0.950% = 2.50%
    • $ 395/mth


2.35% (First year)


$ 387 (First year)


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

FEATURES

  • Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • MBR(OCBC) + 0.800% = 2.35%
    • $ 387/mth
    • Year 2
    • MBR(OCBC) + 0.850% = 2.40%
    • $ 390/mth
    • Year 3
    • MBR(OCBC) + 0.850% = 2.40%
    • $ 390/mth
    • Year 4
    • MBR(OCBC) + 0.950% = 2.50%
    • $ 395/mth
    • Year 5
    • MBR(OCBC) + 0.950% = 2.50%
    • $ 395/mth
    • Year 6+
    • MBR(OCBC) + 0.950% = 2.50%
    • $ 395/mth


2.35% (First year)


$ 387 (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 + 2.350% = 2.35%
    • $ 387/mth
    • Year 2
    • Board + 2.400% = 2.40%
    • $ 390/mth
    • Year 3
    • Board + 2.450% = 2.45%
    • $ 392/mth
    • Year 4
    • Board + 3.380% = 3.38%
    • $ 438/mth
    • Year 5
    • Board + 3.380% = 3.38%
    • $ 438/mth
    • Year 6+
    • Board + 3.380% = 3.38%
    • $ 438/mth


2.35% (First year)


$ 387 (First year)


2 years Lock-in Period
6M 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
    • 6M SIBOR + 0.350% = 2.35%
    • $ 387/mth
    • Year 2
    • 6M SIBOR + 0.400% = 2.40%
    • $ 390/mth
    • Year 3
    • 6M SIBOR + 0.500% = 2.50%
    • $ 395/mth
    • Year 4
    • 6M SIBOR + 0.600% = 2.60%
    • $ 400/mth
    • Year 5
    • 6M SIBOR + 0.600% = 2.60%
    • $ 400/mth
    • Year 6+
    • 6M SIBOR + 0.600% = 2.60%
    • $ 400/mth


2.35% (First year)


$ 387 (First year)


2 years Lock-in Period
6M SIBOR Rate Type

FEATURES

  • Partial payment allowed on review date

RATES AND PAYMENTS

    • Year 1
    • 6M SIBOR + 0.350% = 2.35%
    • $ 387/mth
    • Year 2
    • 6M SIBOR + 0.400% = 2.40%
    • $ 390/mth
    • Year 3
    • 6M SIBOR + 0.500% = 2.50%
    • $ 395/mth
    • Year 4
    • 6M SIBOR + 0.600% = 2.60%
    • $ 400/mth
    • Year 5
    • 6M SIBOR + 0.600% = 2.60%
    • $ 400/mth
    • Year 6+
    • 6M SIBOR + 0.600% = 2.60%
    • $ 400/mth


2.37% (First year)


$ 388 (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 + 2.370% = 2.37%
    • $ 388/mth
    • Year 2
    • Board + 2.410% = 2.41%
    • $ 390/mth
    • Year 3
    • Board + 2.450% = 2.45%
    • $ 392/mth
    • Year 4
    • Board + 3.380% = 3.38%
    • $ 438/mth
    • Year 5
    • Board + 3.380% = 3.38%
    • $ 438/mth
    • Year 6+
    • Board + 3.380% = 3.38%
    • $ 438/mth


2.38% (First year)


$ 389 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.38%
    • $ 389/mth
    • Year 2
    • Fixed Rate = 2.38%
    • $ 389/mth
    • Year 3
    • FHR8(DBS) + 1.430% = 2.38%
    • $ 389/mth
    • Year 4
    • FHR8(DBS) + 1.430% = 2.38%
    • $ 389/mth
    • Year 5
    • FHR8(DBS) + 1.430% = 2.38%
    • $ 389/mth
    • Year 6+
    • FHR8(DBS) + 1.430% = 2.38%
    • $ 389/mth


2.38% (First year)


$ 389 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.38%
    • $ 389/mth
    • Year 2
    • Fixed Rate = 2.38%
    • $ 389/mth
    • Year 3
    • FHR8(DBS) + 1.430% = 2.38%
    • $ 389/mth
    • Year 4
    • FHR8(DBS) + 1.430% = 2.38%
    • $ 389/mth
    • Year 5
    • FHR8(DBS) + 1.430% = 2.38%
    • $ 389/mth
    • Year 6+
    • FHR8(DBS) + 1.430% = 2.38%
    • $ 389/mth


2.38% (First year)


$ 389