RedBrick

Board

3 years

1.85% Interest Rate
(First year)

$ 362 Monthly Instalments
(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

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 1.850% = 1.85%
- Payment$ 362/mth
- Year 2
- Rate Board + 2.000% = 2.00%
- Payment$ 369/mth
- Year 3
- Rate Board + 2.100% = 2.10%
- Payment$ 374/mth
- Year 4
- Rate Board + 2.200% = 2.20%
- Payment$ 379/mth
- Year 5
- Rate Board + 2.700% = 2.70%
- Payment$ 401/mth
- Year 6+
- Rate Board + 4.600% = 4.60%
- Payment$ 491/mth

Fixed

2 years

1.88% Interest Rate
(First year)

$ 364 Monthly Instalments
(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

PERIOD
RATE
PAYMENT

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

1M SIBOR

2 years

1.93% Interest Rate
(First year)

$ 366 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

- For CitiPrivate Only

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.100% = 1.93%
- Payment$ 366/mth
- Year 2
- Rate 1M SIBOR + 0.200% = 2.03%
- Payment$ 371/mth
- Year 3
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth
- Year 4
- Rate 1M SIBOR + 0.550% = 2.38%
- Payment$ 387/mth
- Year 5
- Rate 1M SIBOR + 0.550% = 2.38%
- Payment$ 387/mth
- Year 6+
- Rate 1M SIBOR + 0.550% = 2.38%
- Payment$ 387/mth

1M SIBOR

2 years

1.93% Interest Rate
(First year)

$ 366 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

- For CitiPrivate Only

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.100% = 1.93%
- Payment$ 366/mth
- Year 2
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 373/mth
- Year 3
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth
- Year 4
- Rate 1M SIBOR + 0.550% = 2.38%
- Payment$ 387/mth
- Year 5
- Rate 1M SIBOR + 0.550% = 2.38%
- Payment$ 387/mth
- Year 6+
- Rate 1M SIBOR + 0.550% = 2.38%
- Payment$ 387/mth

Board

3 years

1.95% Interest Rate
(First year)

$ 367 Monthly Instalments
(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

PERIOD
RATE
PAYMENT

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

1M SIBOR

2 years

2.03% Interest Rate
(First year)

$ 371 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

- For CitiGold only

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.200% = 2.03%
- Payment$ 371/mth
- Year 2
- Rate 1M SIBOR + 0.200% = 2.03%
- Payment$ 371/mth
- Year 3
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 4
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 5
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 6+
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth

1M SIBOR

No Lock-in

2.03% Interest Rate
(First year)

$ 371 Monthly Instalments
(First year)

No Lock-in Lock-in Period

1M SIBOR Rate Type

FEATURES

- Saving account will earn 50% of home loan interest (interest offset)

- 1 Free Conversion within 6month from TOP

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.200% = 2.03%
- Payment$ 371/mth
- Year 2
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 373/mth
- Year 3
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 4
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 5
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 6+
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth

3M SIBOR

2 years

2.05% Interest Rate
(First year)

$ 372 Monthly Instalments
(First year)

2 years Lock-in Period

3M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

- For CitiPrivate Only

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.100% = 2.05%
- Payment$ 372/mth
- Year 2
- Rate 3M SIBOR + 0.150% = 2.10%
- Payment$ 375/mth
- Year 3
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 384/mth
- Year 4
- Rate 3M SIBOR + 0.550% = 2.50%
- Payment$ 394/mth
- Year 5
- Rate 3M SIBOR + 0.550% = 2.50%
- Payment$ 394/mth
- Year 6+
- Rate 3M SIBOR + 0.550% = 2.50%
- Payment$ 394/mth

Board

3 years

2.05% Interest Rate
(First year)

$ 372 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

1M SIBOR

2 years

2.08% Interest Rate
(First year)

$ 374 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

-

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 2
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 3
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 4
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 5
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 6+
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth

1M SIBOR

2 years

2.08% Interest Rate
(First year)

$ 374 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

-

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 2
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 3
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 4
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 5
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 6+
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth

1M SIBOR

2 years

2.08% Interest Rate
(First year)

$ 374 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

- For CitiPrivate Only

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 2
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 3
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth
- Year 4
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth
- Year 5
- Rate 1M SIBOR + 0.550% = 2.38%
- Payment$ 387/mth
- Year 6+
- Rate 1M SIBOR + 0.550% = 2.38%
- Payment$ 387/mth

1M SIBOR

2 years

2.08% Interest Rate
(First year)

$ 374 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

- For CitiGold only

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 2
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 3
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 4
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 5
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 6+
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth

1M SIBOR

2 years

2.08% Interest Rate
(First year)

$ 374 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 2
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 3
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 4
- Rate 1M SIBOR + 0.650% = 2.48%
- Payment$ 392/mth
- Year 5
- Rate 1M SIBOR + 0.650% = 2.48%
- Payment$ 392/mth
- Year 6+
- Rate 1M SIBOR + 0.650% = 2.48%
- Payment$ 392/mth

1M SIBOR

No Lock-in

2.08% Interest Rate
(First year)

$ 374 Monthly Instalments
(First year)

No Lock-in Lock-in Period

1M SIBOR Rate Type

FEATURES

- Saving account will earn 50% of home loan interest (interest offset)

- 1 Free Conversion within 6month from TOP

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 2
- Rate 1M SIBOR + 0.250% = 2.08%
- Payment$ 374/mth
- Year 3
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 383/mth
- Year 4
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 5
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 6+
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth

Board

3 years

2.08% Interest Rate
(First year)

$ 374 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

Board

3 years

2.08% Interest Rate
(First year)

$ 374 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

For Owners Occupation

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

Board

2 years

2.08% Interest Rate
(First year)

$ 374 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

For Owners Occupation

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

Board

3 years

2.08% Interest Rate
(First year)

$ 374 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

Board

2 years

2.08% Interest Rate
(First year)

$ 374 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

FDR36(SCB)

No Lock-in

2.10% Interest Rate
(First year)

$ 375 Monthly Instalments
(First year)

No Lock-in Lock-in Period

FDR36(SCB) Rate Type

FEATURES

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 0.880% = 2.10%
- Payment$ 375/mth
- Year 2
- Rate FDR36(SCB) + 0.880% = 2.10%
- Payment$ 375/mth
- Year 3
- Rate FDR36(SCB) + 0.880% = 2.10%
- Payment$ 375/mth
- Year 4
- Rate FDR36(SCB) + 0.880% = 2.10%
- Payment$ 375/mth
- Year 5
- Rate FDR36(SCB) + 0.880% = 2.10%
- Payment$ 375/mth
- Year 6+
- Rate FDR36(SCB) + 0.880% = 2.10%
- Payment$ 375/mth

Board

2 years

2.10% Interest Rate
(First year)

$ 375 Monthly Instalments
(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

PERIOD
RATE
PAYMENT

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

Board

2 years

2.10% Interest Rate
(First year)

$ 375 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

Equity loan only

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

Board

3 years

2.12% Interest Rate
(First year)

$ 376 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

1M SIBOR

2 years

2.13% Interest Rate
(First year)

$ 376 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.300% = 2.13%
- Payment$ 376/mth
- Year 2
- Rate 1M SIBOR + 0.300% = 2.13%
- Payment$ 376/mth
- Year 3
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth
- Year 4
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth
- Year 5
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth
- Year 6+
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth

1M SIBOR

No Lock-in

2.13% Interest Rate
(First year)

$ 376 Monthly Instalments
(First year)

No Lock-in Lock-in Period

1M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.300% = 2.13%
- Payment$ 376/mth
- Year 2
- Rate 1M SIBOR + 0.300% = 2.13%
- Payment$ 376/mth
- Year 3
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth
- Year 4
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth
- Year 5
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth
- Year 6+
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 378/mth

1M SIBOR

2 years

2.13% Interest Rate
(First year)

$ 376 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

- For CitiGold only

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.300% = 2.13%
- Payment$ 376/mth
- Year 2
- Rate 1M SIBOR + 0.300% = 2.13%
- Payment$ 376/mth
- Year 3
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 4
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 5
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth
- Year 6+
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 390/mth

1M SIBOR

2 years

2.13% Interest Rate
(First year)

$ 376 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.300% = 2.13%
- Payment$ 376/mth
- Year 2
- Rate 1M SIBOR + 0.300% = 2.13%
- Payment$ 376/mth
- Year 3
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 4
- Rate 1M SIBOR + 0.650% = 2.48%
- Payment$ 393/mth
- Year 5
- Rate 1M SIBOR + 0.650% = 2.48%
- Payment$ 393/mth
- Year 6+
- Rate 1M SIBOR + 0.650% = 2.48%
- Payment$ 393/mth

FDR36(SCB)

2 years

2.15% Interest Rate
(First year)

$ 377 Monthly Instalments
(First year)

2 years Lock-in Period

FDR36(SCB) Rate Type

FEATURES

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 2
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 3
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 4
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 5
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 6+
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth

FDR36(SCB)

No Lock-in

2.15% Interest Rate
(First year)

$ 377 Monthly Instalments
(First year)

No Lock-in Lock-in Period

FDR36(SCB) Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 2
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 3
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 4
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 5
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 6+
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth

FDR36(SCB)

No Lock-in

2.15% Interest Rate
(First year)

$ 377 Monthly Instalments
(First year)

No Lock-in Lock-in Period

FDR36(SCB) Rate Type

FEATURES

Interest Offset Feature

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 2
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 3
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 4
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 5
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth
- Year 6+
- Rate FDR36(SCB) + 0.930% = 2.15%
- Payment$ 377/mth

Board

3 years

2.15% Interest Rate
(First year)

$ 377 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

Board

2 years

2.15% Interest Rate
(First year)

$ 377 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

1M SIBOR

2 years

2.18% Interest Rate
(First year)

$ 379 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 2
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 3
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 4
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 5
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 6+
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth

1M SIBOR

No Lock-in

2.18% Interest Rate
(First year)

$ 379 Monthly Instalments
(First year)

No Lock-in Lock-in Period

1M SIBOR Rate Type

FEATURES

Partial payment allowed on review date

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 2
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 3
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 4
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 5
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 385/mth
- Year 6+
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 385/mth

1M SIBOR

2 years

2.18% Interest Rate
(First year)

$ 379 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 2
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 3
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 383/mth
- Year 4
- Rate 1M SIBOR + 0.650% = 2.48%
- Payment$ 393/mth
- Year 5
- Rate 1M SIBOR + 0.650% = 2.48%
- Payment$ 393/mth
- Year 6+
- Rate 1M SIBOR + 0.650% = 2.48%
- Payment$ 393/mth

1M SIBOR

2 years

2.18% Interest Rate
(First year)

$ 379 Monthly Instalments
(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

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 2
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 3
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 386/mth
- Year 4
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 391/mth
- Year 5
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 391/mth
- Year 6+
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 391/mth

1M SIBOR

2 years

2.18% Interest Rate
(First year)

$ 379 Monthly Instalments
(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

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.350% = 2.18%
- Payment$ 379/mth
- Year 2
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 3
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 386/mth
- Year 4
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 391/mth
- Year 5
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 391/mth
- Year 6+
- Rate 1M SIBOR + 0.600% = 2.43%
- Payment$ 391/mth

Board

2 years

2.18% Interest Rate
(First year)

$ 379 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

Board

3 years

2.18% Interest Rate
(First year)

$ 379 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

Facility Fee: $1,000

valid till 30th October 2018

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.180% = 2.18%
- Payment$ 379/mth
- Year 2
- Rate Board + 2.280% = 2.28%
- Payment$ 384/mth
- Year 3
- Rate Board + 2.680% = 2.68%
- Payment$ 403/mth
- Year 4
- Rate Board + 6.000% = 6.00%
- Payment$ 580/mth
- Year 5
- Rate Board + 6.000% = 6.00%
- Payment$ 580/mth
- Year 6+
- Rate Board + 6.000% = 6.00%
- Payment$ 580/mth

Board

3 years

2.18% Interest Rate
(First year)

$ 379 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

Owners Occupation

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

Board

2 years

2.18% Interest Rate
(First year)

$ 379 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

No Valuation Subsidy

Processing Fee $800

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.180% = 2.18%
- Payment$ 379/mth
- Year 2
- Rate Board + 2.480% = 2.48%
- Payment$ 394/mth
- Year 3
- Rate Board + 2.880% = 2.88%
- Payment$ 413/mth
- Year 4
- Rate Board + 4.680% = 4.68%
- Payment$ 506/mth
- Year 5
- Rate Board + 4.680% = 4.68%
- Payment$ 506/mth
- Year 6+
- Rate Board + 4.680% = 4.68%
- Payment$ 506/mth

Board

2 years

2.18% Interest Rate
(First year)

$ 379 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

Owners Occupation

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

FDR36(SCB)

2 years

2.20% Interest Rate
(First year)

$ 380 Monthly Instalments
(First year)

2 years Lock-in Period

FDR36(SCB) Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 2
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 3
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 4
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 5
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 6+
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth

FDR36(SCB)

2 years

2.20% Interest Rate
(First year)

$ 380 Monthly Instalments
(First year)

2 years Lock-in Period

FDR36(SCB) Rate Type

FEATURES

Interest Offset Feature

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 2
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 3
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 4
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 5
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 6+
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth

FDR36(SCB)

2 years

2.20% Interest Rate
(First year)

$ 380 Monthly Instalments
(First year)

2 years Lock-in Period

FDR36(SCB) Rate Type

FEATURES

Interest Offset Feature

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 2
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 3
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 4
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 5
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 6+
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth

FDR36(SCB)

No Lock-in

2.20% Interest Rate
(First year)

$ 380 Monthly Instalments
(First year)

No Lock-in Lock-in Period

FDR36(SCB) Rate Type

FEATURES

HDB Max Tenure 30yrs

Interest offset only for private property

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 2
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 3
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 4
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 5
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth
- Year 6+
- Rate FDR36(SCB) + 0.980% = 2.20%
- Payment$ 380/mth

3M SIBOR

No Lock-in

2.20% Interest Rate
(First year)

$ 380 Monthly Instalments
(First year)

No Lock-in Lock-in Period

3M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.250% = 2.20%
- Payment$ 380/mth
- Year 2
- Rate 3M SIBOR + 0.250% = 2.20%
- Payment$ 380/mth
- Year 3
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 4
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 5
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 6+
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth

3M SIBOR

2 years

2.20% Interest Rate
(First year)

$ 380 Monthly Instalments
(First year)

2 years Lock-in Period

3M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.250% = 2.20%
- Payment$ 380/mth
- Year 2
- Rate 3M SIBOR + 0.250% = 2.20%
- Payment$ 380/mth
- Year 3
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 4
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 5
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 6+
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth

3M SIBOR

2 years

2.20% Interest Rate
(First year)

$ 380 Monthly Instalments
(First year)

2 years Lock-in Period

3M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

- For CitiPrivate Only

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.250% = 2.20%
- Payment$ 380/mth
- Year 2
- Rate 3M SIBOR + 0.250% = 2.20%
- Payment$ 380/mth
- Year 3
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 384/mth
- Year 4
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 384/mth
- Year 5
- Rate 3M SIBOR + 0.550% = 2.50%
- Payment$ 394/mth
- Year 6+
- Rate 3M SIBOR + 0.550% = 2.50%
- Payment$ 394/mth

3M SIBOR

2 years

2.20% Interest Rate
(First year)

$ 380 Monthly Instalments
(First year)

2 years Lock-in Period

3M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

- For CitiGold only

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.250% = 2.20%
- Payment$ 380/mth
- Year 2
- Rate 3M SIBOR + 0.250% = 2.20%
- Payment$ 380/mth
- Year 3
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 4
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 396/mth
- Year 5
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 396/mth
- Year 6+
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 396/mth

3M SIBOR

No Lock-in

2.20% Interest Rate
(First year)

$ 380 Monthly Instalments
(First year)

No Lock-in Lock-in Period

3M SIBOR Rate Type

FEATURES

- Saving account will earn 50% of home loan interest (interest offset)

- 1 Free Conversion within 6month from TOP

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.250% = 2.20%
- Payment$ 380/mth
- Year 2
- Rate 3M SIBOR + 0.250% = 2.20%
- Payment$ 380/mth
- Year 3
- Rate 3M SIBOR + 0.450% = 2.40%
- Payment$ 389/mth
- Year 4
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 396/mth
- Year 5
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 396/mth
- Year 6+
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 396/mth

Board

2 years

2.22% Interest Rate
(First year)

$ 381 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

1M SIBOR

1 year

2.23% Interest Rate
(First year)

$ 381 Monthly Instalments
(First year)

1 year Lock-in Period

1M SIBOR Rate Type

FEATURES

- Maximum loan tenure for HDB is 30 years.

- HDB Min Loan $80,000

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 2
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 3
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 4
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 5
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 6+
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth

1M SIBOR

No Lock-in

2.23% Interest Rate
(First year)

$ 381 Monthly Instalments
(First year)

No Lock-in Lock-in Period

1M SIBOR Rate Type

FEATURES

- Maximum loan tenure for HDB is 30 years.

- HDB Min Loan $80,000

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 2
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 3
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 4
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 5
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 6+
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth

1M SIBOR

No Lock-in

2.23% Interest Rate
(First year)

$ 381 Monthly Instalments
(First year)

No Lock-in Lock-in Period

1M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

Interest offset only for private property

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 2
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 3
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 386/mth
- Year 4
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 386/mth
- Year 5
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 386/mth
- Year 6+
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 386/mth

1M SIBOR

2 years

2.23% Interest Rate
(First year)

$ 381 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

Interest offset only for private property

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 2
- Rate 1M SIBOR + 0.400% = 2.23%
- Payment$ 381/mth
- Year 3
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 386/mth
- Year 4
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 386/mth
- Year 5
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 386/mth
- Year 6+
- Rate 1M SIBOR + 0.500% = 2.33%
- Payment$ 386/mth

FDR36(SCB)

2 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

2 years Lock-in Period

FDR36(SCB) Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 3
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 4
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 5
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 6+
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth

FDR36(SCB)

No Lock-in

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

No Lock-in Lock-in Period

FDR36(SCB) Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 3
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 4
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 5
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 6+
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth

3M SIBOR

No Lock-in

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

No Lock-in Lock-in Period

3M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 3
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 4
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 5
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 6+
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth

3M SIBOR

2 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

2 years Lock-in Period

3M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 3
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 4
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 5
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 6+
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth

FDR36(SCB)

2 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

2 years Lock-in Period

FDR36(SCB) Rate Type

FEATURES

HDB Max Tenure 30yrs

Interest offset only for private property

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 3
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 4
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 5
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth
- Year 6+
- Rate FDR36(SCB) + 1.030% = 2.25%
- Payment$ 382/mth

3M SIBOR

No Lock-in

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

No Lock-in Lock-in Period

3M SIBOR Rate Type

FEATURES

Partial payment allowed on review date

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 3
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 385/mth
- Year 4
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 5
- Rate 3M SIBOR + 0.500% = 2.45%
- Payment$ 392/mth
- Year 6+
- Rate 3M SIBOR + 0.500% = 2.45%
- Payment$ 392/mth

3M SIBOR

No Lock-in

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

No Lock-in Lock-in Period

3M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

Interest offset only for private property

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 3
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 4
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 5
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 6+
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth

3M SIBOR

2 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

2 years Lock-in Period

3M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

Interest offset only for private property

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 3
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 4
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 5
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 6+
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth

3M SIBOR

2 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

2 years Lock-in Period

3M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

- For CitiGold only

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 3
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 4
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 396/mth
- Year 5
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 396/mth
- Year 6+
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 396/mth

3M SIBOR

2 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

2 years Lock-in Period

3M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 3
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 4
- Rate 3M SIBOR + 0.650% = 2.60%
- Payment$ 399/mth
- Year 5
- Rate 3M SIBOR + 0.650% = 2.60%
- Payment$ 399/mth
- Year 6+
- Rate 3M SIBOR + 0.650% = 2.60%
- Payment$ 399/mth

Board

3 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.250% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate Board + 2.300% = 2.30%
- Payment$ 385/mth
- Year 3
- Rate Board + 2.350% = 2.35%
- Payment$ 387/mth
- Year 4
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth
- Year 5
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth
- Year 6+
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth

3M SIBOR

2 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(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

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 3
- Rate 3M SIBOR + 0.500% = 2.45%
- Payment$ 392/mth
- Year 4
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 397/mth
- Year 5
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 397/mth
- Year 6+
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 397/mth

3M SIBOR

2 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(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

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.300% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate 3M SIBOR + 0.400% = 2.35%
- Payment$ 387/mth
- Year 3
- Rate 3M SIBOR + 0.500% = 2.45%
- Payment$ 392/mth
- Year 4
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 397/mth
- Year 5
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 397/mth
- Year 6+
- Rate 3M SIBOR + 0.600% = 2.55%
- Payment$ 397/mth

Board

2 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.250% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate Board + 2.350% = 2.35%
- Payment$ 387/mth
- Year 3
- Rate Board + 2.450% = 2.45%
- Payment$ 392/mth
- Year 4
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth
- Year 5
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth
- Year 6+
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth

Board

3 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

For Investment Purposes

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.250% = 2.25%
- Payment$ 382/mth
- Year 2
- Rate Board + 2.500% = 2.50%
- Payment$ 395/mth
- Year 3
- Rate Board + 3.000% = 3.00%
- Payment$ 420/mth
- Year 4
- Rate Board + 3.750% = 3.75%
- Payment$ 457/mth
- Year 5
- Rate Board + 3.750% = 3.75%
- Payment$ 457/mth
- Year 6+
- Rate Board + 3.750% = 3.75%
- Payment$ 457/mth

Board

2 years

2.25% Interest Rate
(First year)

$ 382 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

For Investment Purposes

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

Board

3 years

2.27% Interest Rate
(First year)

$ 383 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.270% = 2.27%
- Payment$ 383/mth
- Year 2
- Rate Board + 2.310% = 2.31%
- Payment$ 385/mth
- Year 3
- Rate Board + 2.350% = 2.35%
- Payment$ 387/mth
- Year 4
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth
- Year 5
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth
- Year 6+
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth

1M SIBOR

No Lock-in

2.28% Interest Rate
(First year)

$ 384 Monthly Instalments
(First year)

No Lock-in Lock-in Period

1M SIBOR Rate Type

FEATURES

Maximum loan tenure for HDB is 30 years

For HSCB Premier Customer

SmartMortgage (Interest Offset)

1 X Free conversion after disbursement

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 2
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 3
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 4
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 5
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 6+
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth

1M SIBOR

2 years

2.28% Interest Rate
(First year)

$ 384 Monthly Instalments
(First year)

2 years Lock-in Period

1M SIBOR Rate Type

FEATURES

Maximum loan tenure for HDB is 30 years

For HSCB Premier Customer

SmartMortgage (Interest Offset)

1 X Free conversion after disbursement

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 2
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 3
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 4
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 5
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth
- Year 6+
- Rate 1M SIBOR + 0.450% = 2.28%
- Payment$ 384/mth

Board

2 years

2.28% Interest Rate
(First year)

$ 384 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.280% = 2.28%
- Payment$ 384/mth
- Year 2
- Rate Board + 2.280% = 2.28%
- Payment$ 384/mth
- Year 3
- Rate Board + 2.800% = 2.80%
- Payment$ 409/mth
- Year 4
- Rate Board + 3.000% = 3.00%
- Payment$ 419/mth
- Year 5
- Rate Board + 3.000% = 3.00%
- Payment$ 419/mth
- Year 6+
- Rate Board + 3.000% = 3.00%
- Payment$ 419/mth

Board

2 years

2.28% Interest Rate
(First year)

$ 384 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

Interest rate: RG 1 - RG5

( Subject to profile of company)

LTV < 80%

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.280% = 2.28%
- Payment$ 384/mth
- Year 2
- Rate Board + 2.280% = 2.28%
- Payment$ 384/mth
- Year 3
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 4
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 5
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 6+
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth

Board

2 years

2.28% Interest Rate
(First year)

$ 384 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.280% = 2.28%
- Payment$ 384/mth
- Year 2
- Rate Board + 2.280% = 2.28%
- Payment$ 384/mth
- Year 3
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 4
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 5
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 6+
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth

Board

2 years

2.28% Interest Rate
(First year)

$ 384 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

Interest rate: RG 1 - RG5

( Subject to profile of company)

LTV < 80%

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.280% = 2.28%
- Payment$ 384/mth
- Year 2
- Rate Board + 2.280% = 2.28%
- Payment$ 384/mth
- Year 3
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 4
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 5
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 6+
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth

Board

2 years

2.28% Interest Rate
(First year)

$ 384 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

Interest rate: RG 1 - 3 ( Subject to profile of company)

LTV 80% ~ 90%

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.280% = 2.28%
- Payment$ 384/mth
- Year 2
- Rate Board + 2.280% = 2.28%
- Payment$ 384/mth
- Year 3
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 4
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 5
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth
- Year 6+
- Rate Board + 4.880% = 4.88%
- Payment$ 520/mth

6M SIBOR

No Lock-in

2.29% Interest Rate
(First year)

$ 384 Monthly Instalments
(First year)

No Lock-in Lock-in Period

6M SIBOR Rate Type

FEATURES

Partial payment allowed on review date

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 6M SIBOR + 0.350% = 2.29%
- Payment$ 384/mth
- Year 2
- Rate 6M SIBOR + 0.350% = 2.29%
- Payment$ 384/mth
- Year 3
- Rate 6M SIBOR + 0.350% = 2.29%
- Payment$ 384/mth
- Year 4
- Rate 6M SIBOR + 0.400% = 2.34%
- Payment$ 387/mth
- Year 5
- Rate 6M SIBOR + 0.500% = 2.44%
- Payment$ 391/mth
- Year 6+
- Rate 6M SIBOR + 0.500% = 2.44%
- Payment$ 391/mth

MR(UOB)

No Lock-in

2.30% Interest Rate
(First year)

$ 385 Monthly Instalments
(First year)

No Lock-in Lock-in Period

MR(UOB) Rate Type

FEATURES

- Maximum loan tenure for HDB is 30 years.

- HDB Min Loan $80,000

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate MR(UOB) + 1.450% = 2.30%
- Payment$ 385/mth
- Year 2
- Rate MR(UOB) + 1.450% = 2.30%
- Payment$ 385/mth
- Year 3
- Rate MR(UOB) + 1.450% = 2.30%
- Payment$ 385/mth
- Year 4
- Rate MR(UOB) + 1.450% = 2.30%
- Payment$ 385/mth
- Year 5
- Rate MR(UOB) + 1.450% = 2.30%
- Payment$ 385/mth
- Year 6+
- Rate MR(UOB) + 1.450% = 2.30%
- Payment$ 385/mth

MBR(OCBC)

No Lock-in

2.30% Interest Rate
(First year)

$ 385 Monthly Instalments
(First year)

No Lock-in Lock-in Period

MBR(OCBC) Rate Type

FEATURES

Partial payment allowed on review date

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate MBR(OCBC) + 0.750% = 2.30%
- Payment$ 385/mth
- Year 2
- Rate MBR(OCBC) + 0.750% = 2.30%
- Payment$ 385/mth
- Year 3
- Rate MBR(OCBC) + 0.750% = 2.30%
- Payment$ 385/mth
- Year 4
- Rate MBR(OCBC) + 0.750% = 2.30%
- Payment$ 385/mth
- Year 5
- Rate MBR(OCBC) + 0.750% = 2.30%
- Payment$ 385/mth
- Year 6+
- Rate MBR(OCBC) + 0.750% = 2.30%
- Payment$ 385/mth

FDR36(SCB)

2 years

2.30% Interest Rate
(First year)

$ 385 Monthly Instalments
(First year)

2 years Lock-in Period

FDR36(SCB) Rate Type

FEATURES

HDB Max Tenure 30yrs

Interest offset only for private property

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth
- Year 2
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth
- Year 3
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth
- Year 4
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth
- Year 5
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth
- Year 6+
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth

3M SIBOR

No Lock-in

2.30% Interest Rate
(First year)

$ 385 Monthly Instalments
(First year)

No Lock-in Lock-in Period

3M SIBOR Rate Type

FEATURES

HDB Max Tenure 30yrs

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 385/mth
- Year 2
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 385/mth
- Year 3
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 385/mth
- Year 4
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 385/mth
- Year 5
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 385/mth
- Year 6+
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 385/mth

FDR36(SCB)

No Lock-in

2.30% Interest Rate
(First year)

$ 385 Monthly Instalments
(First year)

No Lock-in Lock-in Period

FDR36(SCB) Rate Type

FEATURES

HDB Max Tenure 30yrs

Interest offset only for private property

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth
- Year 2
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth
- Year 3
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth
- Year 4
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth
- Year 5
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth
- Year 6+
- Rate FDR36(SCB) + 1.080% = 2.30%
- Payment$ 385/mth

Board

No Lock-in

2.30% Interest Rate
(First year)

$ 385 Monthly Instalments
(First year)

No Lock-in Lock-in Period

Board Rate Type

FEATURES

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.300% = 2.30%
- Payment$ 385/mth
- Year 2
- Rate Board + 2.300% = 2.30%
- Payment$ 385/mth
- Year 3
- Rate Board + 2.300% = 2.30%
- Payment$ 385/mth
- Year 4
- Rate Board + 2.300% = 2.30%
- Payment$ 385/mth
- Year 5
- Rate Board + 2.300% = 2.30%
- Payment$ 385/mth
- Year 6+
- Rate Board + 2.300% = 2.30%
- Payment$ 385/mth

MBR(OCBC)

2 years

2.30% Interest Rate
(First year)

$ 385 Monthly Instalments
(First year)

2 years Lock-in Period

MBR(OCBC) Rate Type

FEATURES

Free Conversion if MBR increase

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

MBR(OCBC)

2 years

2.30% Interest Rate
(First year)

$ 385 Monthly Instalments
(First year)

2 years Lock-in Period

MBR(OCBC) Rate Type

FEATURES

Free Conversion if MBR increase

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

Board

2 years

2.30% Interest Rate
(First year)

$ 385 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.300% = 2.30%
- Payment$ 385/mth
- Year 2
- Rate Board + 2.300% = 2.30%
- Payment$ 385/mth
- Year 3
- Rate Board + 2.300% = 2.30%
- Payment$ 385/mth
- Year 4
- Rate Board + 2.580% = 2.58%
- Payment$ 398/mth
- Year 5
- Rate Board + 2.580% = 2.58%
- Payment$ 398/mth
- Year 6+
- Rate Board + 2.580% = 2.58%
- Payment$ 398/mth

3M SIBOR

2 years

2.30% Interest Rate
(First year)

$ 385 Monthly Instalments
(First year)

2 years Lock-in Period

3M SIBOR Rate Type

FEATURES

- One time free repricing

- Saving account earn 50% of home loan interest (interest offset)

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 385/mth
- Year 2
- Rate 3M SIBOR + 0.350% = 2.30%
- Payment$ 385/mth
- Year 3
- Rate 3M SIBOR + 0.450% = 2.40%
- Payment$ 390/mth
- Year 4
- Rate 3M SIBOR + 0.650% = 2.60%
- Payment$ 399/mth
- Year 5
- Rate 3M SIBOR + 0.650% = 2.60%
- Payment$ 399/mth
- Year 6+
- Rate 3M SIBOR + 0.650% = 2.60%
- Payment$ 399/mth

Board

3 years

2.30% Interest Rate
(First year)

$ 385 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.300% = 2.30%
- Payment$ 385/mth
- Year 2
- Rate Board + 2.340% = 2.34%
- Payment$ 387/mth
- Year 3
- Rate Board + 2.380% = 2.38%
- Payment$ 389/mth
- Year 4
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth
- Year 5
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth
- Year 6+
- Rate Board + 3.380% = 3.38%
- Payment$ 437/mth

Board

3 years

2.33% Interest Rate
(First year)

$ 386 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

CFR currently at 6.25%

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.330% = 2.33%
- Payment$ 386/mth
- Year 2
- Rate Board + 2.330% = 2.33%
- Payment$ 386/mth
- Year 3
- Rate Board + 2.530% = 2.53%
- Payment$ 396/mth
- Year 4
- Rate 3M SIBOR + 2.800% = 4.75%
- Payment$ 509/mth
- Year 5
- Rate 3M SIBOR + 2.800% = 4.75%
- Payment$ 509/mth
- Year 6+
- Rate 3M SIBOR + 2.800% = 4.75%
- Payment$ 509/mth

FHR8(DBS)

2 years

2.35% Interest Rate
(First year)

$ 387 Monthly Instalments
(First year)

2 years Lock-in Period

FHR8(DBS) Rate Type

FEATURES

Maximum loan tenure for HDB is 30 years.

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

FHR8(DBS)

No Lock-in

2.35% Interest Rate
(First year)

$ 387 Monthly Instalments
(First year)

No Lock-in Lock-in Period

FHR8(DBS) Rate Type

FEATURES

Maximum loan tenure for HDB is 30 years.

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

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

Board

2 years

2.35% Interest Rate
(First year)

$ 387 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.350% = 2.35%
- Payment$ 387/mth
- Year 2
- Rate Board + 2.400% = 2.40%
- Payment$ 390/mth
- Year 3
- Rate Board + 2.450% = 2.45%
- Payment$ 392/mth
- Year 4
- Rate Board + 3.380% = 3.38%
- Payment$ 438/mth
- Year 5
- Rate Board + 3.380% = 3.38%
- Payment$ 438/mth
- Year 6+
- Rate Board + 3.380% = 3.38%
- Payment$ 438/mth

Board

2 years

2.37% Interest Rate
(First year)

$ 388 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.370% = 2.37%
- Payment$ 388/mth
- Year 2
- Rate Board + 2.410% = 2.41%
- Payment$ 390/mth
- Year 3
- Rate Board + 2.450% = 2.45%
- Payment$ 392/mth
- Year 4
- Rate Board + 3.380% = 3.38%
- Payment$ 438/mth
- Year 5
- Rate Board + 3.380% = 3.38%
- Payment$ 438/mth
- Year 6+
- Rate Board + 3.380% = 3.38%
- Payment$ 438/mth

MR(UOB)

2 years

2.38% Interest Rate
(First year)

$ 389 Monthly Instalments
(First year)

2 years Lock-in Period

MR(UOB) Rate Type

FEATURES

- Maximum loan tenure for HDB is 30 years.

- HDB Min Loan $80,000

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate MR(UOB) + 1.530% = 2.38%
- Payment$ 389/mth
- Year 2
- Rate MR(UOB) + 1.530% = 2.38%
- Payment$ 389/mth
- Year 3
- Rate MR(UOB) + 1.530% = 2.38%
- Payment$ 389/mth
- Year 4
- Rate MR(UOB) + 1.650% = 2.50%
- Payment$ 395/mth
- Year 5
- Rate MR(UOB) + 1.650% = 2.50%
- Payment$ 395/mth
- Year 6+
- Rate MR(UOB) + 1.650% = 2.50%
- Payment$ 395/mth

Board

3 years

2.38% Interest Rate
(First year)

$ 389 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

For own business use

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.380% = 2.38%
- Payment$ 389/mth
- Year 2
- Rate Board + 2.380% = 2.38%
- Payment$ 389/mth
- Year 3
- Rate Board + 2.480% = 2.48%
- Payment$ 394/mth
- Year 4
- Rate Board + 6.500% = 6.50%
- Payment$ 609/mth
- Year 5
- Rate Board + 6.500% = 6.50%
- Payment$ 609/mth
- Year 6+
- Rate Board + 6.500% = 6.50%
- Payment$ 609/mth

Board

2 years

2.38% Interest Rate
(First year)

$ 389 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

Facility Fee: $1,000

valid till 30th October 2018

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.380% = 2.38%
- Payment$ 389/mth
- Year 2
- Rate Board + 2.380% = 2.38%
- Payment$ 389/mth
- Year 3
- Rate Board + 3.380% = 3.38%
- Payment$ 439/mth
- Year 4
- Rate Board + 6.000% = 6.00%
- Payment$ 582/mth
- Year 5
- Rate Board + 6.000% = 6.00%
- Payment$ 582/mth
- Year 6+
- Rate Board + 6.000% = 6.00%
- Payment$ 582/mth

Fixed

2 years

2.38% Interest Rate
(First year)

$ 389 Monthly Instalments
(First year)

2 years Lock-in Period

Fixed Rate Type

FEATURES

Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Fixed Rate = 2.38%
- Payment$ 389/mth
- Year 2
- Rate Fixed Rate = 2.48%
- Payment$ 394/mth
- Year 3
- Rate Board + 2.580% = 2.58%
- Payment$ 399/mth
- Year 4
- Rate Board + 3.000% = 3.00%
- Payment$ 419/mth
- Year 5
- Rate Board + 3.000% = 3.00%
- Payment$ 419/mth
- Year 6+
- Rate Board + 3.000% = 3.00%
- Payment$ 419/mth

Fixed

3 years

2.38% Interest Rate
(First year)

$ 389 Monthly Instalments
(First year)

3 years Lock-in Period

Fixed Rate Type

FEATURES

Max loan at $2m

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Fixed Rate = 2.38%
- Payment$ 389/mth
- Year 2
- Rate Fixed Rate = 2.48%
- Payment$ 394/mth
- Year 3
- Rate Fixed Rate = 2.78%
- Payment$ 409/mth
- Year 4
- Rate 3M SIBOR + 2.800% = 4.75%
- Payment$ 510/mth
- Year 5
- Rate 3M SIBOR + 2.800% = 4.75%
- Payment$ 510/mth
- Year 6+
- Rate 3M SIBOR + 2.800% = 4.75%
- Payment$ 510/mth

Board

3 years

2.38% Interest Rate
(First year)

$ 389 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

Facility Fee: $1,600

valid till 31 October 2018

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.380% = 2.38%
- Payment$ 389/mth
- Year 2
- Rate Board + 2.480% = 2.48%
- Payment$ 394/mth
- Year 3
- Rate Board + 2.880% = 2.88%
- Payment$ 414/mth
- Year 4
- Rate Board + 6.000% = 6.00%
- Payment$ 581/mth
- Year 5
- Rate Board + 6.000% = 6.00%
- Payment$ 581/mth
- Year 6+
- Rate Board + 6.000% = 6.00%
- Payment$ 581/mth

Board

3 years

2.38% Interest Rate
(First year)

$ 389 Monthly Instalments
(First year)

3 years Lock-in Period

Board Rate Type

FEATURES

Investment Purpose

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.380% = 2.38%
- Payment$ 389/mth
- Year 2
- Rate Board + 2.580% = 2.58%
- Payment$ 399/mth
- Year 3
- Rate Board + 2.880% = 2.88%
- Payment$ 414/mth
- Year 4
- Rate Board + 3.750% = 3.75%
- Payment$ 458/mth
- Year 5
- Rate Board + 3.750% = 3.75%
- Payment$ 458/mth
- Year 6+
- Rate Board + 3.750% = 3.75%
- Payment$ 458/mth

Board

2 years

2.38% Interest Rate
(First year)

$ 389 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

Investment Purpose

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.380% = 2.38%
- Payment$ 389/mth
- Year 2
- Rate Board + 2.680% = 2.68%
- Payment$ 404/mth
- Year 3
- Rate Board + 3.750% = 3.75%
- Payment$ 459/mth
- Year 4
- Rate Board + 3.750% = 3.75%
- Payment$ 459/mth
- Year 5
- Rate Board + 3.750% = 3.75%
- Payment$ 459/mth
- Year 6+
- Rate Board + 3.750% = 3.75%
- Payment$ 459/mth

Board

2 years

2.40% Interest Rate
(First year)

$ 390 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

No partial payment penalty for 1st 20% of loan

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.400% = 2.40%
- Payment$ 390/mth
- Year 2
- Rate Board + 2.440% = 2.44%
- Payment$ 392/mth
- Year 3
- Rate Board + 2.480% = 2.48%
- Payment$ 394/mth
- Year 4
- Rate Board + 3.380% = 3.38%
- Payment$ 438/mth
- Year 5
- Rate Board + 3.380% = 3.38%
- Payment$ 438/mth
- Year 6+
- Rate Board + 3.380% = 3.38%
- Payment$ 438/mth

Board

2 years

2.43% Interest Rate
(First year)

$ 391 Monthly Instalments
(First year)

2 years Lock-in Period

Board Rate Type

FEATURES

CFR currently at 6.25%

RATES AND PAYMENTS

PERIOD
RATE
PAYMENT

- Year 1
- Rate Board + 2.430% = 2.43%
- Payment$ 391/mth
- Year 2
- Rate Board + 2.430% = 2.43%
- Payment$ 391/mth
- Year 3
- Rate Board + 3.950% = 3.95%
- Payment$ 470/mth
- Year 4
- Rate 3M SIBOR + 2.800% = 4.75%
- Payment$ 512/mth
- Year 5
- Rate 3M SIBOR + 2.800% = 4.75%
- Payment$ 512/mth
- Year 6+
- Rate 3M SIBOR + 2.800% = 4.75%
- Payment$ 512/mth