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Two-In-One Home Loan
Enjoy the best of both fixed and floating rate packages in one loan
Customise your home loan according to your needs
Finance the home of your dreams with Two-in-one Home Loan and enjoy the flexibility to customise your home loan according to your needs. Enjoy the best of both worlds by having part of your loan amount under a fixed rate package for a peace of mind, and also benefit from the interest of a floating rate package for the remaining loan amount.
|
Prevailing |
Exclusive 3M SORA |
|
|---|---|---|
|
Option A |
30% of loan amount |
70% of loan amount |
|
Option B |
40% of loan amount |
60% of loan amount |
|
Option C |
50% of loan amount |
50% of loan amount |
|
More Options to Choose From |
||
|
Option D |
60% of loan amount |
40% of loan amount |
|
Option E |
70% of loan amount |
30% of loan amount |
Here’s how it works:
Illustration 1
John chooses Option C, with 50% under a 2-year fixed rate package and the remaining 50% under the floating rate package.
2-Year Fixed Rate |
Floating Rate with 2-Year Lock-In |
Blended Interest Rate |
|
|---|---|---|---|
|
Year 1 |
4.25% | 3.8919% (3M SORA + 0.75%) |
4.07095% |
|
Year 2 |
4.25% | 3.8919% (3M SORA + 0.75%) |
4.07095% |
|
Thereafter |
4.1419% (3M SORA +1.00%) |
3.8919% (3M SORA + 0.75%) |
4.01690% |
Illustration 2
Benny chooses Option A, with 30% under a 2-year fixed rate package and the remaining 70% under the floating rate package.
2-Year Fixed Rate |
Floating Rate with 2-Year Lock-In |
Blended Interest Rate |
|
|---|---|---|---|
|
Year 1 |
4.25% | 3.8919% (3M SORA + 0.75%) |
3.99933% |
|
Year 2 |
4.25% | 3.8919% (3M SORA + 0.75%) |
3.99933% |
|
Thereafter |
4.1419% (3M SORA +1.00%) |
3.8919% (3M SORA + 0.75%) |
3.96690% |
3M SORA refers to the 3-Month Compounded Singapore Overnight Rate Average (SORA) that is published on MAS website. As at 1 Feb 2023, it is 3.1419% p.a. Find out more on 3M SORA.
The blended interest rate may change as the portion of loan under the floating rate package is subject to interest rate fluctuations.
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Terms and conditions apply.
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Terms and Conditions
- Applicable for published 2-Year or 3-Year fixed rate packages paired with the exclusive Two-In-One Home Loan
- Applicable for home loan amount of S$300,000 and above
- Applicable for completed residential properties in Singapore (Resale and Refinancing from another financial institution or HDB)
- Applicable for online/offline and direct/indirect applications via DBS/POSB website
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