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Attractive Home Loan Rates

Planning to take up a new home loan or to refinance your existing home loan? Look no further as we offer a wide range of attractive fixed and floating home loan interest rate packages that are catered to your needs.

Fixed Rate Packages

Enjoy greater stability and secure yourself with our attractive fixed rate packages below.

2-Year Fixed 3.75% p.a.
Year 1 to Year 2	3.75% p.a.
Year 3 and thereafter	3M SORA + 1.00% p.a.
Minimum loan amount	S$100,000
Commitment period	2 Years
Special feature	Waiver of commitment fee due to sale of property and 1 time free conversion to applicable prevailing packages after 24 months.

3-Year Fixed 3.75% p.a.
Year 1 to Year 3	3.75% p.a.
Year 4 and thereafter	3M SORA + 1.00% p.a.
Minimum loan amount	S$100,000
Commitment period	3 Years
Special feature	Waiver of commitment fee due to sale of property and 1-time free conversion to applicable prevailing packages after 36 months.

4-Year Fixed 3.75% p.a.
Year 1 to Year 4	3.75% p.a.
Year 5 and thereafter	3M SORA + 1.00% p.a.
Minimum loan amount	S$100,000
Commitment period	4 Years
Special feature	1-time free conversion to applicable prevailing packages after 48 months.

5-Year Fixed 3.75% p.a.
Year 1 to Year 5	3.75% p.a.
Year 6 and thereafter	3M SORA + 1.00% p.a.
Minimum loan amount	S$100,000
Commitment period	5 Years
Special feature	Waiver of commitment fee due to sale of property and 1-time free conversion to applicable prevailing packages after 36 months.

3M SORA refers to the 3-Month Compounded Singapore Overnight Rate Average (SORA) that is published on MAS website. As at 4 Sept 2023, it is 3.696% p.a. Find out more on 3M SORA.

Floating Rate Packages

3-Year Lock-in CHR + 0.10% p.a.
Year 1 to Year 3	CHR + 0.10% p.a.
Year 4 and thereafter	CHR + 0.10% p.a.
Commitment Period	3 Years
Minimum loan amount	S$100,000
Eligible criteria	New or Existing HDB Homeowners Applications where average monthly income of all borrowers are S$2,500 and below*

CPF Home Rate (CHR) is based on the prevailing interest rate payable on CPF Ordinary Account (OA). It is currently 2.50% p.a.

*Refers to Admissible income – Gross monthly income (Basic salary and extra wages such as overtime pay and bonuses)

2-Year Lock-in 3M SORA + 1.00% p.a.
Year 1 to Year 2	3M SORA + 1.00% p.a.
Year 3 and thereafter	3M SORA + 1.00% p.a.
Commitment period	2 Years
Minimum loan amount	S$100,000

3M SORA refers to the 3-Month Compounded Singapore Overnight Rate Average (SORA) that is published on MAS website. As at 4 Sept 2023, it is 3.696% p.a.. Find out more on 3M SORA.

Bridging loan

For purchase of all residential properties Prime Rate Floating Rate Package	No Lock-in
Up to 6 months	4.25% p.a.

No lock-in period. This is based on the DBS Prime Rate which is currently at 4.25% per annum.

Two-In-One Home Loan

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 2-Year/3-Year/4-Year/5-Year Fixed Rate Package	Exclusive 3M SORA + 0.75% package with 2-Year Lock-in
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
New Options to Choose From
Option D	60% of loan amount	40% of loan amount
Option E	70% of loan amount	30% of loan amount

For the portion of loan under fixed rates, choose either a 2, 3, 4 or 5-Year Fixed Rate Package. The portion of loan under floating rates will be as such:

2-Year Lock-in 3M SORA + 0.75% p.a.
Year 1 to Year 2	3M SORA + 0.75% p.a.
Year 3 and thereafter	3M SORA + 0.75% p.a.
Commitment period	2 Years
Minimum loan amount	S$100,000

3M SORA refers to the 3-Month Compounded Singapore Overnight Rate Average (SORA) that is published on MAS website. As at 4 Sept 2023, it is 3.696% 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.