DBS Home Loans

DBS Home Loan for Purchase of Private Property

DBS Home Loan for Refinancing of Private Property

DBS Home Loan for Purchase of HDB Flat

DBS Home Loan for Refinancing of HDB Flat

Do note that the rates below are indicative. For the best home loans specific to you, please contact us or use the Finko home loan comparison.

Home Loan for Purchase of Private Property
Minimum mortgage of $100,000
Year 1	3M SORA + 0.25%
Year 2	3M SORA + 0.28%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty Waiver of lock-in penalty if property is sold The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	3M SORA + 0.28%
Year 2	3M SORA + 0.28%
Year 3	3M SORA + 0.45%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty Waiver of lock-in penalty if property is sold The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.45% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.88% (Fixed)
Year 2	1.88% (Fixed)
Year 3	1.88% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $200,000
Year 1	3M SORA + 0.60%
Year 2	3M SORA + 0.60%
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty Waiver of lock-in penalty if property is sold The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.95% (Fixed)
Year 2	1.95% (Fixed)
Year 3	1.95% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.68% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.98% (Fixed)
Year 2	1.98% (Fixed)
Year 3	1.98% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $500,000
Year 1	3M SORA + 0.28%
Year 2	3M SORA + 0.30%
Year 3	3M SORA + 0.55%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty Waiver of lock-in penalty if property is sold The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	3M SORA + 0.35%
Year 2	3M SORA + 0.35%
Year 3	3M SORA + 0.45%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty Waiver of lock-in penalty if property is sold The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.93% (Fixed)
Year 2	1.93% (Fixed)
Year 3	1.93% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.78% (Fixed)
Year 2	1.78% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.95% (Fixed)
Year 2	1.95% (Fixed)
Year 3	1.95% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.78% (Fixed)
Year 2	1.78% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.65% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,000,000
Year 1	3M SORA + 0.30%
Year 2	3M SORA + 0.30%
Year 3	3M SORA + 0.45%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.63% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.75% (Fixed)
Year 2	1.75% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.75% (Fixed)
Year 2	1.75% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.90% (Fixed)
Year 2	1.90% (Fixed)
Year 3	1.90% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.93% (Fixed)
Year 2	1.93% (Fixed)
Year 3	1.93% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,500,000
Year 1	1.73% (Fixed)
Year 2	1.73% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.90% (Fixed)
Year 2	1.90% (Fixed)
Year 3	1.90% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.88% (Fixed)
Year 2	1.88% (Fixed)
Year 3	1.88% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.73% (Fixed)
Year 2	1.73% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.60% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%

Home Loan for Refinancing of Private Property
Minimum mortgage of $500,000
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.45% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.95% (Fixed)
Year 2	1.95% (Fixed)
Year 3	1.95% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.93% (Fixed)
Year 2	1.93% (Fixed)
Year 3	1.93% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,000,000
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,500
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.45% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,500
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.93% (Fixed)
Year 2	1.93% (Fixed)
Year 3	1.93% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,500
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.90% (Fixed)
Year 2	1.90% (Fixed)
Year 3	1.90% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,500
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,500,000
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,800
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.45% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,800
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.90% (Fixed)
Year 2	1.90% (Fixed)
Year 3	1.90% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,800
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.88% (Fixed)
Year 2	1.88% (Fixed)
Year 3	1.88% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,800
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%

Home Loan for Purchase of HDB Flat
Minimum mortgage of $100,000
Year 1	3M SORA + 0.25%
Year 2	3M SORA + 0.28%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty Waiver of lock-in penalty if property is sold The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	3M SORA + 0.28%
Year 2	3M SORA + 0.28%
Year 3	3M SORA + 0.45%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty Waiver of lock-in penalty if property is sold The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.88% (Fixed)
Year 2	1.88% (Fixed)
Year 3	1.88% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.45% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $200,000
Year 1	3M SORA + 0.60%
Year 2	3M SORA + 0.60%
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty Waiver of lock-in penalty if property is sold The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	Board 1.60%
Year 2	Board 1.60%
Year 3	Board 1.60%
Thereafter	FHR6 + 1.20%
Lock-in period	5 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 month No partial prepayment penalty Waiver of lock-in penalty if property is sold FHR6 is currently at 0.80%
Year 1	1.68% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.78% (Fixed)
Year 2	1.78% (Fixed)
Year 3	1.78% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.95% (Fixed)
Year 2	1.95% (Fixed)
Year 3	1.95% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.98% (Fixed)
Year 2	1.98% (Fixed)
Year 3	1.98% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $500,000
Year 1	3M SORA + 0.35%
Year 2	3M SORA + 0.35%
Year 3	3M SORA + 0.45%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty Waiver of lock-in penalty if property is sold The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	3M SORA + 0.28%
Year 2	3M SORA + 0.30%
Year 3	3M SORA + 0.55%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty Waiver of lock-in penalty if property is sold The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.78% (Fixed)
Year 2	1.78% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.78% (Fixed)
Year 2	1.78% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.93% (Fixed)
Year 2	1.93% (Fixed)
Year 3	1.93% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.95% (Fixed)
Year 2	1.95% (Fixed)
Year 3	1.95% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.65% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,000,000
Year 1	3M SORA + 0.30%
Year 2	3M SORA + 0.30%
Year 3	3M SORA + 0.45%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.63% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.93% (Fixed)
Year 2	1.93% (Fixed)
Year 3	1.93% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.75% (Fixed)
Year 2	1.75% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.90% (Fixed)
Year 2	1.90% (Fixed)
Year 3	1.90% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.75% (Fixed)
Year 2	1.75% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,500,000
Year 1	1.73% (Fixed)
Year 2	1.73% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.60% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.88% (Fixed)
Year 2	1.88% (Fixed)
Year 3	1.88% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.90% (Fixed)
Year 2	1.90% (Fixed)
Year 3	1.90% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.73% (Fixed)
Year 2	1.73% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%

Home Loan for Refinancing of HDB Flat
Minimum mortgage of $200,000
Year 1	Board 1.60%
Year 2	Board 1.60%
Year 3	Board 1.60%
Thereafter	FHR6 + 1.20%
Lock-in period	5 years
Subsidy / Incentive	$1,000
Remarks	Free conversion after 36 month No partial prepayment penalty Waiver of lock-in penalty if property is sold FHR6 is currently at 0.80%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.98% (Fixed)
Year 2	1.98% (Fixed)
Year 3	1.98% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$1,000
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.45% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$1,000
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.95% (Fixed)
Year 2	1.95% (Fixed)
Year 3	1.95% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$1,000
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.78% (Fixed)
Year 2	1.78% (Fixed)
Year 3	1.78% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	$1,000
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $250,000
Year 1	Board 1.60%
Year 2	Board 1.60%
Year 3	Board 1.60%
Thereafter	FHR6 + 1.20%
Lock-in period	5 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 36 month No partial prepayment penalty Waiver of lock-in penalty if property is sold FHR6 is currently at 0.80%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 24 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.98% (Fixed)
Year 2	1.98% (Fixed)
Year 3	1.98% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.45% (Fixed)
Year 2	3M SORA + 0.75%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 12 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.95% (Fixed)
Year 2	1.95% (Fixed)
Year 3	1.95% (Fixed)
Thereafter	3M SORA + 0.75%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.78% (Fixed)
Year 2	1.78% (Fixed)
Year 3	1.78% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 36 months No partial prepayment penalty after 12 months Waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%