Interest Rates
Type Year 1 Year 2 Year 3 Year 4 Subsidies Features
Residential Property Completed / New Purchase
Fixed *Special *Special *Special *Special Nil Lowest 3yrs Fixed Rate Deal at*Special*. Min loan of $800k. Contact us to find out!
Fixed 1.20% 1.40% 3M Sibor + 1.25% Nil Lowest 2yrs Fixed Rate Deal at 1.3% / year. No penalty due to sale of property. 1 free conversion after 12 months.
Variable Sibor 3M Sibor + 0.80% 3M Sibor + 0.80% 3M Sibor + 0.80% 3M Sibor + 1% Nil Lowest Sibor pegged. Minimum loan $300k.
Variable Sibor 3M Sibor + 0.80% 3M Sibor + 0.80% 3M Sibor + 0.80% 3M Sibor + 1.25% Nil Lowest Sibor pegged. Minimum loan > $600k, subject to bank approval.
Variable Sibor throughout 3M Sibor + 0.90% 3M Sibor + 0.90% 3M Sibor + 0.90% 3M Sibor + 0.90% Nil Rates thereafter throughout
Variable SOR throughout 3M SOR + 1% 3M SOR + 1% 3M SOR + 1% 3M SOR + 1% Nil Free switching of Sibor and SOR
Residential Property Completed / Refinance
Fixed 1.40% 1.60% 1.70% Legal Subsidy $2500 Best 3yrs Fixed Rate Deal with Legal Subsidy.
Fixed 1.30% 1.50% 3M Sibor + 1.25% 3M Sibor + 1.25% Legal Subsidy $2500 + Valuation Subsidy Best 2yrs Fixed Rate Deal with Legal and Valuation Subsidies. No penalty due to sale of property + 1 free conversion after 12 months.
Fixed *Special *Special *Special *Special Nil Best 3yrs Fixed Rate Promotion at*Special*. Min loan of $800k. Contact us to find out!
Fixed 1.20% 1.40% 3M Sibor + 1.25% Nil Best 2yrs Fixed Rate Promotion! No penalty due to sale of property. 1 free conversion after 12 months.
Variable Sibor 3M Sibor + 0.85% 3M Sibor + 0.85% 3M Sibor + 0.85% 3M Sibor + 1.25% Legal Subsidy $2500 + Valuation Subsidy Best Sibor pegged deal with Legal and Valuation Subsidies.
Variable Sibor 3M Sibor + 0.80% 3M Sibor + 0.80% 3M Sibor + 0.80% 3M Sibor + 1% Nil Lowest Sibor pegged. Minimum loan $300k.
Variable Sibor 3M Sibor + 0.85% 3M Sibor + 0.85% 3M Sibor + 0.85% 3M Sibor + 0.85% Cash Rebate up to $2000 Best 5 years Sibor Pegged Deal with Cash Rebates.
Variable Sibor 3M Sibor + 0.90% 3M Sibor + 0.90% 3M Sibor + 0.90% 3M Sibor + 1.25% Flat Cash Rebate $1800 HDB Refinancing Super Deal, Min $250k to qualify.
Variable Sibor throughout 3M Sibor + 0.95% 3M Sibor + 0.95% 3M Sibor + 0.95% 3M Sibor + 0.95% Legal Subsidy $2500 + Valuation Subsidy No penalty due to sale + 1 free conversion after 12 months.
Variable SOR throughout 3M SOR + 0.95% 3M SOR + 0.95% 3M SOR + 0.95% 3M SOR + 0.95% Legal Subsidy $2500 + Valuation Subsidy Fresh fund deposits for setup Premier Banking Account
Residential Property Under Construction
Variable Sibor 3M Sibor + 0.80% 3M Sibor + 0.80% 3M Sibor + 0.80% 3M Sibor + 1% Nil No lock in, 1 free conversion
Variable SOR 3M SOR + 0.80% 3M SOR + 0.80% 3M SOR + 0.80% 3M SOR + 1% Nil No lock in, 1 free conversion
Variable Sibor /SOR 3M SOR SIBOR + 0.80% 3M SOR SIBOR + 0.80% 3M SOR SIBOR + 0.80% 3M SOR SIBOR + 1% Nil No lock in, 1 free conversion
Variable SOR throughout 3M SOR + 0.98% 3M SOR + 0.98% 3M SOR + 0.98% 3M SOR + 0.98% Nil No lock in, Rates throughout
Commercial Property Completed / New Purchase
Fixed 1.45% 1.85% 2.85% 4% Yes 3yrs Fixed rate, applicable only for operating companies.
Fixed 2.18% 2.18% 2.18% 3M Sibor + 3% Nil 3yrs Fixed rate, applicable only for operating companies, individuals and investment holding companies.
Variable 3M Sibor + 1.08% 3M Sibor + 1.18% 3M Sibor + 1.78% 3M Sibor + 2.88% Yes, Legal + Valuation subsidy 2yrs lock, Sibor pegged, min loan $800k, only for individuals and investment holding companies.
Variable 3M Sibor + 1.12% 3M Sibor + 1.22% 3M Sibor + 1.82% 3M Sibor + 2.88% Yes, Legal + Valuation subsidy 2yrs lock, Sibor pegged, min loan $200k, only for individuals and investment holding companies.
Variable 1.35% 1.75% 2.95% 4.25% Yes 2yrs lock, only applicable for operating companies.
Variable 1.45% 1.65% 6% 6% Yes, Legal + Valuation subsidy 2yrs lock, only applicable for operating companies, individuals and investment holding companies.
Variable 1.30% 1.70% 3.38% 4.68% Yes, Legal + Valuation subsidy 2yrs lock, applicable for individuals and investment holding companies. Min $500k.
Variable 1.48% 1.68% 1.98% 5.25% Nil 3yrs lock, only applicable for operating companies
Variable (Interest Only) 1.88% 2.38% 3.68% 5.25% Nil 3yrs lock, 3yrs InterestServicing only.
Variable (Interest Only) Quote Quote Quote Quote Nil Interest only options. Applicable for live operating companies with low credit score.
Commercial Property Completed / Refinance
Fixed 1.45% 1.85% 2.85% 4% Yes 3yrs Fixed rate, applicable for companies and individuals
Fixed 2.18% 2.18% 2.18% 3M Sibor + 3% Nil 3yrs Fixed rate, applicable only for operating companies, individuals and investment holding companies.
Variable 3M Sibor + 1.08% 3M Sibor + 1.18% 3M Sibor + 1.78% 3M Sibor + 2.88% Yes, Legal + Valuation subsidy 2yrs lock, Sibor pegged, min loan $800k, only for individuals and investment holding companies.
Variable 3M Sibor + 1.12% 3M Sibor + 1.22% 3M Sibor + 1.82% 3M Sibor + 2.88% Yes, Legal + Valuation subsidy 2yrs lock, Sibor pegged, min loan $200k, only for individuals and investment holding companies.
Variable 1.4% 1.7% 3.18% 5.25% Yes, subject to approval 2yrs lock, only applicable for operating companies
Variable 1.3% 1.7% 3.38% 4.68% Yes, Legal + Valuation subsidy 2yrs lock, applicable for individuals and investment holding companies. Min $500k.
Variable 1.35% 1.75% 2.95% 4.25% Yes 2yrs lock, applicable only for operating companies.
Variable 1.45% 1.65% 6% 6% Yes, Legal + Valuation subsidy 2yrs lock, applicable for operating companies, individuals and investment holding companies.
Variable 1.48% 1.68% 1.98% 5.25% Nil 3yrs lock, only applicable for operating companies
Variable (Interest Only) 1.88% 2.38% 3.68% 5.25% Nil 3yrs lock, 3yrs InterestServicing only
Variable (Interest Only) Quote Quote Quote Quote Nil Interest only options. Applicable for live operating companies with low credit score.
Commercial Property Under Construction
Fixed
Fixed
Variable 3M Sibor + 1.08% 3M Sibor + 1.18% 3M Sibor + 1.78% 3M Sibor + 2.88% Yes, Legal + Valuation 2yrs lock, Sibor pegged, min loan $800k, only for individuals
Variable 3M Sibor + 1.12% 3M Sibor + 1.22% 3M Sibor + 1.82% 3M Sibor + 2.88% Yes, Legal + Valuation 2yrs lock, Sibor pegged, min loan $200k, only for individuals
Variable 1.38% 1.68% 1.98% 4.5% No 3yrs lock, applicable for companies and individuals
Variable 1.35% 1.75% 2.95% 4.25% Yes 2yrs lock, applicable for operating companies.
Overseas Property Completed / New Purchase
Australia (SGD) 2.58% 2.58% 2.58% 2.58% No Min loan $300k, Countrywide
Australia (SGD) 2.9% 2.9% 2.9% 2.9% No Min loan $300k, Sibor pegged for full transparency of interest rates, Melbourne / Sydney / Perth
Australia (SGD) 1.9% 2.08% 1.9% 2.08% 1.9% 2.08% 1.9% 2.08% No Multi currency loan, Minimum loan >$1mil AUD, Countrywide
Australia (AUD) 4.8% 4.8% 4.8% 4.8% No Interest Servicing 5yrs, Countrywide
Australia (AUD) 4.99% 4.99% 4.99% 4.99% No Promotional 4.99% 5 years Fixed Rate. Interest only for up 10yrs, Countrywide
Australia (AUD) 4.79% 4.79% 4.99% 4.99% No 2yrs Fixed Rate, Deposit matching, Countrywide
New Zealand (SGD) 2.83% 2.83% 2.83% 2.83% No Multi currency loan, Minimum loan $500k NZD, Countrywide
New Zealand (SGD) 1.9% 2.08% 1.9% 2.08% 1.9% 2.08% 1.9% 2.08% No Multi currency loan, Minimum loan $1mil NZD, Countrywide
United Kingdom (SGD) 2.65% 2.9% 2.65% 2.9% 2.65% 2.9% 2.65% 2.9% No London Zone 1 Zone 4
Malaysia (SGD) 2.9% 2.9% 2.9% 2.9% No Applicable for Residential & Commercial Properties
Japan (SGD) 2.9% 2.9% 2.9% 2.9% No Tokyo only, min income of applicant $100k/yr
Thailand (SGD) 5.75% 6.25% 6.75% 6.75% No Bangkok freehold condominiums,min income of applicant $100k/yr
United States (SGD) 3.15% 3.15% 3.15% 3.15% No Only New York and California. Min income of applicants $15k/mth
India Coming soon Coming soon Coming soon Coming soon
Overseas Property Completed / Refinance
Australia (SGD) 2.58% 2.58% 2.58% 2.58% No Min loan $300k, Countrywide
Australia (SGD) 2.9% 2.9% 2.9% 2.9% No Min loan $300k, Sibor pegged for full transparency of interest rates, Melbourne / Sydney / Perth
Australia (SGD) 1.9% 2.08% 1.9% 2.08% 1.9% 2.08% 1.9% 2.08% No Multi currency loan, Minimum loan >$1mil AUD, Countrywide
Australia (AUD) 4.99% 4.99% 4.99% 4.99% No Promotional 4.99% 5 years Fixed Rate. Interest only for up 10yrs, Countrywide
Australia (AUD) 4.79% 4.79% 4.99% 4.99% No 2yrs Fixed Rate, Interest Servicing 10yrs, Deposit matching, Countrywide
New Zealand (SGD) 2.83% 2.83% 2.83% 2.83% No Multi currency loan, Minimum loan $500k NZD, Countrywide
New Zealand (SGD) 1.9% 2.08% 1.9% 2.08% 1.9% 2.08% 1.9% 2.08% No Multi currency loan, Minimum loan $1mil NZD, Countrywide
United Kingdom (SGD) 2.65% 2.9% 2.65% 2.9% 2.65% 2.9% 2.65% 2.9% No Rates subjected to location zoning, London Zone 1 Zone 4
Malaysia (SGD) 2.9% 2.9% 2.9% 2.9% No Applicable for Residential & Commercial Properties
Japan (SGD) 2.9% 2.9% 2.9% 2.9% No Tokyo only, min income of applicant $100k/yr
Thailand (SGD) 5.75% 6.25% 6.75% 6.75% No Bangkok freehold condominiums,min income of applicant $100k/yr
United States (SGD) 3.15% 3.15% 3.15% 3.15% No Only New York and California. Min income of applicants $15k/mth
India Coming soon Coming soon Coming soon Coming soon
Overseas Property Under Construction
Australia (SGD) 2.9% 2.9% 2.9% 2.9% No Min loan $300k, Sibor pegged for full transparency of interest rates, Melbourne / Sydney / Perth
Australia (AUD) 4.99% 4.99% 4.99% 4.99% No Interest Servicing 10yrs, Deposit matching, Countrywide, Min 6 months to property completion
Australia (AUD) 4.79% 4.79% 4.99% 4.99% No 2yrs Fixed Rate, Interest Servicing 10yrs, Deposit matching, Countrywide, Min 6 months to property completion
New Zealand (SGD) 2.83% 2.83% 2.83% 2.83% No Multi currency loan, Minimum loan $500k NZD, Countrywide, Min 6 months to property completion for application
United Kingdom (SGD) 2.65% 2.9% 2.65% 2.9% 2.65% 2.9% 2.65% 2.9% No Rates subjected to location zoning, London Zone 1 Zone 4
Malaysia (SGD) 2.9% 2.9% 2.9% 2.9% No Applicable for Residential & Commercial Properties
Japan (SGD) 2.9% 2.9% 2.9% 2.9% No Tokyo only, min income of applicant $100k/yr
Thailand (SGD) 5.75% 6.25% 6.75% 6.75% No Bangkok freehold condominiums,min income of applicant $100k/yr
Overseas Property For Non Resident International Clients
Australia (SGD) 2.9% 2.9% 2.9% 2.9% No Min loan $300k, Sibor pegged for full transparency of interest rates, Melbourne / Sydney / Perth
Australia (AUD) 4.99% 4.99% 4.99% 4.99% No Promotional 4.99% 5 years Fixed Rate. Interest only for up 10yrs, Countrywide. Min 6 months to property completion
Australia (AUD) 4.79% 4.79% 4.99% 4.99% No 2yrs Fixed Rate, Interest Servicing 10yrs, Deposit matching, Countrywide, Min 6 months to property completion
United Kingdom (SGD) 2.9% 2.9% 2.9% 2.9% No London Zone 1 Zone 4, Eligible for additional cash out term loan
Japan (SGD) 2.9% 2.9% 2.9% 2.9% No Tokyo only, min income of applicant $100k/yr
Malaysia (SGD) 2.9% 2.9% 2.9% 2.9% No Applicable for Residential & Commercial Properties
Thailand (SGD) 5.75% 6.25% 6.75% 6.75% No Bangkok freehold condominiums,min income of applicant $100k/yr
SME Business Financing
Business Micro Loan 2.9% 2.9% 2.9% 2.9% No Flat Interest Rate
Business Term Loan 4.3% 4.3% 4.3% 4.3% No Flat Interest Rate
Business Loan for Professionals 3.78% 3.88% 3.98% 4.08% No Flat Interest Rate, applicable for Licensed Professionals like Doctors, Lawyers, Accountants, Architecte, Engineers, Surveyors and Valuers.
Company Car Loan 2.50% 2.50% 2.50% 2.50% No Flat Interest Rate
Land and Construction Loan 2.75% 2.75% 2.75% 2.75% Flat Interest Rate
Machinery and Equipment 1.50% 1.50% 1.50% 1.50% Flat Interest Rate
Stocks & Shares Financing 3% 3% 3% 3% Flat Interest Rate
Shipping Loan 2.5% 2.5% 2.5% 2.5% Flat Interest Rate
Trade & Invoice Finance Quote Quote Quote Quote Flat Interest Rate
Merchant Cash Advance 25% 25% 25% 25% Flat Interest Rate