Residential Loan - Refinancing - Property Loan Interest Rate Singapore

	SIBOR	COMPOUNDED SORA
1-month	4.025	3.7698
3-month	4.05644	3.7479
6-month	NA	3.7308
12-month	NA	NA

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Bank of China 2 Years Fixed

2.1%2 Year Average

$2,042.532 Year Average

$16,143.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.10%
  
  $2042.532/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.10%
  
  $2042.532/mth
  
  Year 2 Fixed Rate
- Year 3
  
  2.67%
  
  $2142.508/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  2.87%
  
  $2174.61/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$500,000 - One time free conversion anytime - Waiver of Full Redemption Penalty, Due to Sale of Property For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 1M SORA 2 Years Lock Plan

2.21%2 Year Average

$2,063.562 Year Average

$16,996.34

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.21%
  
  $2063.555/mth
  
  Year 1 1M SORA + 0.650%
- Year 2
  
  2.21%
  
  $2063.555/mth
  
  Year 2 1M SORA + 0.650%
- Year 3
  
  2.21%
  
  $2063.555/mth
  
  Year 3 1M SORA + 0.650%
- Year 4
  
  2.56%
  
  $2121.807/mth
  
  Year 4 1M SORA + 1.000%

Features

Subsidy Comment	- 1 x Free Conversion Anytime - Partial Payment up to 30% of Original Loan amount during lock in - 50% Waiver of Penalty Due to Sale (Loan Less Than $800k) For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 3M SORA 2 Years Lock Plan

2.32%2 Year Average

$2,084.712 Year Average

$17,850.23

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.32%
  
  $2084.711/mth
  
  Year 1 3M SORA + 0.450%
- Year 2
  
  2.32%
  
  $2084.711/mth
  
  Year 2 3M SORA + 0.450%
- Year 3
  
  2.32%
  
  $2084.711/mth
  
  Year 3 3M SORA + 0.450%
- Year 4
  
  2.87%
  
  $2177.316/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$800,000 - Free Conversion after 6 months from disbursement For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 3M SORA 2 Years Lock Plan

2.37%2 Year Average

$2,094.372 Year Average

$18,238.58

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.37%
  
  $2094.37/mth
  
  Year 1 3M SORA + 0.500%
- Year 2
  
  2.37%
  
  $2094.37/mth
  
  Year 2 3M SORA + 0.500%
- Year 3
  
  2.37%
  
  $2094.37/mth
  
  Year 3 3M SORA + 0.500%
- Year 4
  
  2.87%
  
  $2178.713/mth
  
  Year 4 3M SORA + 1.000%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3M SORA 2 Years Lock Plan

2.37%2 Year Average

$2,094.372 Year Average

$18,238.58

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.37%
  
  $2094.37/mth
  
  Year 1 3M SORA + 0.500%
- Year 2
  
  2.37%
  
  $2094.37/mth
  
  Year 2 3M SORA + 0.500%
- Year 3
  
  2.62%
  
  $2138.569/mth
  
  Year 3 3M SORA + 0.750%
- Year 4
  
  2.62%
  
  $2138.569/mth
  
  Year 3 3M SORA + 0.750%

Features

Subsidy Comment	- Min loan size S$300,000 - One time free conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Bank of China 3M SORA 2 Years Lock Plan

2.37%2 Year Average

$2,094.372 Year Average

$18,238.58

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.37%
  
  $2094.37/mth
  
  Year 1 3M SORA + 0.50%
- Year 2
  
  2.37%
  
  $2094.37/mth
  
  Year 2 3M SORA + 0.50%
- Year 3
  
  2.47%
  
  $2111.982/mth
  
  Year 3 3M SORA + 0.60%
- Year 4
  
  2.87%
  
  $2175.935/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$500,000 - One time free conversion anytime - Waiver of Full Redemption Penalty, Due to Sale of Property For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3M SORA 2 Years Lock Plan

2.42%2 Year Average

$2,104.062 Year Average

$18,627.08

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.42%
  
  $2104.057/mth
  
  Year 1 3M SORA + 0.55%
- Year 2
  
  2.42%
  
  $2104.057/mth
  
  Year 2 3M SORA + 0.55%
- Year 3
  
  2.97%
  
  $2202.322/mth
  
  Year 3 3M SORA + 1.10%
- Year 4
  
  2.97%
  
  $2202.322/mth
  
  Year 4 3M SORA + 1.10%

Features

Subsidy Comment	- Free Conversion after 12months - 50% Partial Payment of Orig Loan Amount Allowed, During Lock-in Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 3M SORA 2 Years Lock Plan

2.47%2 Year Average

$2,113.772 Year Average

$19,015.72

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.47%
  
  $2113.77/mth
  
  Year 1 3M SORA + 0.60%
- Year 2
  
  2.47%
  
  $2113.77/mth
  
  Year 2 3M SORA + 0.60%
- Year 3
  
  2.52%
  
  $2122.618/mth
  
  Year 3 3M SORA + 0.65%
- Year 4
  
  2.52%
  
  $2122.618/mth
  
  Year 4 3M SORA + 0.65%

Features

Subsidy Comment	- Free Conversion after 12 months - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500 - Min Loan for SCB Priority Client: $500k

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3M SORA 2 Years Lock Plan

2.52%2 Year Average

$2,123.512 Year Average

$19,404.49

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.52%
  
  $2123.511/mth
  
  Year 1 3M SORA + 0.65%
- Year 2
  
  2.52%
  
  $2123.511/mth
  
  Year 2 3M SORA + 0.65%
- Year 3
  
  2.67%
  
  $2150.199/mth
  
  Year 3 3M SORA + 0.80%
- Year 4
  
  2.87%
  
  $2182.416/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$300,000 - One time free conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock Plan

2.52%2 Year Average

$2,123.512 Year Average

$19,404.49

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.52%
  
  $2123.511/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  2.52%
  
  $2123.511/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  2.52%
  
  $2123.511/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  2.87%
  
  $2182.877/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock Plan

2.52%2 Year Average

$2,123.512 Year Average

$19,404.49

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.52%
  
  $2123.511/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  2.52%
  
  $2123.511/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  2.52%
  
  $2123.511/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  2.87%
  
  $2182.877/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 3M SORA 2 Years Lock Plan

2.52%2 Year Average

$2,123.512 Year Average

$19,404.49

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.52%
  
  $2123.511/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  2.52%
  
  $2123.511/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  2.52%
  
  $2123.511/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  2.87%
  
  $2182.877/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- 1 x Free Conversion Anytime - Partial Payment up to 30% of Original Loan amount during lock in - 50% Waiver of Penalty Due to Sale (Loan Less Than $800k) - 100% Waiver of Penalty Due to Sale (Loan More Than $800k) For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 3M SORA 1 Year Lock Plan

2.57%2 Year Average

$2,133.282 Year Average

$19,793.41

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.57%
  
  $2133.279/mth
  
  Year 1 3M SORA + 0.70%
- Year 2
  
  2.57%
  
  $2133.279/mth
  
  Year 2 3M SORA + 0.70%
- Year 3
  
  2.57%
  
  $2133.279/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  2.87%
  
  $2184.257/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock In - Partial Payment Penalty Waiver up to 50% of Loan Prepaid during Lock In For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock Plan

2.62%2 Year Average

$2,143.072 Year Average

$20,182.46

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.62%
  
  $2143.073/mth
  
  Year 1 3M SORA + 0.75%
- Year 2
  
  2.62%
  
  $2143.073/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  2.62%
  
  $2143.073/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  2.87%
  
  $2185.633/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Citibank 3M SORA 2 Years Lock Plan

2.82%2 Year Average

$2,182.522 Year Average

$21,740.04

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.82%
  
  $2182.521/mth
  
  Year 1 3M SORA + 0.95%
- Year 2
  
  2.82%
  
  $2182.521/mth
  
  Year 2 3M SORA + 0.95%
- Year 3
  
  2.82%
  
  $2182.521/mth
  
  Year 3 3M SORA + 0.95%
- Year 4
  
  2.87%
  
  $2191.095/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $100,000 - 1 x Free Conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 3M SORA 2 Years Lock Plan

2.87%2 Year Average

$2,192.452 Year Average

$22,129.77

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.87%
  
  $2192.45/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  2.87%
  
  $2192.45/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  2.87%
  
  $2192.45/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  2.87%
  
  $2192.45/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 12 months - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500 - Min Loan for SCB Priority Client: $500k

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 3M SORA 2 Year Lock Plan

2.87%2 Year Average

$2,192.452 Year Average

$22,129.77

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.87%
  
  $2192.45/mth
  
  Year 1 3M SORA + 1.00%
- Year 2
  
  2.87%
  
  $2192.45/mth
  
  Year 2 3M SORA + 1.00%
- Year 3
  
  2.87%
  
  $2192.45/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  2.87%
  
  $2192.45/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - One time free conversion after lock in period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Hong Leong Finance Board 2 Years Lock In Period

3.97%2 Year Average

$2,417.602 Year Average

$30,736.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.97%
  
  $2417.603/mth
  
  Year 1 Board Rate
- Year 2
  
  3.97%
  
  $2417.603/mth
  
  Year 2 Board Rate
- Year 3
  
  4.25%
  
  $2471.792/mth
  
  Year 3 Board Rate
- Year 4
  
  4.25%
  
  $2471.792/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	- Interest Commence 3 month from Date of LO or 1st Disbursement - 2 Years Clawback Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

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