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

2.5%2 Year Average

$2,119.612 Year Average

$19,248.97

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.50%
  
  $2119.612/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.50%
  
  $2119.612/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.95%
  
  $2385.682/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  4.15%
  
  $2420.095/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

CIMB 3M SORA 2 Years Lock Plan

3.6%2 Year Average

$2,340.452 Year Average

$27,834.60

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.60%
  
  $2340.446/mth
  
  Year 1 3M SORA + 0.450%
- Year 2
  
  3.60%
  
  $2340.446/mth
  
  Year 2 3M SORA + 0.450%
- Year 3
  
  3.60%
  
  $2340.446/mth
  
  Year 3 3M SORA + 0.450%
- Year 4
  
  4.15%
  
  $2440.244/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

HSBC 1M SORA 2 Years Lock Plan

3.64%2 Year Average

$2,348.722 Year Average

$28,147.97

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.64%
  
  $2348.718/mth
  
  Year 1 1M SORA + 0.650%
- Year 2
  
  3.64%
  
  $2348.718/mth
  
  Year 2 1M SORA + 0.650%
- Year 3
  
  3.64%
  
  $2348.718/mth
  
  Year 3 1M SORA + 0.650%
- Year 4
  
  3.99%
  
  $2412.088/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

3.65%2 Year Average

$2,350.792 Year Average

$28,226.32

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.65%
  
  $2350.789/mth
  
  Year 1 3M SORA + 0.500%
- Year 2
  
  3.65%
  
  $2350.789/mth
  
  Year 2 3M SORA + 0.500%
- Year 3
  
  3.65%
  
  $2350.789/mth
  
  Year 3 3M SORA + 0.500%
- Year 4
  
  4.15%
  
  $2441.668/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

3.65%2 Year Average

$2,350.792 Year Average

$28,226.32

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.65%
  
  $2350.789/mth
  
  Year 1 3M SORA + 0.500%
- Year 2
  
  3.65%
  
  $2350.789/mth
  
  Year 2 3M SORA + 0.500%
- Year 3
  
  3.90%
  
  $2398.317/mth
  
  Year 3 3M SORA + 0.750%
- Year 4
  
  4.15%
  
  $2441.672/mth
  
  Year 3 3M SORA + 1.000%

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

3.65%2 Year Average

$2,350.792 Year Average

$28,226.32

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.65%
  
  $2350.789/mth
  
  Year 1 3M SORA + 0.50%
- Year 2
  
  3.65%
  
  $2350.789/mth
  
  Year 2 3M SORA + 0.50%
- Year 3
  
  3.75%
  
  $2369.734/mth
  
  Year 3 3M SORA + 0.60%
- Year 4
  
  4.15%
  
  $2438.802/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

3.7%2 Year Average

$2,361.162 Year Average

$28,618.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.70%
  
  $2361.158/mth
  
  Year 1 3M SORA + 0.55%
- Year 2
  
  3.70%
  
  $2361.158/mth
  
  Year 2 3M SORA + 0.55%
- Year 3
  
  4.25%
  
  $2466.73/mth
  
  Year 3 3M SORA + 1.10%
- Year 4
  
  4.25%
  
  $2466.73/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

DBS 3M SORA 2 Years Lock Plan

3.75%2 Year Average

$2,371.552 Year Average

$29,010.13

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.75%
  
  $2371.553/mth
  
  Year 1 3M SORA + 0.600%
- Year 2
  
  3.75%
  
  $2371.553/mth
  
  Year 2 3M SORA + 0.600%
- Year 3
  
  3.80%
  
  $2381.066/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.15%
  
  $2441.635/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

SCB 3M SORA 2 Years Lock Plan

3.75%2 Year Average

$2,371.552 Year Average

$29,010.13

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.75%
  
  $2371.553/mth
  
  Year 1 3M SORA + 0.60%
- Year 2
  
  3.75%
  
  $2371.553/mth
  
  Year 2 3M SORA + 0.60%
- Year 3
  
  3.80%
  
  $2381.066/mth
  
  Year 3 3M SORA + 0.65%
- Year 4
  
  3.80%
  
  $2381.066/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

Maybank 1M SORA 1 Year Lock Plan

3.79%2 Year Average

$2,379.892 Year Average

$29,323.78

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.79%
  
  $2379.888/mth
  
  Year 1 1M SORA + 0.800%
- Year 2
  
  3.79%
  
  $2379.888/mth
  
  Year 2 1M SORA + 0.800%
- Year 3
  
  4.74%
  
  $2564.774/mth
  
  Year 3 1M SORA + 1.750%
- Year 4
  
  4.74%
  
  $2564.774/mth
  
  Year 4 1M SORA + 1.750%

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

OCBC 3M SORA 2 Years Lock Plan

3.8%2 Year Average

$2,381.972 Year Average

$29,402.21

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.80%
  
  $2381.975/mth
  
  Year 1 3M SORA + 0.65%
- Year 2
  
  3.80%
  
  $2381.975/mth
  
  Year 2 3M SORA + 0.65%
- Year 3
  
  3.95%
  
  $2410.657/mth
  
  Year 3 3M SORA + 0.80%
- Year 4
  
  4.15%
  
  $2445.431/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

3.8%2 Year Average

$2,381.972 Year Average

$29,402.21

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.80%
  
  $2381.975/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  3.80%
  
  $2381.975/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  3.80%
  
  $2381.975/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.15%
  
  $2445.912/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

3.8%2 Year Average

$2,381.972 Year Average

$29,402.21

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.80%
  
  $2381.975/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  3.80%
  
  $2381.975/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  3.80%
  
  $2381.975/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.15%
  
  $2445.912/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

3.85%2 Year Average

$2,392.422 Year Average

$29,794.40

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.85%
  
  $2392.422/mth
  
  Year 1 3M SORA + 0.70%
- Year 2
  
  3.85%
  
  $2392.422/mth
  
  Year 2 3M SORA + 0.70%
- Year 3
  
  3.85%
  
  $2392.422/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.15%
  
  $2447.318/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

3.9%2 Year Average

$2,402.902 Year Average

$30,186.71

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.90%
  
  $2402.896/mth
  
  Year 1 3M SORA + 0.75%
- Year 2
  
  3.90%
  
  $2402.896/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  3.90%
  
  $2402.896/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  4.15%
  
  $2448.719/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

4.1%2 Year Average

$2,445.052 Year Average

$31,757.14

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.10%
  
  $2445.05/mth
  
  Year 1 3M SORA + 0.95%
- Year 2
  
  4.10%
  
  $2445.05/mth
  
  Year 2 3M SORA + 0.95%
- Year 3
  
  4.10%
  
  $2445.05/mth
  
  Year 3 3M SORA + 0.95%
- Year 4
  
  4.15%
  
  $2454.276/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

4.15%2 Year Average

$2,455.652 Year Average

$32,150.04

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.15%
  
  $2455.654/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  4.15%
  
  $2455.654/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  4.15%
  
  $2455.654/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.15%
  
  $2455.654/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

4.15%2 Year Average

$2,455.652 Year Average

$32,150.04

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.15%
  
  $2455.654/mth
  
  Year 1 3M SORA + 1.00%
- Year 2
  
  4.15%
  
  $2455.654/mth
  
  Year 2 3M SORA + 1.00%
- Year 3
  
  4.15%
  
  $2455.654/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.15%
  
  $2455.654/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

4.35%2 Year Average

$2,498.322 Year Average

$33,722.74

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.35%
  
  $2498.325/mth
  
  Year 1 Board Rate
- Year 2
  
  4.35%
  
  $2498.325/mth
  
  Year 2 Board Rate
- Year 3
  
  4.35%
  
  $2498.325/mth
  
  Year 3 Board Rate
- Year 4
  
  4.35%
  
  $2498.325/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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