List of Home Loan Packages
For Buildings Under Construction:
| Bank | Package Type | Lock-In Period | 1st Yr Rate | 2nd Yr Rate | 3rd Yr Rate | 4th Yr Rate | 5th Yr Rate | Thereafter | Partial Repayment | Full Redemption | Remarks |
|---|---|---|---|---|---|---|---|---|---|---|---|
| UOB | Fixed Deposit Linked (Throughout) | Nil | 1.40% (FDPR + 1.15%) | 1.40% (FDPR +1.15%) | 1.40% (FDPR + 1.15%) | 1.40% (FDPR + 1.15%) | 1.40% (FDPR + 1.15%) | 1.40% (FDPR + 1.15%) | Not Applicable | Not Applicable | Two times free conversions applicable for: - First loan disburesement till TOP - 3 months from date of issuance of TOP |
| Maybank | Fixed Deposit Linked (No Locked-In) *For properties launched in 2017 Only * | Nil | 1.27% (FDMR36 + 0.07%) | 1.27% (FDMR36 + 0.07%) | 1.27% (FDMR36 + 0.07%) | 1.60% (FDMR36 + 0.40%) | 1.60% (FDMR36 + 0.40%) | 1.60% (FDMR36 + 0.40%) | 2 x Free Conversion. No Valuation Report Needed. | ||
| Maybank | Fixed Deposit Linked (No Locked-In) | Nil | 1.28% (FDMR36 + 0.08%) | 1.38% (FDMR36 + 0.18%) | 1.48% (FDMR36 + 0.28%) | 1.89% (FDMR36 + 0.69%) | 1.89% (FDMR36 + 0.69%) | 1.89% (FDMR36 + 0.69%) | 2 x Free Conversion. No Valuation Report Needed. | ||
| OCBC | OHR - No Locked-in | Nil | 1.35% (OHR + 0.35%) | 1.35% (OHR + 0.35%) | 1.40% (OHR + 0.40%) | 1.60% (OHR + 0.60%) | 1.80% (OHR + 0.80%) | 2.00% (OHR + 1.00%) | |||
| OCBC | 1-Month Sibor | Nil | 1 mth Sibor + 0.60% | 1 mth Sibor + 0.70% | 1 mth Sibor + 0.70% | 1 mth Sibor + 0.70% | 1 mth Sibor + 0.70% | 1 mth Sibor + 0.70% |
For Completed Buildings (i.e. TOP Buildings / Resale Condominium):
| Bank | Package Type | Lock-In Period | 1st Yr Rate | 2nd Yr Rate | 3rd Yr Rate | 4th Yr Rate | 5th Yr Rate | Thereafter | Partial Repayment | Full Redemption | Remarks |
|---|---|---|---|---|---|---|---|---|---|---|---|
| UOB | Fixed for 3 Years | 3 Years | 1.68% (Fixed) | 1.68% (Fixed) | 1.68% (Fixed) | 1.80% (FDPR + 1.55%) | 1.80% (FDPR + 1.55%) | 1.80% (FDPR + 1.55%) | 1.50% x prepaid amount within 3 years | 1.5% x redeemed amount within 3 year | |
| UOB | Fixed for 2 Years | 2 Years | 1.48% (Fixed) | 1.48% (Fixed) | 1 mth Sibor + 0.78% | 1 mth Sibor + 0.78% | 1 mth Sibor + 0.78% | 1 mth Sibor + 0.78% | 1.50% x prepaid amount within 2 years | 1.5% x redeemed amount within 2 year | |
| UOB | Fixed Deposit Linked (Throughout) | 2 Years | 1.38% (FDPR + 1.13%) | 1.38% (FDPR + 1.13%) | 1.38% (FDPR + 1.13%) | 1.38% (FDPR + 1.13%) | 1.38% (FDPR + 1.13%) | 1.38% (FDPR + 1.13%) | Nil, if loan outstanding fall below $200,000 after partial prepayment, 1.5% x prepaid amount within 2 years | 1.5% x redeemed amount within 2 year | |
| Maybank | Fixed for 1 Year | 1 Year | 1.50% (Fixed) | 1.55% (FDMR36 + 0.35%) | 1.55% (FDMR36 + 0.35%) | 1.99% (FDMR36 + 0.79%) | 1.99% (FDMR36 + 0.79%) | 1.99% (FDMR36 + 0.79%) | For refinancing: For loan more than S$2000, there will be cash gift of 0.4% of loan amount capped at S$2,000. | ||
| Maybank | Fixed for 2 Years | 2 Years | 1.48% (Fixed) | 1.58% (Fixed) | 1.88% (FDMR36 + 0.68%) | 1.88% (FDMR36 + 0.68%) | 1.88% (FDMR36 + 0.68%) | 1.88% (FDMR36 + 0.68%) | For refinancing: For loan more than S$2000, there will be cash gift of 0.4% of loan amount capped at S$2,000. | ||
| Maybank | Fixed Deposit Linked (3 Years) | 3 Years | 1.28% (FDMR36 + 0.08%) | 1.38% (FDMR36 +0.18%) | 1.48% (FDMR36 + 0.28%) | 1.89% (FDMR36 + 0.69%) | 1.89% (FDMR36 + 0.69%) | 1.89% (FDMR36 + 0.69%) | For refinancing: For loan more than S$2000, there will be cash gift of 0.4% of loan amount capped at S$2,000. | ||
| OCBC | Fixed for 2 Years | 2 Years | 1.65% (Fixed) | 1.65% (Fixed) | 1.70% (OHR + 0.70%) | 1.80% (OHR + 0.80%) | 1.90% (OHR + 0.90%) | 2.00% (OHR + 1.00%) | |||
| OCBC | OHR - 2 Years Locked-in | 2 Years | 1.35% (OHR + 0.35%) | 1.35% (OHR + 0.35%) | 1.40% (OHR + 0.40%) | 1.60% (OHR + 0.60%) | 1.80% (OHR + 0.80%) | 2.00% (OHR + 1.00%) | |||
| OCBC | 1-Month Sibor | 2 Years | 1 mth Sibor + 0.55% | 1 mth Sibor + 0.65% | 1 mth Sibor + 0.65% | 1 mth Sibor + 0.65% | 1 mth Sibor + 0.65% | 1 mth Sibor + 0.65% |