Package List

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Rates updated as of 02/10/2019 Have A Question? Call Us At (+65) 6631 8980 Need Help ?

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We Found 9 Home Loans Packages Based On S$500,000 Over Years

Citibank 1 Month Sibor BUC Package (Min 500k)

0.50%

S$1,773/mth

Floating

None

S$8,005

Features

  • Housing Type
    HDB
  • Housing Status
    BUC | Completed
  • Lock In Period
    none
  • Conversion
    Conversion context
  • Subsidy
    50% Interest Offset Feature
  • Others
    Other Conversion Context

Interest Rates

Period Rate Net Interest Monthly Repayment
Year 1Sibor + 0.50%0.50%S$ 1,773/mth
Year 2Sibor + 0.55%0.55%S$ 1,784/mth
Year 3Sibor + 0.65%0.65%S$ 1,806/mth
Year 4Sibor + 1.10%1.10%S$ 1,907/mth
ThereafterSibor + 1.10%1.10%S$ 1,907/mth

BOC 3 Months Sibor Package (Min 500k)

0.95%

S$1,873/mth

Floating

3 Years

S$15,776

Features

  • Housing Type
    HDB | Office/Retail
  • Housing Status
    Completed
  • Lock In Period
    3
  • Subsidy
    subsidy only for refinancing

Interest Rates

Period Rate Net Interest Monthly Repayment
Year 1Sibor + 0.95%0.95%S$ 1,873/mth
Year 2Sibor + 1.10%1.10%S$ 1,907/mth
Year 3Sibor + 1.29%1.29%S$ 1,951/mth
Year 4Sibor + 1.10%1.10%S$ 1,907/mth
ThereafterSibor + 1.10%1.10%S$ 1,907/mth

DBS Package test 1

Featured

1.00%

S$1,884/mth

Fixed

2 Years

S$24,509

Features

  • Housing Type
    HDB | Industrial | Office/Retail | Private
  • Housing Status
    BUC | Completed
  • Lock In Period
    2
  • Subsidy
    subsidy comment here.
  • Others
    loan features/ others/ test

Interest Rates

Period Rate Net Interest Monthly Repayment
Year 1Fixed (1.00%)1.00%S$ 1,884/mth
Year 2Variable (2.00%)2.00%S$ 2,119/mth
Year 3Sora + 2.00%2.20%S$ 2,168/mth
Year 4Variable (2.00%)2.00%S$ 2,119/mth
ThereafterFixed (5.00%)5.00%S$ 2,923/mth

CIMB 1 Month Sibor BUC/COM Package (HDB)

1.15%

S$1,919/mth

Floating

2 Years

S$20,265

Features

  • Housing Type
    HDB
  • Housing Status
    BUC | Completed
  • Lock In Period
    2

Interest Rates

Period Rate Net Interest Monthly Repayment
Year 1Sibor + 1.15%1.15%S$ 1,919/mth
Year 2Sibor + 1.15%1.15%S$ 1,919/mth
Year 3Sibor + 2.00%2.00%S$ 2,119/mth
Year 4Sibor + 2.00%2.00%S$ 2,119/mth
ThereafterSibor + 2.00%2.00%S$ 2,119/mth

BOC 3 Months Sibor Package (Min 300k)

1.19%

S$1,928/mth

Floating

None

S$16,945

Features

  • Housing Type
    condo | ec | landed
  • Housing Status
    Completed
  • Lock In Period
    none
  • Subsidy
    subsidy only for refinancing

Interest Rates

Period Rate Net Interest Monthly Repayment
Year 1Sibor + 1.19%1.19%S$ 1,928/mth
Year 2Sibor + 1.19%1.19%S$ 1,928/mth
Year 3Sibor + 1.19%1.19%S$ 1,928/mth
Year 4Sibor + 1.19%1.19%S$ 1,928/mth
ThereafterSibor + 1.19%1.19%S$ 1,928/mth

BOC 2 Years Fixed Rate COM Package

1.80%

S$2,071/mth

Fixed

2 Years

S$24,393

Features

  • Housing Type
    Industrial | Office/Retail
  • Housing Status
    Completed
  • Lock In Period
    2
  • Subsidy
    subsidy only for refinancing

Interest Rates

Period Rate Net Interest Monthly Repayment
Year 1Fixed (1.80%)1.80%S$ 2,071/mth
Year 2Fixed (1.80%)1.80%S$ 2,071/mth
Year 3Sibor + 1.51%1.51%S$ 2,002/mth
Year 4Sibor + 1.51%1.51%S$ 2,002/mth
ThereafterSibor + 1.10%1.10%S$ 1,907/mth

Frequently Asked Questions (FAQ)

If you are unsure of which home loan to choose, it is best to discuss this with a home loan professional. Drop us a note and we will be glad to assist you.

Owning a freehold property means that you are the owner of the property for an indefinite period of time. With a leasehold property, there is a definite number of years where you are the owner of the property. This can range from 99 to 999 years.

With private property, do note that the sale and purchase has to be completed within 12 weeks from the date where the Option to Purchase is exercised. For HDB flats, the sale and purchase is completed during your completion appointment with HDB (this is usually 6 to 8 weeks after your first appointment).

Most of the time, your Option to Purchase must be exercised with 14 days. If this time lapses, your option fee may be forfeited. As a safeguard, you may obtain an in-principal approval from a bank before committing to your purchase and paying the option fee.

The documents banks typically need include:

  • Your NRIC/passport (Singaporeans) or employment pass (for foreigners)
  • Notice of Assessment
  • Payslips (or other proof to confirm your current salary)
  • CPF contribution history
  • Option to Purchase, or the Sale and Purchase Agreement
  • Any other documents that the bank may request for

When you decide to make an offer, you will be asked to place an option fee of 1% of the purchase price. When you choose to exercise this option, you will (usually) be asked to pay another 4% of the purchase price. If this is your first property, you can borrow up to 80% of the purchase price or valuation (whichever is lower). Of the remaining 20%, 5% is to be paid in cash and the rest in either cash or CPF funds.

For most banks, the minimum loan amount is $100,000 for private property and HDB flats.