Commercial/Industrial – Refinancing

	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

Standard Chartered Fixed 2 Years Lock In Period

Featured Package

3.93%2 Year Average

$2,409.192 Year Average

$30,422.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.98%
  
  $2418.804/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.13%
  
  $2645.747/mth
  
  Year 3 3M SORA + 1.780%
- Year 4
  
  5.13%
  
  $2645.747/mth
  
  Year 4 3M SORA + 1.780%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K - No annual fee required 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 2 Years Fixed Lock In Period

3.18%2 Year Average

$2,254.612 Year Average

$24,549.04

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.18%
  
  $2254.606/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.18%
  
  $2254.606/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.11%
  
  $2831.495/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.11%
  
  $2831.495/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 - Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 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 Fixed 2 Years Lock In Period

3.2%2 Year Average

$2,258.652 Year Average

$24,705.30

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.20%
  
  $2258.651/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.20%
  
  $2258.651/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.85%
  
  $2777.806/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.85%
  
  $2777.806/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 Fixed 2 Years Lock In Period

3.2%2 Year Average

$2,258.652 Year Average

$24,705.30

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.20%
  
  $2258.651/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.20%
  
  $2258.651/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.35%
  
  $2882.413/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.35%
  
  $2882.413/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 3 years clawback for subsidies 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 Fixed 3 Years Lock In Period

3.3%2 Year Average

$2,278.942 Year Average

$25,486.88

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.30%
  
  $2278.941/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.30%
  
  $2278.941/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.30%
  
  $2278.941/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.35%
  
  $2853.059/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 Fixed 2 Years Lock In Period

3.4%2 Year Average

$2,299.342 Year Average

$26,268.95

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.40%
  
  $2299.337/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.40%
  
  $2299.337/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.35%
  
  $2886.982/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.35%
  
  $2886.982/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 3 years clawback for subsidies 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 Fixed 3 Years Lock In Period

3.5%2 Year Average

$2,319.842 Year Average

$27,051.53

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.50%
  
  $2319.839/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.50%
  
  $2319.839/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.50%
  
  $2319.839/mth
  
  Year 3 Fixed Rate
- Year 4
  
  6.35%
  
  $2859.838/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 Fixed 2 Years Lock In Period

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 Fixed Rate
- Year 2
  
  3.60%
  
  $2340.446/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.35%
  
  $2683.681/mth
  
  Year 3 3M SORA + 2.000%
- Year 4
  
  5.35%
  
  $2683.681/mth
  
  Year 4 3M SORA + 2.000%

Features

Subsidy Comment	- Interest commence 3months from Letter of Offer - Annual Fee: $200 - Processing Fee: $500 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 2 Years Fixed Lock In Period

3.69%2 Year Average

$2,359.082 Year Average

$28,539.79

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.69%
  
  $2359.082/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.69%
  
  $2359.082/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.11%
  
  $2842.833/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.11%
  
  $2842.833/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 - Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 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

Standard Chartered Fixed 2 Years Lock In Period

3.7%2 Year Average

$2,361.162 Year Average

$28,618.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.70%
  
  $2361.158/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.70%
  
  $2361.158/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.15%
  
  $2447.337/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  4.70%
  
  $2544.532/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K - No annual fee required 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 Fixed 2 Years Lock In Period

3.78%2 Year Average

$2,377.802 Year Average

$29,245.36

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.78%
  
  $2377.803/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.78%
  
  $2377.803/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.35%
  
  $2895.487/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.35%
  
  $2895.487/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 3 years clawback for subsidies 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 1M SORA 2 Years Lock In Period

3.81%2 Year Average

$2,384.062 Year Average

$29,480.64

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.71%
  
  $2363.235/mth
  
  Year 1 1M SORA + 0.600%
- Year 2
  
  3.91%
  
  $2403.179/mth
  
  Year 2 1M SORA + 0.800%
- Year 3
  
  6.11%
  
  $2845.45/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.11%
  
  $2845.45/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 2 Years Fixed Lock In Period

3.845%2 Year Average

$2,391.382 Year Average

$29,755.17

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.78%
  
  $2377.803/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.91%
  
  $2403.818/mth
  
  Year 2 1M SORA + 0.800%
- Year 3
  
  6.11%
  
  $2846.206/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.11%
  
  $2846.206/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 - Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 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

Standard Chartered Fixed 2 Years Lock In Period

3.88%2 Year Average

$2,398.702 Year Average

$30,029.78

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.88%
  
  $2398.703/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.88%
  
  $2398.703/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.35%
  
  $2489.622/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.70%
  
  $2551.905/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K - No annual fee required 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 1M SORA 2 Years Lock In Period

3.91%2 Year Average

$2,404.992 Year Average

$30,265.20

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.91%
  
  $2404.994/mth
  
  Year 1 1M SORA + 0.800%
- Year 2
  
  3.91%
  
  $2404.994/mth
  
  Year 2 1M SORA + 0.800%
- Year 3
  
  6.11%
  
  $2847.599/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.11%
  
  $2847.599/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 3M SORA 2 Years Lock In Period

4.05%2 Year Average

$2,434.472 Year Average

$31,364.37

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.05%
  
  $2434.473/mth
  
  Year 1 3M SORA + 0.700%
- Year 2
  
  4.05%
  
  $2434.473/mth
  
  Year 2 3M SORA + 0.700%
- Year 3
  
  5.35%
  
  $2692.874/mth
  
  Year 3 3M SORA + 2.000%
- Year 4
  
  5.35%
  
  $2692.874/mth
  
  Year 4 3M SORA + 2.000%

Features

Subsidy Comment	- Interest commence 3months from Letter of Offer - Annual Fee: $200 - Processing Fee: $500 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 1M SORA 3 Years Lock In Period

4.06%2 Year Average

$2,436.592 Year Average

$31,442.91

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.06%
  
  $2436.586/mth
  
  Year 1 1M SORA + 0.950%
- Year 2
  
  4.06%
  
  $2436.586/mth
  
  Year 2 1M SORA + 0.950%
- Year 3
  
  4.11%
  
  $2446.259/mth
  
  Year 3 1M SORA + 1.000%
- Year 4
  
  5.61%
  
  $2716.645/mth
  
  Year 4 1M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 1M SORA 2 Years Lock In Period

4.11%2 Year Average

$2,447.172 Year Average

$31,835.71

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.11%
  
  $2447.169/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.11%
  
  $2447.169/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  5.61%
  
  $2747.515/mth
  
  Year 3 1M SORA + 2.500%
- Year 4
  
  5.61%
  
  $2747.515/mth
  
  Year 4 1M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 1M SORA 2 Years Lock In Period

4.11%2 Year Average

$2,447.172 Year Average

$31,835.71

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.11%
  
  $2447.169/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.11%
  
  $2447.169/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.11%
  
  $2851.866/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  6.11%
  
  $2851.866/mth
  
  Year 4 1M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

Sing Investments & Finance Ltd 1M SORA 2 Years Lock In Period

4.11%2 Year Average

$2,447.172 Year Average

$31,835.71

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.11%
  
  $2447.169/mth
  
  Year 1 1M SORA + 1.000%
- Year 2
  
  4.11%
  
  $2447.169/mth
  
  Year 2 1M SORA + 1.000%
- Year 3
  
  6.11%
  
  $2851.866/mth
  
  Year 3 1M SORA + 3.000%
- Year 4
  
  7.11%
  
  $3047.187/mth
  
  Year 4 1M SORA + 4.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 - Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 5 Years Lock-in Period - 5 Years Clawback - $1,000 Facility Fees 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

Singapura Finance Board 2 Years Lock In Period

4.13%2 Year Average

$2,451.412 Year Average

$31,992.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.03%
  
  $2430.249/mth
  
  Year 1 Board Rate
- Year 2
  
  4.23%
  
  $2470.856/mth
  
  Year 2 Board Rate
- Year 3
  
  5.50%
  
  $2725.251/mth
  
  Year 3 Board Rate
- Year 4
  
  5.50%
  
  $2725.251/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	- Owners Occupation 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

Singapura Finance Board 3 Years Lock In Period

4.13%2 Year Average

$2,451.412 Year Average

$31,992.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.03%
  
  $2430.249/mth
  
  Year 1 Board Rate
- Year 2
  
  4.23%
  
  $2470.856/mth
  
  Year 2 Board Rate
- Year 3
  
  4.43%
  
  $2509.994/mth
  
  Year 3 Board Rate
- Year 4
  
  5.50%
  
  $2714.844/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	- Owners Occupation 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 In Period

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 + 0.800%
- Year 2
  
  4.15%
  
  $2455.654/mth
  
  Year 2 3M SORA + 0.800%
- Year 3
  
  6.35%
  
  $2903.549/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.35%
  
  $2903.549/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 - Facility Fee: - $1,000 for Loan < $2m - 0.10% x Loan Amount > $2m - Refinancing Only - Valuation Subsidy $500 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 Fixed 2 Years Lock In Period

4.15%2 Year Average

$2,455.652 Year Average

$32,150.04

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.15%
  
  $2455.654/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.15%
  
  $2455.654/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.35%
  
  $2903.549/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.35%
  
  $2903.549/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 - Facility Fee: - $1,000 for Loan < $2m - 0.10% x Loan Amount > $2m - Refinancing Only - Valuation Subsidy $500 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 2 Years Fixed Lock In Period

4.18%2 Year Average

$2,462.032 Year Average

$32,385.82

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.18%
  
  $2462.028/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.18%
  
  $2462.028/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.58%
  
  $2953.362/mth
  
  Year 3 Board Rate
- Year 4
  
  6.58%
  
  $2953.362/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 - Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 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 In Period

4.23%2 Year Average

$2,472.672 Year Average

$32,778.90

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.23%
  
  $2472.673/mth
  
  Year 1 3M SORA + 0.880%
- Year 2
  
  4.23%
  
  $2472.673/mth
  
  Year 2 3M SORA + 0.880%
- Year 3
  
  6.35%
  
  $2905.263/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.35%
  
  $2905.263/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 Fixed 2 Years Lock In Period

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 Fixed Rate
- Year 3
  
  6.45%
  
  $2927.026/mth
  
  Year 3 3M SORA + 3.100%
- Year 4
  
  6.45%
  
  $2927.026/mth
  
  Year 4 3M SORA + 3.100%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 - Facility Fee: - $1,000 for Loan < $2m - 0.10% x Loan Amount > $2m - Refinancing Only - Valuation Subsidy $500 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 In Period

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 3M SORA + 0.900%
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 3M SORA + 0.900%
- Year 3
  
  6.45%
  
  $2927.026/mth
  
  Year 3 3M SORA + 3.100%
- Year 4
  
  6.45%
  
  $2927.026/mth
  
  Year 4 3M SORA + 3.100%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 - Facility Fee: - $1,000 for Loan < $2m - 0.10% x Loan Amount > $2m - Refinancing Only - Valuation Subsidy $500 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

Standard Chartered Fixed 2 Years Lock In Period

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.70%
  
  $2565.646/mth
  
  Year 3 3M SORA + 1.350%
- Year 4
  
  4.70%
  
  $2565.646/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

Standard Chartered 3M SORA 2 Years Lock In Period

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.20%
  
  $2466.283/mth
  
  Year 1 3M SORA + 0.850%
- Year 2
  
  4.30%
  
  $2486.713/mth
  
  Year 2 3M SORA + 0.950%
- Year 3
  
  5.13%
  
  $2652.054/mth
  
  Year 3 3M SORA + 1.780%
- Year 4
  
  5.13%
  
  $2652.054/mth
  
  Year 4 3M SORA + 1.780%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K - No annual fee required 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 In Period

4.29%2 Year Average

$2,485.482 Year Average

$33,250.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.23%
  
  $2472.673/mth
  
  Year 1 3M SORA + 0.880%
- Year 2
  
  4.35%
  
  $2497.238/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  5.85%
  
  $2801.068/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.85%
  
  $2801.068/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

Singapura Finance Board 2 Years Lock In Period

4.33%2 Year Average

$2,494.042 Year Average

$33,565.38

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.23%
  
  $2472.673/mth
  
  Year 1 Board Rate
- Year 2
  
  4.43%
  
  $2513.69/mth
  
  Year 2 Board Rate
- Year 3
  
  5.50%
  
  $2729.264/mth
  
  Year 3 Board Rate
- Year 4
  
  5.50%
  
  $2729.264/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	- Investment Purpose 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

Singapura Finance Board 3 Years Lock In Period

4.33%2 Year Average

$2,494.042 Year Average

$33,565.38

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.23%
  
  $2472.673/mth
  
  Year 1 Board Rate
- Year 2
  
  4.43%
  
  $2513.69/mth
  
  Year 2 Board Rate
- Year 3
  
  4.63%
  
  $2553.235/mth
  
  Year 3 Board Rate
- Year 4
  
  5.50%
  
  $2720.851/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	- Investment Purpose 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

UOB Fixed 2 Years Lock In Period

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.38%
  
  $2504.761/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.38%
  
  $2504.761/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.35%
  
  $2699.427/mth
  
  Year 3 3M SORA + 2.000%
- Year 4
  
  5.35%
  
  $2699.427/mth
  
  Year 4 3M SORA + 2.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 1 Year Lock In Period

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.33%
  
  $2494.039/mth
  
  Year 1 3M SORA + 0.980%
- Year 2
  
  4.43%
  
  $2514.603/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  5.85%
  
  $2802.907/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.85%
  
  $2802.907/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 3 Years Lock In Period

4.4%2 Year Average

$2,509.062 Year Average

$34,116.18

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.40%
  
  $2509.057/mth
  
  Year 1 3M SORA + 1.050%
- Year 2
  
  4.40%
  
  $2509.057/mth
  
  Year 2 3M SORA + 1.050%
- Year 3
  
  4.40%
  
  $2509.057/mth
  
  Year 3 3M SORA + 1.050%
- Year 4
  
  5.85%
  
  $2788.983/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 Fixed 2 Years Lock In Period

4.43%2 Year Average

$2,515.512 Year Average

$34,352.30

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.43%
  
  $2515.508/mth
  
  Year 1 3M SORA + 1.080%
- Year 2
  
  4.43%
  
  $2515.508/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  6.35%
  
  $2909.506/mth
  
  Year 3 3M SORA + 3.000%
- Year 4
  
  6.35%
  
  $2909.506/mth
  
  Year 4 3M SORA + 3.000%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 In Period

4.43%2 Year Average

$2,515.512 Year Average

$34,352.30

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.43%
  
  $2515.508/mth
  
  Year 1 3M SORA + 1.080%
- Year 2
  
  4.43%
  
  $2515.508/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  5.85%
  
  $2803.916/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.85%
  
  $2803.916/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 In Period

4.45%2 Year Average

$2,519.812 Year Average

$34,509.75

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.45%
  
  $2519.814/mth
  
  Year 1 3M SORA + 1.100%
- Year 2
  
  4.45%
  
  $2519.814/mth
  
  Year 2 3M SORA + 1.100%
- Year 3
  
  5.85%
  
  $2804.321/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.85%
  
  $2804.321/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 Fixed 3 Years Lock In Period

4.48%2 Year Average

$2,526.282 Year Average

$34,745.93

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.48%
  
  $2526.281/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.48%
  
  $2526.281/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.48%
  
  $2526.281/mth
  
  Year 3 Fixed Rate
- Year 4
  
  5.85%
  
  $2791.427/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 In Period

4.58%2 Year Average

$2,547.902 Year Average

$35,533.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.58%
  
  $2547.903/mth
  
  Year 1 3M SORA + 1.080%
- Year 2
  
  4.58%
  
  $2547.903/mth
  
  Year 2 3M SORA + 1.080%
- Year 3
  
  5.85%
  
  $2806.943/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.85%
  
  $2806.943/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 Fixed 2 Years Lock In Period

4.58%2 Year Average

$2,547.902 Year Average

$35,533.51

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.58%
  
  $2547.903/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.58%
  
  $2547.903/mth
  
  Year 2 Fixed Rate
- Year 3
  
  5.85%
  
  $2806.943/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.85%
  
  $2806.943/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 In Period

4.58%2 Year Average

$2,547.902 Year Average

$35,533.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.53%
  
  $2537.08/mth
  
  Year 1 3M SORA + 1.180%
- Year 2
  
  4.63%
  
  $2557.847/mth
  
  Year 2 3M SORA + 1.280%
- Year 3
  
  5.85%
  
  $2806.95/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.85%
  
  $2806.95/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

Standard Chartered 3M SORA 2 Years Lock In Period

4.6%2 Year Average

$2,552.242 Year Average

$35,691.07

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.55%
  
  $2541.406/mth
  
  Year 1 3M SORA + 1.200%
- Year 2
  
  4.65%
  
  $2562.194/mth
  
  Year 2 3M SORA + 1.300%
- Year 3
  
  4.70%
  
  $2572.163/mth
  
  Year 3 3M SORA + 1.350%
- Year 4
  
  4.70%
  
  $2572.163/mth
  
  Year 4 3M SORA + 1.350%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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 In Period

4.75%2 Year Average

$2,584.892 Year Average

$36,873.37

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.75%
  
  $2584.895/mth
  
  Year 1 3M SORA + 1.400%
- Year 2
  
  4.75%
  
  $2584.895/mth
  
  Year 2 3M SORA + 1.400%
- Year 3
  
  5.85%
  
  $2810.332/mth
  
  Year 3 3M SORA + 2.500%
- Year 4
  
  5.85%
  
  $2810.332/mth
  
  Year 4 3M SORA + 2.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 +0.2% for all tiers for investment holding - Legal subsidy: 0.4% of loan amount, or capped at $3K - Valuation subsidy: $500 flat - Processing Fee: $1K 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

Sing Investments & Finance Ltd 3M SORA 2 Years Lock In Period

4.8%2 Year Average

$2,595.832 Year Average

$37,267.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.80%
  
  $2595.83/mth
  
  Year 1 3M SORA + 1.450%
- Year 2
  
  4.80%
  
  $2595.83/mth
  
  Year 2 3M SORA + 1.450%
- Year 3
  
  6.85%
  
  $3025.104/mth
  
  Year 3 3M SORA + 3.500%
- Year 4
  
  7.85%
  
  $3227.417/mth
  
  Year 4 3M SORA + 4.500%

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 - Valuation subsidy: Up to $500 - Legal fee subsidy of 0.40% of loan capped at $3,000 - 5 Years Lock-in Period - 5 Years Clawback - $1,000 Facility Fees 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 1 Year Fixed Lock In Period

4.93%2 Year Average

$2,624.382 Year Average

$38,293.34

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.88%
  
  $2613.379/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.98%
  
  $2634.501/mth
  
  Year 2 Board Rate
- Year 3
  
  5.88%
  
  $2820.181/mth
  
  Year 3 Board Rate
- Year 4
  
  5.88%
  
  $2820.181/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	LOAN APPROVAL BY 30 November and disbursement by 28 February 2025 - Valuation Subsidy: Capped @ $500 + Gst - Processing Fee: $1,000 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Commercial/Industrial – Refinancing

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