The interest rates indicated are fixed and guaranteed for either the first year or the first two years only, depending on the package you sign up for.

This will also mean that your monthly instalment is fixed and will not change within those years. 

At the end of the fixed rate period, the interest rates will be based on the bank’s internal rates (board rate) minus a discount stated in the Letter of Offer. The board rate has not changed since 2006.

Call our mortgage specialists at 1800 438 6088 to find out the best rates available.

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Customers can choose between different lock-in periods.

The lock-in period indicates the period where there will be penalty imposed on the customers if they decide to refinance the loan. For packages with no lock-in period, the customer can choose to refinance the housing loan package anytime.

Usually the interest rates are lower for packages with longer lock-in period. They range from 1.08% to 1.98%, and will be 3.75% thereafter.

Call our mortgage specialists at 1800 438 6088 to find out the best rates available.

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The SIBOR may change every day. The bank uses a SIBOR on a specific date (also known as the rate review date) and adds on a fixed percentage for the interest rates of the housing loan. The interest rate will be reviewed every 3 months.

SIBOR varied from 3.5% to 0.6% in past 5 years.

With the add-on percentage, the interest rates for SIBOR-dependent packages range from 1.16% to 1.56% for the first 3 years.

Call our mortgage specialists at 1800 438 6088 to find out the best rates available.

Calculate monthly payments