Tailor a unique home loan package with these enhanced features.

Payment holiday

Enjoy greater flexibility on repayments should the need arises by putting on hold repayment of monthly instalment once a year, every year throughout your loan tenor*.

Range of lock-in periods

Choose a lock-in period between one and three years and enjoy lower interest rates over the lock-in period. You may also opt for a more flexible no lock-in package and enjoy the option of selling your property when the time is right, without any penalty.

Variety of repayment schemes

Choose from:

• Normal repayment: The monthly instalment is calculated based on loan amount, loan tenor and interest rate charged. This is ideal if you can meet the monthly repayment comfortably.
• Interest servicing: Choose to only service your interest payments for the first few years. This allows you to minimise your cash commitments in the initial years, instead of committing a large amount of cash to repay your loan.
• Step-up/Step-down: Choose to pay up to 30% less or more on your monthly loan instalment for the first few years. This allows you to manage your payments as your income changes.

Choice of interest rate packages

Enjoy the flexibility of choosing your preferred interest rate package.

• Variable interest rates: Save with our competitive variable interest rates.
• Fixed interest rates: Enjoy stability by fixing your interest rate for the first two years.
• Combination of variable and fixed interest rates:
  Enjoy the benefits of both variable and fixed interest rates types by allocating your loan to variable and fixed interest rates, according to your preference.
• SmartMortgage:
  Save on interest charges and own your home faster. SmartMortgage links your home loan to a current account. You can offset the interest earned on your current account against your home loan interest enabling you to pay off your home loan sooner.
• SIBOR-pegged interest rates: Peg your interest rate to market through our Singapore Interbank Offered Rate (SIBOR) based package. You also have the flexibility to opt for the loyalty scheme that gives you an interest rate discount^#, year on year.

Option of repayment due dates

If you are not servicing your loan through CPF, you can choose your preferred repayment due date, either on the 1st, 10th, 15th, 20th or 25th of the month. This flexibility allows you to time your repayment due date to the dates you receive your salary or rental income.