Maybank 7 July, 2020

Maegan Chia 9395 8548

Maybank Housing Loan Rates

▪FOR COMPLETED PROPERTIES▪ ▪FOR BUC PROPERTIES▪

🔸3M SIBOR PACKAGE🔸 🔸3M SIBOR PACKAGE🔸

Year 1: 3M SIBOR + 0.85% Year 1: 3M SIBOR + 0.85%
Year 2: 3M SIBOR + 0.85% Year 2: 3M SIBOR + 0.85%
Thereafter: 3M SIBOR + 1.25% Thereafter: 3M SIBOR + 1.25%
Lock-in 1 year 1 x free conversion
No lock-in

No valuation reported needed

🔸2 YEARS FIXED RATES PACKAGE🔸

Years 1 - 2: 1.50% (FIXED) 🔸BOARD RATE PACKAGE🔸
Thereafter: 2.75% (SRFR2 - 2.10%) Year 1-3: 1.60% (SRFR2 - 3.25%)
-Lock-in 2 years_ Thereafter: 1.85% (SRFR2 - 3%)
1 x free conversion
No lock-in
🔸3 YEARS FIXED RATES PACKAGE🔸 No valuation reported needed
Year 1 - 3: 1.50% (FIXED)
Thereafter: 2.75% (SRFR2 - 2.10%) *SRFR2 is currently at 4.85%
Lock-in 3 years

🔸4 YEARS FIXED RATES PACKAGE🔸

Years 1 - 4: 1.50% (FIXED)
Thereafter: 2.75% (SRFR2 - 2.10%)
Lock-in 4 years

🔸5 YEARS FIXED RATES PACKAGE🔸

Years 1 - 5: 1.50% (FIXED)

Thereafter: 2.75% (SRFR2 - 2.10%)
Lock-in 5 years

🔸BOARD RATE PACKAGE🔸

Year 1-3 1.60% (SRFR2 - 3.25%)
Thereafter: 1.85% (SRFR2 - 3%)
Lock-in 2 years

🔹Cash Gift for Refinancing🔹

0.4% of loan amount capped @ $2,000
Clawback period of 3 years
UOB 9 July, 2020
Fabian Lee 9842 9684
Caren Wong 9889 8183
Licia Lim 9129 5059

New UOB Loan Packages For PTE Residential Properties

Applicable to New Purchases / Refinancing of Completed Properties

Remarks T&C's apply, subject to min loan size. For a limited period only

Package 3Y Fixed Flex 2Y Fixed (Limited Tranche) Special 2in1 SIBOR Combo (Limited Offer)

Lock In Period 3 Years 2 Years

Rates Y1 1.50% (Fixed) 1.40% (Fixed)

Y2 1.50% (Fixed) 1.40% (Fixed)
Y3 1.50% (Fixed) 1.50%~ Speak to us to find out more!
Y4 1.80%~ 1.50%~
Y5 1.80%~ 1.50%~
Thereafter 1.80%~ 1.80%~
~MLCR + 0.95% ⌃MLCR + 0.65%
~MLCR + 0.95%
Additional Benefits
Free Conversion 1x After 12 Months 1x After 12 Months -

Partial Prepayment during Lock-in 1.5% on Prepaid amount Yes* -

Full Redemption Fee 1.5% on redeemed amount

Full penalty waiver due to sale Yes T&C's apply -

Applicable to New Purchases of Building Under Construction (BUC) Properties

Remarks T&C's apply, subject to min loan size. For a limited period only

Package Variable (Limited Tranche) Variable

Lock In No Lock-in No Lock-in

Rates Y1 1.35%~ 1.60%*

Y2 1.35%~ 1.60%*
Y3 1.35%~ 1.60%*
Thereafter 1.80%+ 1.60%*
~MLCR + 0.50% *MLCR + 0.75%
+MLCR + 0.95%

Additional Benefits
2x
Free Conversion 1x from disbursement to TOP,
1x anytime after TOP.

Partial Prepayment during Lock-in Allowed

Waived if due to sale of property.

Cancellation Fee otherwise, 0.75% of undisbursed amount.

Important Notice:
•Above rates quoted are indicative.
•Rates are subject to changes without prior notice.
•Rates and benefits will only confirmed upon issurance of Letter of
offer.
•Reference rate for MLR = 0.85% p.a.
•For full terms and conditions and other important information, please
refer to
www.uob.com.sg/homeloans

DBS
Katherine Seah 9767 6765
Angela Au 9180 1136
Ken Leong 98537271

DBS Home Loan for Private Residential Properties (rates of 1 June 2020 till further notice)

Packages BUC Rates 2 Years Fixed 3 Years Fixed 5 Years Fixed

Year 1
1.5% p.a. (fixed)
FHR24 + 0.45%
1.5% p.a. (fixed)
Year 2 (all-in 1.35% p.a)
1.5% p.a. (fixed)
Year 3
"FHR24 + 0.9%
(all-in 1.80% p.a)"
Year 4
FHR24 + 0.9% FHR24 + 0.9%
Year 5
(all-in 1.80% p.a) (all-in 1.80% p.a)
FHR24 + 0.9%
Thereafter (all-in 1.80% p.a)

Commitment Period NA 2 Years 3 Years 5 Years

Min Loan Amt $300, 000 $100,000 $100,000 $100,000

One-time free conversion (After 12

Others 2x free conversions One-time free conversion (After lock-in) One-time free conversion (After 12 mths from 1st disbursement)
mths from 1st disbursement)

Important Information

1. Please note that this does not constitute an offer of any facility by DBS Bank

2. FHR24 refers to Fixed Deposit home Rate 24. This is calculated based on the prevailing twenty four (24) months Singapore dollar fixed deposit interest
rate of DBS Bank for amounts within S$1,000 to S$9,999 or such other sum as we may specify.

3. Credit facilities are granted at the sole discretion of DBS Bank. Terms & Conditions apply.

4. The Bank may vary the interest rate from time to time without giving prior notice.
Citibank
Eugene Ho 9423 6026 (Mortgage Loan)
Desmond Choo 9106 1060 (SME Loan)
Derrick Ng 8322 2724 (Personal & Card Loan)

New Purchase/ Refinancing of Completed Private Residential Properties Fixed Rates Pricing Packages

Package Types 2 Years Fixed Rates

Segments Citi-Banking Citigold Citi Private Client
Lock in Period 2 Years (Interest Expiry 30 Sep 2022)

Year 1 1.57% (Fixed) 1.40% (Fixed) 1.37% (Fixed)

Year 2 1.57% (Fixed) 1.40% (Fixed) 1.37% (Fixed)
Year 3 SIBOR + 0.75% SIBOR + 0.55% SIBOR + 0.50%
Post-Promotional Period SIBOR + 0.75% SIBOR + 0.55% SIBOR + 0.50%
Minimum Loan Amount S$750, 000

Legal Subsidy 0.20% of loan amount capped at S$2500 (only for Refinancing)
Full Redemption Fee within lock-in period 1.5% of loan outstanding
Partial Redemption Fee during lock-in period 1.5% of amount prepaid

Package Types 3 Years Fixed Rates

Segments Citi-Banking Citigold Citi Private Client

Lock in Period 3 Years (Interest Expiry 30 Sep 2023)
Year 1 1.65% (Fixed) 1.48% (Fixed) 1.45% (Fixed)
Year 2 1.65% (Fixed) 1.48% (Fixed) 1.45% (Fixed)

Year 3 1.65% (Fixed) 1.48% (Fixed) 1.45% (Fixed)

Post-Promotional Period SIBOR + 0.75% SIBOR + 0.65% SIBOR + 0.55%
Minimum Loan Amount S$750, 000
Legal Subsidy 0.20% of loan amount capped at S$2500 (only for Refinancing)
Full Redemption Fee within lock-in period 1.5% of loan outstanding

Partial Redemption Fee during lock-in period 1.5% of amount prepaid

Package Types 5 Years Fixed Rates (For a limited Tranche only)

Segments Citi-Banking Citigold Citi Private Client

Lock in Period 5 Years (Interest Expiry 30 Nov 2025)

Year 1 1.52% (Fixed) 1.50% (Fixed) 1.48% (Fixed)

Year 2 1.52% (Fixed) 1.50% (Fixed) 1.48% (Fixed)

Year 3 1.52% (Fixed) 1.50% (Fixed) 1.48% (Fixed)

Year 4 1.52% (Fixed) 1.50% (Fixed) 1.48% (Fixed)

Year 5 1.52% (Fixed) 1.50% (Fixed) 1.48% (Fixed)

Post-Promotional Period SIBOR + 1.27% SIBOR + 0.90% SIBOR + 0.85%

Minimum Loan Amount S$750, 000
Legal Subsidy 0.20% of loan amount capped at S$2500 (only for Refinancing)

Full Redemption Fee within lock-in period 1.5% of loan outstanding

Partial Redemption Fee during lock-in period 1.5% of amount prepaid

The above packages for minimum loan size of S$750,000

Package Types Floating

Segments Citi-Banking Citigold Citi Private Client

Lock in Period 2 Years

Year 1 SIBOR + 1.27% SIBOR + 1.05% SIBOR + 1.0%

Year 2 SIBOR + 1.27% SIBOR + 1.05% SIBOR + 1.0%

Year 3 SIBOR + 1.27% SIBOR + 1.05% SIBOR + 1.0%

Post-Promotional Period SIBOR + 1.27% SIBOR + 1.05% SIBOR + 1.0%

Minimum Loan Amount S$750, 000

Interset offset^ 50%
Free SIBOR tenures switching Flexibility to choose between 1 & 3 months SIBOR (Only applicable for flaoting packages)

Legal Subsidy 0.20% of loan amount capped at S$2500 (only for Refinancing)

Full Redemption Fee within lock-in period 1.5% of loan outstanding

Partial Redemption Fee during lock-in period 1.5% of amount prepaid

The above packages for minimum loan size of S$750,000. For other loan size pricing packages, please contact our Mortgage Advisors.

Benefits of Mortgage Loan Interest Offset^ Feature

Interests earned on deposits in checking account is offset against mortgage loan interest payments.

*Deposit Insurance Scheme

The Singapore Deposit Insurance Corporation insures Singapore dollars deposits of non-bank depositors, for up to S$75,000 in aggregate per depositor
per Scheme member by law.

Important Information
The information here is indicative and for your reference only. The final terms relating to the Citibank Home Saver loan will be set out in the Bank's facility
letter and the Citibank Home Saver Terms & Conditions. While every effort has been made to ensure that the information provided is correct, the Bank shall not
be liable for any damage or loss that may caused to anyone because of any error or omission in the information or as a result of reliance on or interpretation of
any part of the information. The bank shall have the absolute discretion to approve or reject any application for Citibank Home Saver loan without providing any
reason whatsoever.

OCBC
Lauren Lim 8118 5331
Facqueline Wang 9388 1441
Florence Liu 8818 3338

Mortgage Board Rate 1-year lock-

OCBC Home Loan (Completed) Fixed 2-year lock-in period 3M SIBOR-pegged 2-year lock in period
in period
Year 1 1.55% (Fixed) 3-Month + 1.00% 1.58% (MR + 0.58%)

Year 2 1.55% (Fixed) 3-Month + 1.00% 1.58% (MR + 0.58%)

Year 3 1.75% (MR + 0.75%) 3-Month + 1.00% 1.75% (MR + 0.75%)

Thereafter 1.95% (MR + 0.95%) 3-Month + 1.00% 1.95% (MR + 0.95%)

• Completely transparent rate · Stability of instalment with
• Stable monthly instalment for the first
• The SIBOR rate will be revised once every 3 months flexibility of prepayment if there is no
2 years with fixed interest rates
Key features • Flexibility to prepay up to 50% of the loan amount within the change to the Mortgage Board Rate
• Free conversion in the event of an
lock-in period as long as the prepayment takes place on a rate · Free conversion in the event of
increase in Mortgage Rate (MR)
review date an increase in Mortgage Rate (MR)

SIBOR The 3-Month Singapore Interbank Offered Rate (SIBOR) stands at 0.56% as of 6th June 2020

Mortgage Rate (MR) is a bank-managed rate and currently stands at 1.00% p.a.
Mortgage Rate (MR)
Should this rate be changed, 30 days’ notice will be given and you will have the flexibility to switch to any package we offer at no cost.

This email (including the packages listed above) is not to be construed as an offer, representation or inducement to you or to any other party;
and
Others
· Terms and conditions apply.
· The loan packages in this email may change from time to time subject to the bank’s discretion
 This email (including the packages listed above) is not to be construed as an offer, representation or inducement to you or to any other party;
and
Others
· Terms and conditions apply.
· The loan packages in this email may change from time to time subject to the bank’s discretion

3M SIBOR-pegged Mortgage Board Rate

OCBC Home Loan (BUC)
No lock-in period No lock-in period
Year 1 3-Month + 0.80% 1.50% (MR + 0.50%)

Year 2 3-Month + 0.80% 1.60% (MR + 0.60%)

Year 3 3-Month + 0.80% 1.60% (MR + 0.60%)

Year 4 3-Month + 0.80% 1.75% (MR + 0.75%)

Thereafter 3-Month + 0.80% 1.95% (MR + 0.95%)

HSBC
Mortgage Sales Managers
Evelyn Cheng 9660 8830
Aileen Lee 9631 4220
Melvin Lim 9665 2390

Strategic Business Aliance

Jacqueline Tan 9139 2943
Christine Lim 8798 1438

HSBC Mortgage Packages - Singapore Residential Property Loan

Completed Properties Completed Properties

New Purchase / 2 Year Fixed Rate 3 Year Fixed Rate
Refinancing 2 Year Lock In 3 Year Lock In
Premier Advance Premier Advance
Min Loan Amount S$800, 000 S$200, 000 S$800, 000 S$200, 000

Year 1 1.45% Fixed 1.55% Fixed 1.45% Fixed 1.55% Fixed

Year 2 1.45% Fixed 1.55% Fixed 1.45% Fixed 1.55% Fixed

Year 3 SIBOR + 1.00% SIBOR + 1.00% 1.45% Fixed 1.55% Fixed

Thereafter SIBOR + 1.00% SIBOR + 1.00% SIBOR + 1.00% SIBOR + 1.00%

New Purchase / Completed Properties BUC Property

Refinancing 2 Year Lock In No Lock In
Premier Advance Premier Advance
Min Loan Amount S$800, 000 S$200, 000 S$800, 000 S$200, 000

Year 1 SIBOR + 1.00% SIBOR + 1.05% SIBOR + 1.00% SIBOR + 1.05%

Year 2 SIBOR + 1.00% SIBOR + 1.05% SIBOR + 1.00% SIBOR + 1.05%

Year 3 SIBOR + 1.00% SIBOR + 1.05% SIBOR + 1.00% SIBOR + 1.05%

Thereafter SIBOR + 1.00% SIBOR + 1.05% SIBOR + 1.00% SIBOR + 1.05%

Note:
* For Deferred Payment Scheme (DPS), the pricing will be additional 5bps throughout the loan tenor
* All Promotional Packages are valid until 31 July 2020, or anytime earlier at Bank's discretion

HSBC Mortgage Packages - Singapore Residential Property Loan

* Refinancing Promotion - Singapore Residential Properties
> Receive Cash Incentive1 if you refinance a home loan or home equity loan from other bank to HSBC or unencumbered MWL by 31 Dec 2020

Min Loan Size Cash Incentive

S$2000, 000 to less than S$500, 000 S$1,000

S$500, 000 tp less than S$1, 500, 000 S$2,000

S$1,500,000 and above S$2,500

Law Firms
Anthony Law Corporation Jason Koh 8100 0888
Capital Law Corporation Erik Lee 9001 9319
CK Tan Law Corporation Joyce Tan 9387 2315