Bedroom:
Sqaure Feet:
Bathroom:
Parking/Garage: Property Age (years): Tenure: Available Date: immediate
Are you a Property Agent?: No, I am NOT an agent
Address:
Ad Description: Hi,

Below are the new packages we are offering now. 2 years fixed rate for HDB and Private resi is best in town at the moment. 2.18% fixed for first year and 2.49% fixed for second year.

Please feel free to browse through the packages.

Agent Referral: HDB 0.3% of total loan amount caps at 2k
: Pte 0.15% of total loan amount caps at 10k

Services

Refinancing
-
Re-Mortgage to our bank for a lowest interest rate & enjoy better saving
Approval-in-principle (without any fee incur)
-
AIP for client who wants to know his eligibility for housing loan
New purchase loan
-
Housing loan for a property purchase
Overdraft (Private)
-
Prepare a readily cash from your existing property for rainy days
Equity loan (Private)
-
Cash out from your existing property for cash flow.
Bridging loan
-
Bridge over the cash & CPF used on existing property to new purchase with a housing loan
Standalone bridging
-
Bridge over the cash & CPF proceed from selling off existing property to new purchase





SIBOR Packages

The options of the packages that we offer for your consideration are as follows:-

Completed Private Residential (up to 80% financing):






3M / 12M SIBOR
Min 100K
No lock in
3M / 12M SIBOR
Min 100K
1yr lock in

3M / 12M SIBOR
Min 100K
2yrs lock in

Year 1
SIBOR + 1.25%
SIBOR + 1.15%
SIBOR + 1.15%

Year 2
SIBOR + 1.25%
SIBOR + 1.25%
SIBOR + 1.15%

Year 3
SIBOR + 1.25%
SIBOR + 1.25%
SIBOR + 1.25%

Thereafter
SIBOR + 1.25%
SIBOR + 1.25%
SIBOR + 1.25%


Completed Private Residential (81% to 85% financing):






3M / 12M SIBOR
Min 100K
No lock in
3M / 12M SIBOR
Min 100K
1yr lock in

3M / 12M SIBOR
Min 100K
2yrs lock in

Year 1
SIBOR + 1.85%
SIBOR + 1.75%
SIBOR + 1.75%

Year 2
SIBOR + 1.85%
SIBOR + 1.85%
SIBOR + 1.75%

Year 3
SIBOR + 1.85%
SIBOR + 1.85%
SIBOR + 1.85%

Thereafter
SIBOR + 1.85%
SIBOR + 1.85%
SIBOR + 1.85%


Benefits
§ Mortgage loan interest rate is fixed every 3 or 12 months to reflect actual market conditions
§ Full pricing transparency (SIBOR is published in Business Times) and you can benefit from decreasing market interest rates
§ No lock-in period (to certain package above)
§ No fees or restrictions on partial or full prepayment (subject to serving required notice period)
§ One-time waiver of $500 conversion fee to any prevailing package (to certain package above)
§ 0.5% legal subsidy up to $2,000
§ Free first year fire insurance
§ Free indicative valuation to assess current market value



Completed HDB (up to 80% financing):








3M / 12M SIBOR
Min 100K
No lock in


3M / 12M SIBOR
Min 250K
No lock in
3M / 12M SIBOR
Min 250K
1yr lock in



3M / 12M SIBOR
Min 250K
2yrs lock in




Year 1
SIBOR + 1.40%
SIBOR + 1.25%
SIBOR + 1.15%
SIBOR + 1.15%

Year 2
SIBOR + 1.40%
SIBOR + 1.25%
SIBOR + 1.25%
SIBOR + 1.15%

Year 3
SIBOR + 1.40%
SIBOR + 1.25%
SIBOR + 1.25%
SIBOR + 1.25%

Thereafter
SIBOR + 1.40%
SIBOR + 1.25%
SIBOR + 1.25%
SIBOR + 1.25%



Completed HDB (from 81% to 85% financing):


3M / 12M SIBOR
Min 100K
No lock in


3M / 12M SIBOR
Min 250K
No lock in
3M / 12M SIBOR
Min 250K
1yr lock in



3M / 12M SIBOR
Min 250K
2yrs lock in



Year 1
SIBOR + 2.00%
SIBOR + 1.85%
SIBOR + 1.75%
SIBOR + 1.75%
Year 2
SIBOR + 2.00%
SIBOR + 1.85%
SIBOR + 1.85%
SIBOR + 1.75%
Year 3
SIBOR + 2.00%
SIBOR + 1.85%
SIBOR + 1.85%
SIBOR + 1.85%
Thereafter
SIBOR + 2.00%
SIBOR + 1.85%
SIBOR + 1.85%
SIBOR + 1.85%


Benefits
§ Mortgage loan interest rate is fixed every 3 or 12 months to reflect actual market conditions
§ Full pricing transparency (SIBOR is published in Business Times) and you can benefit from decreasing market interest rates
§ No lock-in period (to certain package above)
§ No fees or restrictions on partial or full prepayment (subject to serving required notice period)
§ One-time waiver of $500 conversion fee to any prevailing package (to certain package above)
§ 0.5% legal subsidy up to $2,000
§ Free fire insurance for life of loan
§ Free indicative valuation to assess current market value (for refinance of HDB case)

Building Under Construction for Private residence & HDB

Term
BUC


Min Loan size
(up to 80% loan size)
(81% to 85% loan size)

Year 1
3-m SIBOR +1.25%
3-m SIBOR +1.85%

Year 2
3-m SIBOR +1.25%
3-m SIBOR +1.85%

Year 3
3-m SIBOR +1.25%
3-m SIBOR +1.85%

Thereafter
3-m SIBOR +1.25%
3-m SIBOR +1.85%

** for HDB BUC min $250K and Private Min $100K

Benefits
§ Mortgage loan interest rate is fixed every 3 or 12 months to reflect actual market conditions
§ Full pricing transparency (SIBOR is published in Business Times) and you can benefit from decreasing market interest rates
§ No lock-in period
§ No fees or restrictions on partial or full prepayment (subject to serving required notice period)
§ One-time waiver of $500 conversion fee to any prevailing package
§ 0.5% legal subsidy up to $2,000
§ Free first year fire insurance
§ Free indicative valuation to assess current market value


Fixed Package

Fixed Package for HDB & private residence

Term
Fixed Rate

2- years fixed
(2 – year lock-in)
3- year fixed
(3 year lock-in)
Min Loan size
$100k (80% loan size)
$100k (80% loan size)
1St year
2.18%(fx)
3.58%(fx)
2nd year
2.49%(fx)
3.58%(fx)
3rd year
3-m SIBOR +1.25%
3.58%(fx)
4th years onwards
3-m SIBOR +1.25%
3-m SIBOR +1.25%

Term
Fixed Rate

2- years fixed
(2 – year lock-in)
3- year fixed
(3 year lock-in)
Min Loan size
$100k (81% to 85% loan size)
$100k (81% to 85% loan size)
1St year
2.78%(fx)
4.18%(fx)
2nd year
3.09%(fx)
4.18% (fx)
3rd year
3-m SIBOR +1.85%
4.18% (fx)
4th years onwards
3-m SIBOR +1.85%
3-m SIBOR +1.85%


Benefits
§ 0.5% legal subsidy up to $2,000
§ Free first year fire insurance (private residential) / Free fire insurance for life of loan (HDB)
§ Free valuation to assess current market value for private residential and HDB refinance

MortgageOne SIBOR (Private Residential Only)

MortgageOne is an interest offsetting package with 2/3 of the deposit amount (max at outstanding principal) earning
an interest equivalent to the housing loan while the rest of the 1/3 earning an interest of 0.5% p.a.

Term
3-month SIBOR (up to 80% financing)
No lock in
3-month SIBOR (up to 80% financing)
1yr lock in
3-month SIBOR (up to 80% financing)
2yrs lock in
Year 1
3m SIBOR + 1.25%
3m SIBOR + 1.15%
3m SIBOR + 1.15%
Year 2
3m SIBOR + 1.25%
3m SIBOR + 1.25%
3m SIBOR + 1.15%
Year 3
3m SIBOR + 1.25%
3m SIBOR + 1.25%
3m SIBOR + 1.25%
Thereafter
3m SIBOR + 1.25%
3m SIBOR + 1.25%
3m SIBOR + 1.25%
** minimum loan size S$200,000.00

Term
3-month SIBOR (up to 81% to 85% financing)
No lock in
3-month SIBOR (up to 81% to 85% financing)
1yr lock in
3-month SIBOR (up to 81% to 85% financing)
2yrs lock in
Year 1
3m SIBOR + 1.85%
3m SIBOR + 1.75%
3m SIBOR + 1.75%
Year 2
3m SIBOR + 1.85%
3m SIBOR + 1.85%
3m SIBOR + 1.55%
Year 3
3m SIBOR + 1.85%
3m SIBOR + 1.85%
3m SIBOR + 1.85%
Thereafter
3m SIBOR + 1.85%
3m SIBOR + 1.85%
3m SIBOR + 1.85%
** minimum loan size S$200,000.00


Benefits
§ Mortgage loan interest rate is fixed every 3month to reflect actual market conditions
§ Full pricing transparency (SIBOR is published in Business Times) and you can benefit from decreasing market interest rates
§ No lock-in period (for certain package)
§ No fees or restrictions on partial or full prepayment (subject to serving required notice period)
§ 0.5% legal subsidy up to $2,000
§ Free first year fire insurance
§ Free indicative valuation to assess current market value

If there are more than one mortgagor I need all parties info and documents.

Thank you very much.

Hope to hear from you soon.

Warmest regards,
Hazel Cheng
Mortagage Banker
Price Solutions, Standard Chartered Group
HP: 94300929
Fax: 67410856
Email: pss-hazel-si-yan.cheng@standardchartered .com
Location: