JustProp.sg

Best Home Loans

Updated Jun 2024.

Compare rates instantly across 12 banks!

Enjoy subsidies up to $2,800 (for refinancing) + HIGHEST bonus cash vouchers (for both new loan & refinancing) when you get a home loan through us!

Compare Best Rates

1-Month SORA

First Year Interest

4.04%

1M SORA

+

0.33%

Second Year Interest

4.24%

1M SORA

+

0.53%

2 years lock-in

Minimum $1,000,000

Features

(Minimum loan amount requirement applies)

Year 1: 1M SORA + 0.33%

Year 2: 1M SORA + 0.53%

Year 3: 1M SORA + 0.63%

Thereafter: 1M SORA + 1.00%

– 100% Waiver of penalty due to sale

– Partial repayment allowed (up to 30% of initial loan amount)

– One time free conversion that can be exercised anytime

– Smart mortgage (up to 70% interest offset)

Cash rebate For refinancing only

Loan amount above 500K – $2,000

Loan amount above 1.5M – $2,500

3-Month SORA (Private)

First Year Interest

4.06%

3M SORA

+

0.40%

Second Year Interest

4.06%

3M SORA

+

0.40%

0 years lock-in

Minimum $1,000,000

Features

(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.40%

Year 2: 3M SORA + 0.40%

Year 3: 3M SORA + 0.40%

Year 4: 3M SORA + 0.40%

Thereafter: 3M SORA + 0.60%

– 2 free conversions, 1st time after 1st loan disbursement and before TOP, 2nd time anytime after TOP

– No need to pay bank’s fire insurance for MCST property

– Waiver of penalty due to sale

3-Month SORA (Priority Banking)

First Year Interest

4.06%

3M SORA

+

0.40%

Second Year Interest

4.06%

3M SORA

+

0.40%

0 years lock-in

Minimum $1,000,000

Features

(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.40%

Year 2: 3M SORA + 0.40%

Year 3: 3M SORA + 0.40%

Year 4: 3M SORA + 0.40%

Thereafter: 3M SORA + 0.70%

– One free conversion anytime

3-Month SORA

First Year Interest

4.06%

3M SORA

+

0.40%

Second Year Interest

4.06%

3M SORA

+

0.40%

0 years lock-in

Minimum $800,000

Features

(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.40%

Year 2: 3M SORA + 0.40%

Year 3: 3M SORA + 0.40%

Year 4: 3M SORA + 0.40%

Thereafter: 3M SORA + 1.00%

– One free conversion within 6 months from TOP

– No valuation fee

3-Month SORA (Private)

First Year Interest

4.06%

3M SORA

+

0.40%

Second Year Interest

4.06%

3M SORA

+

0.40%

0 years lock-in

Minimum $900,000

Features

(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.40%

Year 2: 3M SORA + 0.40%

Year 3: 3M SORA + 0.40%

Year 4: 3M SORA + 0.40%

Thereafter: 3M SORA + 0.60%

– 2 free conversions, 1st time after 1st loan disbursement and before TOP, 2nd time anytime after TOP

– Wavier of penalty due to sale

3-Month SORA

First Year Interest

4.11%

3M SORA

+

0.45%

Second Year Interest

4.11%

3M SORA

+

0.45%

0 years lock-in

Minimum $1,000,000

Features

(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.45%

Year 2: 3M SORA + 0.45%

Year 3: 3M SORA + 0.50%

Year 4: 3M SORA + 0.50%

Thereafter: 3M SORA + 0.80%

– One free conversion anytime

3-Month SORA

First Year Interest

4.11%

3M SORA

+

0.45%

Second Year Interest

4.11%

3M SORA

+

0.45%

0 years lock-in

Minimum $1,000,000

Features

(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.45%

Year 2: 3M SORA + 0.45%

Year 3: 3M SORA + 0.45%

Year 4: 3M SORA + 0.45%

Thereafter: 3M SORA + 0.70%

– Two free conversions valid from 1st loan disbursememt to 6 months after TOP

– Waiver of cancellation fee due to sale

1-Month SORA (Private)

First Year Interest

4.11%

1M SORA

+

0.40%

Second Year Interest

4.11%

1M SORA

+

0.40%

0 years lock-in

Minimum $1,000,000

Features

(Minimum loan amount requirement applies)

Year 1: 1M SORA + 0.40%

Year 2: 1M SORA + 0.40%

Year 3: 1M SORA + 0.40%

Year 4: 1M SORA + 0.40%

Thereafter: 1M SORA + 0.60%

– 2 free conversion from 1st disbursement to 3 mths after TOP

– Up to 50% repayment of original loan amount within first 4 years from 1st disbursement

3-Month SORA (Green Mortgage) (Private)

First Year Interest

4.11%

3M SORA

+

0.45%

Second Year Interest

4.11%

3M SORA

+

0.45%

2 years lock-in

Minimum $300,000

Features

(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.45%

Year 2: 3M SORA + 0.45%

Year 3: 3M SORA + 0.60%

Thereafter: 3M SORA + 1.00%

– One free conversion after 12 months

– 100% waiver of penalty due to sale during lock in period

(Only applicable to selected properties with GREEN MARK certification)

3-Month SORA

First Year Interest

4.16%

3M SORA

+

0.50%

Second Year Interest

4.16%

3M SORA

+

0.50%

2 years lock-in

Minimum $800,000

Features

(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.50%

Year 2: 3M SORA + 0.50%

Year 3: 3M SORA + 0.50%

Thereafter: 3M SORA + 1.00%

– One free conversion after lock in period

Cash rebate for refinancing only

Private loan amount above 500K – $2,000

Private loan amount above 1.0M – $2,500

Private loan amount above 1.5M – $2,800

HDB loan amount above 250K – $2,000

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