HDB HOME LOAN as at 23/04/2003


Banks

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6
Onwards

P.R./B.R./F.M.R/
H.S.R./S.B.R./S.H.R.

 
DBS 
>$80K 		1.75%(Fxd)
 2.50%(Fxd)
 		2.55%
 		2.55% 2.55% HSR  

OCBC 
>$30K

 1.50%(Fxd)

2.40%(Fxd)

 2.60%
2.60% 2.60% HSR  

UOB (1)
For New/Existing CP & Card Customers

 1.55%(Fxd)

2.55%(Fxd)

 2.60%
(BR - 2.90%)
2.60%
(BR - 2.90%)
2.60%
(BR - 2.90%)		 2.60%
(BR - 2.90%)

5.5%(B.R)

UOB (Il)

2.00%(Fxd) 2.50%(Fxd) 2.60%
(BR - 2.90%)		 2.60%
(BR - 2.90%)		 2.60%
(BR - 2.90%)		 2.60%
(BR - 2.90%)

5.5%(B.R)

HSBC (l)
$100K -$299K

1.50%
(SHR - 2.00%)

  2.25%
(SHR - 1.25%)

2.50%
(SHR - 1.00%)

2.75%
(SHR - 0.75%)

3.50%(SHR)

 3.50%(SHR) 3.50%(SHR)

HSBC (ll)
>$300K

1.35%
(SHR - 2.15%

  2.25%
(SHR - 1.25%)

2.50%
(SHR - 1.00%)

2.75%
(SHR - 0.75%)

3.50%(SHR)

 3.50%(SHR) 3.50%(SHR)

SCB
>$70K

 1.45%
 2.4125%

 2.65%

 2.65% 2.65% 2.65% 2.65%

SCB
 >$100K /Cash Rebate

 2.00%
2.65%
 2.65% 2.65% 2.65% 2.65% 2.65%

ABN AMRO

1.55%(Fxd) 2.33% 2.33%
 2.60 2.60% 2.60% 2.60%

ABN AMRO

1.55% 2.33% 2.33%
 2.60 2.60% 2.60% 2.60%

Notes: * FxD(Fixed Rate), P.R. (Prime Rate), B.R. (Board Rate), H. S.R. (POSB HDB-Special  Rate),( S.H.R.(Special Housing Rate)         

Banks

Full Redemption

Partial Redemption

Legal Subsidy

Freebies

DBS 1.0% prepayment penalty on orig.loan amount within first 2 years.
 		Not allowed for the 1st year.Up to 20% of the orig. loan amount for the 2nd year.  0.4%  Free fire insurance.
No processing fee.

OCBC

1% prepayment penalty on o/s loan amount within first 3 years.
Package (Ib) - No redemption for penalty.

No penalty,up to 50% of o/s; 3-mth interval.

 

0.4% 

Free 2-yr fire insurance .
Free Valuation and Processing Fee.

UOB

1% prepayment penalty on o/s loan amount within first 2 years.

 

 

 0.4%

.

Free Fire Insurance for 2 yrs.
 No processing fee

 

HSBC

Refund of legal subsidy if redeems within 1st yr from date of final drawdown.

 

 0.5% of HL amt or $3500/-, whichever is lower.


Free Fire Insurance for first year.

SCB

1.5% prepayment penalty on original loan within the first 2 years.

  

 

0.4% without cash rebate package.
No Subsidy with cash rebate
package.

Free fire insurance for 1 yr.
Current account pegged to HL will earn the same interest rate as HL rate to offset HL interest.
Loan Size: > $300K
ABN AMRO 1.5% prepayment penalty of loan amt. No

0.3% of HL Amt, 

Free fire insurance for 1 yr.
* The above rates, and terms and conditions are subject to changes without notification.
* Loan Matters Pte Ltd disclaims any liability for any loss as a result of any error or omission excepted.

Private Residential Property Mortgage Ratess