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Two-In-One Home Loan
Enjoy both fixed and floating rate packages in one loan
Customise your home loan according to your needs
Finance the home of your dreams with Two-in-one Home Loan and enjoy the flexibility to customise your home loan according to your needs. Enjoy the best of both worlds by having part of your loan amount under a fixed rate package for a peace of mind, and also benefit from the interest of a floating rate package for the remaining loan amount.
|
Prevailing |
Exclusive 3M SORA |
|
|---|---|---|
|
Option A |
30% of loan amount |
70% of loan amount |
|
Option B |
40% of loan amount |
60% of loan amount |
|
Option C |
50% of loan amount |
50% of loan amount |
|
More Options to Choose From |
||
|
Option D |
60% of loan amount |
40% of loan amount |
|
Option E |
70% of loan amount |
30% of loan amount |
Here’s how it works:
Illustration 1
John chooses Option C, with 50% under a 2-year fixed rate package and the remaining 50% under the floating rate package.
2-Year Fixed Rate |
Floating Rate with 2-Year Lock-In |
Blended Interest Rate |
|
|---|---|---|---|
|
Year 1 |
4.00% | 4.357% (3M SORA + 0.75%) |
4.1785% |
|
Year 2 |
4.00% | 4.357% (3M SORA + 0.75%) |
4.1785% |
|
Thereafter |
4.607% (3M SORA +1.00%) |
4.357% (3M SORA + 0.75%) |
4.482% |
Illustration 2
Benny chooses Option A, with 30% under a 2-year fixed rate package and the remaining 70% under the floating rate package.
2-Year Fixed Rate |
Floating Rate with 2-Year Lock-In |
Blended Interest Rate |
|
|---|---|---|---|
|
Year 1 |
4.00% | 4.357% (3M SORA + 0.75%) |
4.2499% |
|
Year 2 |
4.00% | 4.357% (3M SORA + 0.75%) |
4.2499% |
|
Thereafter |
4.607% (3M SORA +1.00%) |
4.357% (3M SORA + 0.75%) |
4.432% |
3M SORA refers to the 3-Month Compounded Singapore Overnight Rate Average (SORA) that is published on MAS website. As at 3 May 2023, it is 3.607% p.a. Find out more on 3M SORA.
The blended interest rate may change as the portion of loan under the floating rate package is subject to interest rate fluctuations
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Terms and conditions apply.
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Terms and Conditions
- Applicable for published 2-Year or 3-Year fixed rate packages paired with the exclusive Two-In-One Home Loan
- Applicable for home loan amount of S$300,000 and above
- Applicable for completed residential properties in Singapore (Resale and Refinancing from another financial institution or HDB)
- Applicable for online/offline and direct/indirect applications via DBS/POSB website
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