Before purchase of any property or putting down any money as
option money for Option To Purchase a property, kindly check the indicative
valuation for the property you are intending to buy. It is also good to
check the indicative valuation of a property before making any offer as
you will then have a rough idea how much is the bank valuing a property for loan
calculation. We can help you get a verbal indicative valuation, simply sms property details to Mr. Vincent Tan
- Hp : 96816288 or email : janvin@singnet.com.sg
The valuation of a property will affect the amount of loan
you can get for the property other than other factors like your current CPF
amount available for house purchase, your monthly CPF contributions, your age,
your income level, your current monthly debt repayments, your employment and also bank loan
policy at the time of application and approval of housing loan.
(Note : You have to come out cash for amount above valuation.)
Most banks give a loan rate of about 70-90% of valuation or sale
price (whichever is lower) for Singaporeans and 60-80% of valuation or sale price (whichever is lower) for
foreigners.
Are you looking for housing loan or refinancing your housing loan? We can be of
assistance as we have contacts with various banks to help you on your housing
loan. We can help you check the indicative valuation of a property for free, get
the housing loan Approval In Principle and assist you on applying for Bridging
Loan, simply call / sms Vincent Tan - Hp : 96816288 or email : janvin@singnet.com.sg
Mr Vincent Tan, is the agency director in charge of
Anderson Property Consultants Pte Ltd (License Housing Agency No:
041-3009573A), and has been assisting Singapore property owners since 1995. He
has went through the good times and bad times since graduating with B.B.A. (NUS)
in 1994. You can rest assured that he will be still in real estate agency
business and mortgage referral business even after many housing agents are forced out of the industry in bad
times. Would you prefer to have a property agent who will always be around to
provide real estate services to help you in your property needs or part-time
property agents or housing agents who may not be
around after few years? Call for assistance in finding and selling property
today !
Free & Fast Response !
Call / SMS Singapore Housing Loan -
Vincent Tan Hp: 65-96816288 / Email: janvin@singnet.com.sg
Singapore Housing Loan Table Guide
/ Sg Home Loan Guide
* Subject to
updates, changes & terms,
not all home loan packages are displayed for competitive reasons. Contact
Vincent 96816288 for updated rates.
Bank
Property Type (HDB / Private - Completed / UnCompleted)
Housing Loan Package
Lock In Period
Minimum Loan Amt (SGD)
Full Redemption Penalty
Partial Repayment Min Amt
Partial Repayment Max Amt
Home Fire Insurance
Legal Fees Subsidy
POSB / DBS
HDB - Completed - New Purchase
Loan Amt < 80% of Valuation
Yr 1 Sibor + 0.5%
Yr 2 Sibor + 1%
Yr 3 Sibor + 1.25%
>Yr 4 Sibor + 1.25%
Loan Amt < 80% of Valuation
Yr 1 1.75% (Prime - 2.50%)
Yr 2 1.75% (Prime - 2.5%)
Yr 3 2.75% (Prime - 1.5%)
>
Yr 4 3.25% (Prime - 1%)
DBS Prime = 4.25% p.a.
Loan Amt > 80% but < 90% of Valuation
Yr 1 2.49% Sibor Fixed Rate
Yr 2 2.59% Sibor Fixed Rate
Yr 3 2.69% Sibor Fixed Rate
>Yr 4 Sibor + 1.75%
*subject to offer, updates & variations, contact us.
3 yrs
$100,000
1.5%
(Waiver of commitment fee if loan is redeemed due to sale of property,
0.25% admin fee payable)
$10,000
No Max
Free 1st yr
0.5% Loan Amt or Max $2.5K
OCBC
HDB or
Private - Completed - New Purchase
Loan Amt < 80% of Valuation
Year 1 - SOR + 0.65% (approx
1.22%)
Year 2 - SOR + 0.85% (approx 1.42%)
Year 3 - SOR + 1.25% (approx 1.82%)
Swap Offer Rate, SOR - 0.574%
Loan Amt < 90% of Valuation
SOR + 1.25%
*subject to offer, updates & variations, contact us.
3 yrs
Min $100K- HDB, Min $200K -
Private
1.5%
$5,000
Subject To Terms
Free 1st yr
0.4% of Loan Amt or max $2K
HSBC
HDB or Private - Completed - New Purchase
Loan Amt < 80% of Valuation
Yr 1 3M SIBOR + 1.1%
Yr 2 3M SIBOR + 1.1%
Yr 3 3M SIBOR + 1.1%
>Yr 4 3M SIBOR + 1.1%
Loan Amt < 80% of Valuation
Yr 1 3M SIBOR + 1.2%
Yr 2 3M SIBOR + 1.1%
Yr 3 3M SIBOR + 1%
>Yr 4 3M SIBOR + 1%
*subject to offer, updates & variations, contact us.
No
$100,000 (HDB)
$200,000 (Private)
1.5%
$10,000
Subject To Terms
Free 1st yr
0.5% of Loan Amt or max $2K for HDB & Private
Maybank
HDB or Private - Completed - New Purchase
Loan Amt > 50% < 80% of Valuation
Yr 1 1.6% Board Fixed Rate
Yr 2 2.2% Board Fixed Rate
Yr 3 2.9% Board Fixed Rate
>Yr 4 3.75% SRFR Rate
*subject to offer, updates & variations, contact us.
3 yrs
No Minimum
1.5%
$10,000
Subject To Terms
Free 1st yr
0.5% of Loan Amt or max $2K for HDB & Private
Std Chartered
HDB or Private - Completed - New Purchase
Loan Amt < 80% of Valuation
Yr 1 1.65% Fixed Rate
Yr 2 2% Fixed Rate
Loan Amt < 80% of Valuation
Yr 1 1.7% Fixed Rate
Yr 2 Sibor+1.3% Fixed Rate
*subject to offer, updates & variations, contact us.
2 yrs / 1 yr
$200,000
1.5%
$10,000
Subject To Terms
Free 1st yr
0.5% of Loan Amt or max $2K for HDB & Private
* Notes :-
1.
Above information are subject to changes &
terms. Bank packages may differ among individuals due to differences in
earnings, debt, age, CPF, savings etc.
2.
Most banks have approx 0.25% admin fee & 1.5%
cancellation fees for not taking up property loan at point prior to
disbursement
3.
We can assist you for free in getting indicative valuation from banks or
tailoring a housing loan that suits your home loan needs. Due to competition
reasons, not all home loan packages are shown above. Please contact
Vincent Tan - Hp: 65-96816288 / email : janvin@singnet.com.sg for updated rates.
4.
Usual Housing Loan Documents required are : NRICs of borrowers, latest 2
years Income Tax Notice of Assessment (for self-employed), latest year’s
Income Tax Notice of Assessment or latest 6 months computerized payslips
(for employees), latest 6 months CPF Contribution History, CPF Balance
Statement (if CPF is to be used for upfront payments), Option to
Purchase.
Disclaimer : Information provided is
subject to updates, changes and is used as a guide only and not as any loan agreement
offer. We disclaim all liabilities & responsibilities for information
provided, No warranties or guarantees are given by us in any way by
assumption or indirect consent.
Free & Fast Response !
Call / SMS Sg Housing Loan -
Vincent Tan Hp: 65-96816288 / Email: janvin@singnet.com.sg