Yen Kai's Idea Cast

Updated from sources published online as at February 18, 2010
Assuming loan of > 70% to <= 80% of valuation for completed properties
Note: Rates quoted here are just indicative. You may get better deals if you speak to the banks directly

Fixed Rate

Bank C

3 Years Lock-in

Year 1	Year 2	Year 3
1.60%	2.60%	2.90%

 

Variable Rate

Bank A

Year 1	Year 2	Year 3
2.25%	2.25%	3.25%

Bank B

Year 1	Year 2	Year 3
3.50%	3.50%	3.70%

Bank D

Year 1	Year 2	Year 3
2.75% (21 Feb - 3.25%)	2.99% (21 Feb - 3.50%)	3.75%

 

SIBOR / SOR

Bank A

Year 1	Year 2	Year 3
SIBOR + 0.50%	SIBOR + 1.00%	SIBOR + 1.25%

Bank B

Standard: SIBOR + 1.1% (previously +0.70%, +0.90%, 21 Feb 09: +1.25%, 24 Sep 09: SIBOR + 1.75%)

Loyalty Package

Year 1	Year 2	Year 3
SIBOR + 1.2% (previously +0.70%, +0.90%, 21 Feb 09: +1.30%, 24 Sep 09: +1.65%)	SIBOR + 1.1% (previously +0.65%, +0.75%, 21 Feb 09: +1.20%, 24 Sep 09: + 1.55%)	SIBOR + 1% (previously +0.55%, +0.70%, 21 Feb 09: +1.10%, 24 Sep 09: +1.45%)

 

CPF

Bank A

Year 1	Year 2	Year 3
2.5% (CPF Rate + 0%)	2.75% (CPF Rate + 0.25%)	3.0% (CPF Rate + 0.5%)