Singapore Home Loans Rates for the month of 10th April 2012 - Courtesy of Advance Partners Pte Ltd

Banks Fixed/Variable Rates

5 Years Lock In (2+2 with MPM) (for DBS Fixed Package

completed Properties, min loan $100k)

Year 1-2 @ 1.38% Fixed Year 1-2 @ 1.48% Fixed Y1-5 @ 1.99% Year 1 @ 1.38% Fixed Year 1 @ 1.48% Fixed Y1 - 5 @ 1.00% + 3M SIBOR

5 Years Lock In (2 +2 without MPM) 5 Years Lock In 3 Years Lock In (with MPM) 3 Years Lock In (without MPM) SIBOR Package
(for completed properties) Level of Interest Rate Cap @ 1.49% for 1st 3 years for completed abd 1st 2 years for BUC

Year 3-4 @ 1.38% Fixed or 3M SIBOR + 1% Year 3-4 @ 1.48% Fixed or 3M SIBOR + 1% Year 2 @ 1.38% Year 2 @ 1.48% Thereafter 1.25% + 3M SIBOR

Year 5 @ 3M SIBOR + 1.25% Year 5 @ 3M SIBOR + 1.25% Year 3 @ 1.38% Year 3 @ 1.48%

No Lock IN (without MPM)

No Lock IN (With MPM) 2 Years Lock In No Lock In No Lock In No Lock In : Advance (min $100K) No Lock In : Premier (min $800k) No Lock In : Premier High (min $2m) No Lock In : Advance (min $500k)

Y1 - Y3 @ 3M SIBOR + 0.85% Y1 - 3 : 1m/3m SIBOR + 0.75% Y1 -2 @ 1M SIBOR + 0.70% Y1 - 3 @ 3M SIBOR + 0.85% Year 1: 1M/3M SIBOR + 0.8% Year 1: 1M/3M SIBOR + 0.75% Year 1: 1M/3M SIBOR + 0.7%

Y 4-5 @ 3M SIBOR + 1% Thereafter : 1M/3M SIBOR + 1% Y3-4 @ 1M SIBOR + 0.75%

Thereafter 3M SIBOR + 1.25%

SIBOR PPACKAGE BUC BUC with MPM (Interest Cap @

1.88% for the 1st 3 years)

Thereafter 1M SIBOR + 1%

HSBC

SIBOR Package
(completed properties) Min $100k for HDB, $300k for Pte

Year 2: 1M/3M SIBOR + 0.85% Year 2: 1M/3M SIBOR + 0.80% Year 2: 1M/3M SIBOR + 0.75%

Year 3: 1M/3M SIBOR+0.85% Year 3: 1M/3M SIBOR+0.80% Year 3: 1M/3M SIBOR+0.80%

Min $500k for HDB and PTE

(with Interest offset feature)

No Lock In : Premier (min $800k)

Year 1: 1M/3M SIBOR + 0.85% Year 1: 1M/3M SIBOR + 0.8%

Year 2: 1M/3M SIBOR + 0.95% Year 2: 1M/3M SIBOR + 0.90%

Thereafter 1M/3M SIBOR + 1.05%

Thereafter 1M/3M SIBOR + 1.%

BUC SIBOR Package

No Lock In Min $800k (new Purchase) $500k for refinancing): No Lock In Min $1M: No Lock In Min $200k: No Lock In 1 Year Lock In 2 Years Lock In 2 Years Lock In 3 Years Lock In 2 Years Lock In 3 Years Lock In 2 Years Lock In 3 Years Lock In 1 Year Lock In 2 Years Lock In 2 Years Lock In 3 Years Lock In NO LOCK IN NO LOCK IN

Y1 - Y3 : 3M SIBOR + 0.8%

Thereafter 1M/3M SIBOR + 1.25%

Mortgage Deposit Bundle

(require TMD $25k for 6 months)

Year 1: 1M / 3M SIBOR + 0.75% Year 1: 1M / 3M SIBOR + 0.70% Year 1: 1M / 3M SIBOR + 0.80% Year 1 @ 1.68% (Fixed) Year 1 @ 1.58% (Fixed) Year 1: 1.28% (V) Year 1: 1.08% (V) Year 1: SIBOR + 0.88% Year1 SIBOR + 0.78% Year 1: 1.08% (V) Year 1: 1.08% (V) Year 1: 1.48% (Fixed) Year 1: 1.28% (Fixed) Year1 SIBOR + 0.88% Year1 SIBOR + 0.78% Year 1 - 2 : 3M SIBOR + 0.7% Y1 : 0.98%

Year 2: 1M / 3M SIBOR + 0.75% Year 2: 1M / 3M SIBOR + 0.70% Year 2: 1M / 3M SIBOR + 0.80% Year 2 @ 1.88% (V) Year 2 @ 1.88% (Fixed) Year 2: 1.68% (V) Year 2: 1.18% (V) Year2 SIBOR + 1.08% Year2 SIBOR + 0.98% Year 2: 1.38% (V) Year 2: 1.18% (V) Year 2: 1.68% (V) Year 2: 1.58% (Fixed) Year2 SIBOR + 1.08% Year2 SIBOR + 0.98% Y3 - 5: 3M SIBOR + 0.75% Y2: 1.08%

Year 3: 1M/3M SIBOR + 0.75% Year 3: 1M/3M SIBOR + 0.70% Year 3: 1M/3M SIBOR + 0.80% 3 year @ 2.65% (V) 3 year @ 2.65% (Variable) Year 3: 1.98% (V) Year 3: 1.48% (V) Year3 SIBOR + 1.18% Year 3: SIBOR + 1.18% Year 3: 1.78% (V) Year 3: 1.48% (V) Year 3: 2.65% (V) Year 3: 2.65% (V) Year3 SIBOR + 1.18% Year3 SIBOR + 1.08% Thereafter 3M SIBOR + 1% Y3: 1.38% Thereafter @ 3.25% (SRFR less 0.5%)

OCBC

HDB Fixed Package 80% loan HDB Variable Package 80% loan HDB 3M SIBOR Package 80% loan PTE Variable Packages 80% loan PTE Fixed Packages 80% loan PTE SIBOR Package 80% loan BUC SIBOR PACKAGE BUC Variable PACAKGE

MAYBANK

Fixed package
** for HDB 4Rms and above & Pte Property only

2 Years Lock-In

Year 1 : 1.2%

Year 2 : 1.5%

3 Year Lock In

Year 1 : 1.2%

Year 2 : 1.5%

Year 3 : 1.8%

Variable Package
** for HDB 4Rms and above & Pte Property only

2 Years Lock In

Year 1 : 0.98%

Year 2 : 1.48%

Year 3 : 1.88%

UOB

For HDB and PTE FIXED RATES VARIABLE PACKAGES

(based on baord rates)

2 YEARS LOCK

Year 1 : 1.18% Fixed

Year 2 : 1.68% Fixed

Year 3 : 2.65%

2 Years Lock No Lock In No Lock In

Year 1: 0.98% Y1-3 @ 1M/3M SIBOR + 0.75% Y1-2 @ 1M/3M SIBOR + 0.70% Y1-2 @ 1M/3M SIBOR + 0.70%

Year 2 : 1.38% Thereafter 1M/3M SIBOR + 1% Y3-4 @ 1M/3M SIBOR + 0.75% Y3-5 @ 1M/3M SIBOR + 0.75%

Year 3 : 1.88%

BUC Rates
special rates for current BUC
Seletar Park Residences , Natura , Palm Isles , Ripple Bay

Thereafter 1M/3M SIBOR + 1% Thereafter 1M/3M SIBOR + 1%

Hong Leong HDB Fixed Packages - Loan Size > $100k Finance - Loan Size < $100k HDB Variable Packages - Loan Size > $100k - Loan Size < $100k PTE Packages (BUC & Completed) Fixed Rates Variable Rates CITIBANK SIBOR Package
(for completed projects) (HDB 3M, PTE 1M SIBOR)

2 Years Lock In 3 Years Lock In 2 Years Lock In

1.25% (Fixed) 1.25% (Fixed) 2.08% (Fixed)

1.68% (Fixed) 1.78% (Fixed) 2.38% (Fixed)

2.45% (HHR - 1.80%) 2.08% (Fixed) 2.98% (HHR - 1.27%)

1.25%(HHR 3.0%) 1.73% (HHR - 2.52%)

1.48% (HHR 2.77%) 2.13% (HHR 2.12%)

1.98% (HHR - 2.27%) 2.83% (HHR - 1.42%)

1 Year Lock In 2 Years Lock In

1.68% (Fixed) 1.68% (Fixed) 1.48% (PPR - 1.52%) SIBOR + 0.85% SIBOR + 0.68% Year 1 -3 : SIBOR + 0.7% Year 1-3 : 1.5% (Fixed) Year 1-5 : 1.8% (Fixed) Year 1-3 : 1.35% (Fixed)

1.98% (PPR - 1.02%) 1.98% (Fixed) 1.68% (PPR 1.32%) SIBOR + 1.05% SIBOR + 0.78% Thereafter SIBOR + 1%

2.58% (PPR - 0.42%) 2.58% (PPR - 0.42%) 1.98% (PPR - 1.02%) SIBOR + 1.15% SIBOR + 0.88%

2 Years Lock In (min loan size $300k) 3 Years Lock In (min loan size $500k) 2 Years Lock in (Min $1m) 3 Years Lock In : Min $300k 5 Years Lock In : Min $300k 3 Years Lock In : Min $400k

FIXED Package
(for completed projects)

Thereafter SIBOR + 1.15% Thereafter SIBOR + 1.15%

Banks StandChart HDB Fixed Rates (completed) 2 Years Lock In : 2 Years Lock In : 3 Years Lock In :

Fixed/Variable Rates Year 1 : 1.18% Year 1 : 1.45% Year 1 - 3 : 1.88% Thereafter : 1M SIBOR + 1.25% Year 2 : 1.75% Thereafter : 1M SIBOR + 1.25%

Thereafter : 1M SIBOR + 1.25%

HDB SIBOR Floating

(completed)

3 Years Lock IN :

Y1-3: 1M/3M SIBOR + 0.8%

Thereafter : 1M/3M SIBOR + 1%

Private Fixed Rates

(Completed)

2 Years Lock In : 3 Years Lock In :

with

Year 1 : 1.45% Year 1 - 3 : 1.88%

Year 2 : 1.75% Thereafter : 1M SIBOR + 1.25%

Thereafter : 1M SIBOR + 1.25%

Private SIBOR Floating

interest offset feature (completed)

3 Years Lock In :

Y1-3: 1M/3M SIBOR + 0.8%

Thereafter : 1M/3M SIBOR + 1%

BUC Rates (with interest offset) Special BUC rates

Ripplebay, Natura, 8 Riversuites, Hillsta

No Lock In

Year 1 - 3 1M/3M SIBOR + 0.7%

Year 4: 1M/3M SIBOR + 1%

Thereafter 1M/3M SIBOR + 1.25%

No Lock In with interest offset 2 Years Lock In

Year 1 - 2 : 1M SIBOR + 0.65% Year 1: 3M SIBOR + 1.28% Year 1: 0.94% after beautiful sunday (CHR 1.95%) 3M SIBOR + 1.18% 3M SIBOR + 1.05% 3M SIBOR + 1.08%
Year 1: 0.86% after beautiful Sunday (CHR-2.75%) Year 1: 0.86% after beautiful Sunday (CHR-2.75%) Year 1: 0.86% after beautiful Sunday (CHR-2.75%)

Year 3 - 4 : 1M SIBOR + 0.75% Year 2: 3M SIBOR + 1.28%

Thereafter : SIBOR + 1% Year 3: 3M SIBOR + 1.35%

CIMB

HDB SIBOR

HDB Variable PTE SIBOR

2 Years Lock In No Lock In 2 Years Lock In (> $500k) 2 Years Lock In (> $750k subject to
approval)

Year 2: 2.10% (CHR 1.65%) 3M SIBOR + 1.18% 3M SIBOR + 1.05% 3M SIBOR + 1.08%

Year 3: 2.40% (CHR 1.37%) Thereafter 3M SIBOR + 1.25% 3M SIBOR + 1.05% 3M SIBOR + 0.98%

PTE Variable Bank Board Rates

2 Years Lock In : 2 Years Lock In (> $500k) 2 Years Lock In (> $750k )

Year 2: 1.7% (CHR-2.05%) Year 2: 1.6% (CHR-2.15%) Year 2: 1.2% (CHR-2.25%)

Year 3: 2% (CHR-1.75%) Year 3: 1.9% (CHR-1.85%) Year 3: 1.8% (CHR-1.95%)

RHB

Private Properties FIXED PACKAGE VARIABLE PACKAGE HDB FIXED PACKAGE VARIABLE PACKAGE

2 Years Lock In 2 Years Lock In

Year 1 @ 1.2% (F) Year 1 @ 0.90% (V)

Year 2 @ 1.6% (F) Year 2 @ 1.48% (V)

Year 3 @ 2.48% Year 3 @ 2.28% (V)

2 Years Lock In 2 Years Lock In

Year 1 @ 1.3% (F) Year 1 @ 0.95% (V)

Year 2 @ 1.7% (F) Year 2 @ 1.53% (V)

Year 3 @ 2.48% Year 3 @ 2.28% (V)

Singapura Finance

HDB Fixed Packages

2 Years Fixed 3 Years Fixed

Y1 : 1.28% (Fixed) Y1 : 1.25% (Fixed)

Y2: 1.88% (Fixed) Y2: 1.75% (Fixed)

Thereafter: 3.25% (SHR + 0.75%) Y3: 2.25% (Fixed)

HDB Floating Packages

2 Years Floating 3 Years Floating

Y1: 1.18% (float; SHR - 1.32%) Y1: 1.15% (float; SHR - 1.35%) Y1: 1.58% (fixed) Y1: 1.48% (fixed)

Y2: 1.78% (float; SHR-0.72%) Y2: 1.65% (float; SHR-0.85%) Y2: 1.88% (fixed) Y2: 1.88% (fixed)

Thereafter: 3.25% (SHR + 0.75%) Y3: 2.15% (float; SHR-0.35%) Thereafter 3.5% (SLR+0.25%) Y3: 1.98% (fixed)

Private Fixed Packages

(completed projects only)

2 Years Fixed - individual & Corporate 3 Years Fixed - Individual

nce Partners Pte Ltd

Thereafter, 3M SIBOR + 1.25% Thereafter, 3M SIBOR + 1.25% Thereafter @ 3M Sibor + 1.25% Thereafter @ 3M Sibor + 1.25%

Thereafter 1M/3M SIBOR+1.25% Thereafter 1M/3M SIBOR+1.25% Thereafter 1M/3M SIBOR+1.25%

Thereafter 1M/3M SIBOR+1.25% Thereafter 1M/3M SIBOR+1.25% Thereafter 1M/3M SIBOR+1.25% Thereafter @ 3.75% (V) Thereafter @ 3.75% (V) Year 4: 3.75% (V) Year 4: 3.75% (V) Year 4: SIBOR + 1.25% Year 4: SIBOR + 1.25% Year 4: 3.75% (V) Year 4: 3.75% (V) Thereafter @ 3.75% (V) Thereafter @ 3.75% (V) Year4 SIBOR + 1.25% Year4 SIBOR + 1.25% Year4 SIBOR + 1.25% Y4: 2.18%

Y4-5 Private: 3.25% (SRFR less 0.5%); HDB 2.6% (SRFR less 1.15%)Thereafter Private & HDB : 3.25% (SRFR less 0.5%) Y4-5 Private: 3.25% (SRFR less 0.5%); HDB 2.6% (SRFR less 1.15%)Thereafter Private & HDB : 3.25% (SRFR less 0.5%)

Thereafter @ 2.65% ( MR - 0.75%)

Thereafter @ 2.65% ( MR - 1.85%)

3.08% (HHR - 1.17%) 3.08% (HHP - 1.17%) 3.33% (HHR - 0.92%)

3.08% (HHR 1.17%) 3.33% (HHR 0.92%)

HHR is @ 4.25%

3.08% (PPR + 0.08%) 3.08% (PPR + 0.08%) 3.08% (PPR + 0.08%)

PPR is not @ 3%

Thereafter SIBOR + 1.25% Thereafter SIBOR + 1.2%

M SIBOR + 1.25%

Thereafter 3M SIBOR + 1.35%

Thereafter 3.75% (CHR)

Thereafter 3M SIBOR + 1.25% 3M SIBOR + 0.88%, Thereafter 3M SIBOR + 0.78%

Thereafter, 3.75% (CHR) Thereafter, 3.75% (CHR) Thereafter, 3.75% (CHR)

Thereafter 3.38% Thereafter 3.38%

Thereafter 3.38% Thereafter 3.38%

** SHR peg ar 2.5%pa

Thereafter: 3.25% (SHR + 0.75%)

Thereafter: 3.25% (SHR + 0.75%)

Thereafter 3.5% (SLR+0.25%)