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Malaysia Property Refinancing

Save more when you refinance

High loan quantum
Refinance up to 80% of your Malaysian property purchase price or valuation. Now you can take control of your monthly cash outlays and make your property decisions work in your interest!
Reduction of monthly instalments
This scheme has tenures ranging from a minimum of 5 years to a maximum of up to 30 years or up to 65 years old, whichever is earlier. A longer tenure can be shortened with excess payments you put into your home/loan financing account. With the reduction in monthly instalment, the savings can be utilised for other expenses.
Enjoy as low as 3.28% p.a. rate
on your Malaysia Property Financing (Residential)

For minimum loan amount of S$100,000

Variable Rate Packages
2 – year lock in
Year 13.28% (MBR – 2.72%)
Year 23.48% (MBR – 2.52%)
Year 33.68% (MBR – 2.32%)
Thereafter3.68% (MBR – 2.32%)
Malaysian Property Board Rate (MBR) is currently at 6.00% p.a. Rates subject to change
Lock-in period2 years from 1st loan release date
Partial Prepayment1.50% of the amount prepaid within first 2 years
Full Repayment1.50% of the outstanding loan amount redeemed within first 2 years
Cancellation Fee1.50% on undisbursed loan amounts after accepting bank’s letter of offer
Late Payment of monthly instalment5.00% above prevailing Prime Lending Rate (PLR). Current PLR is 5.70% p.a.
Remittance ChargesTo be borne by borrower(s)
Other Features

For variable rate package – Building Under Construction (BUC) properties only. Interest rate to commence at loan disbursement or temporary occupation permit (TOP) issuance date, whichever is earlier.

For variable rate package - Completed properties only. Interest rate to commence within 3 months from date of the Letter Of Offer (LOF) or date of first disbursement of the mortgaged property loan, whichever is earlier.

Refinance your property with us

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Private Property
  • Singapore Citizens or Singapore Permanent Residents
  • Minimum 21 years of age
  • Borrower(s) must be mortgagor
Documents Required
  • Photocopy of NRIC (both sides)
  • Proof of Income:
  • Salaried Employee
1. Latest Computerised Payslip and Income Tax Notice of Assessment, or
2. Latest Computerised Payslip and latest 12 months CPF Contribution Statement
  • Self-Employed
1. Income Tax Notice of Assessment (NOA) for latest 2 years
  • Rental Income - Stamped Tenancy Agreement with remaining lease period of at least 6 months.
  • Other documents:
  • For all applications
A printout of Financial Information on HDB loan commitment via My HDB Page at
Latest statement of all credit facilities with other Financial Institutions or Moneylenders.
  • For Refinancing
Recent loan statement showing past 12 months repayment history; and recent loan statement showing the outstanding loan balance; and any of the following:
- Exercised Option to Purchase or Sale & Purchase Agreement,
- Stamp Duty Certificate for purchase of subject property
- A copy of Title Deeds
  • For Term Loan or Bridging Loan
- Latest CPF Public Housing Withdrawal Statement

Note: Notice of Assessment can be printed via my Tax Portal at

Loan repayment and outstanding statement for HDB can be printed via My HDB Page at

Any other documents as may be requested by the Bank at its sole discretion.

Terms & Conditions

Home and Property Loans Terms and conditions apply. MBR is currently at 6.00% p.a.
Note: The interest rates and terms quoted for a particular housing loan applies only to that housing loan package, and may differ from the interest rates and terms offered to other customers for other types of housing loan facilities. The interest rates and terms quoted are subject to change without prior notice. The Board Rate quoted is applicable only for the loan package that you are interested in. The financial indicator against which the Board Rate is benchmarked, such as SIBOR, Prime Rate or CPF Rate, will be disclosed. The Board Rate shall differ for different loan packages offered at different times and may also differ for different customers, depending on market conditions and/ or changes in the financial indicator(s) against which the Board Rate is benchmarked. The detailed loan repayment schedule for the loan package chosen is available in either hard or soft copy upon request. The Association of Banks in Singapore (ABS) Consumer Guide on Home Loan is available on MoneySENSE and ABS website. You are encouraged to read it before committing to a loan.

MoneySENSE Guide

Before committing to a financial product, you are encouraged to read the ‘Understanding Financial Products’ by The Association of Banks in Singapore and MoneySENSE guide. Learn more