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Indicated Lending Rates

Rates and Fees - Indicated Lending Rates

PERSONAL LOANS

Personal Loans and Overdrafts

(Secured & Unsecured)
Establishment Fees
Up to $499 $75
$500 to $1,999 $150
$2,000 to $4,999 $200
$5,000 to $19,999 $250
$20,000 to $49,999 $500
$50,000 and above 1% of approved amount
Service Fee
Up to $4,999 $12.50 per month
$5,000 to $14,999 $22.50 per month
$15,000 to $19,999 $27.50 per month
$20,000 to $999,999 0.1% per month (maximum $300)
$1,000,000 and above 0.03% per month
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)
Account Overdrawn Fee $10 per day while the account is overdrawn
Referral Fee $25 per referral

Orbit Account

(This product is no longer offered)
Service Fee
Up to $9,999 $5 per month
$10,000 to $49,999 $20 per month
$50,000 to $99,999 $35 per month
$100,000 to $499,999 $50 per month
$500,000 to $999,999 $100 per month
$1,000,000 and above 0.021% per month
Electronic Fees Refer “Banking Services” fees on Orbit
Collection Fee $0.40 per cheque item deposited

CREDIT CARDS

VISA Essential
Joining Fee $50
Annual Fee $50 per annum
Replacement Card $20 per replacement
PIN Re-Issue $5 per re-issue
Copy of Sales Voucher $10 per transaction
Statement Copy Fee $10 per copy
Interest Free Days “Up to” 55 days on purchases only.
Balance Enquiry
  • own bank’s ATMs
 $1 per transaction
  • other banks’ ATMs:
 $2 per transaction
Cash Advance
  • own bank’s ATMs
 $5 per transaction
  • other banks’ ATMs:
 $10 per transaction
Late Payment Fee $20 (where minimum monthly repayment is not paid by the payment due date)

VISA Gold
Joining Fee $95
Annual Fee $95 per annum
Replacement Card $20 per replacement
PIN Re-Issue $5 per re-issue
Copy of Sales Voucher $10 per transaction
Statement Copy Fee $10 per copy
Interest Free Days “Up to” 55 days on purchases only.
Balance Enquiry
  • own bank’s ATMs
 $1 per transaction
  • other banks’ ATMs:
 $2 per transaction
Cash Advance
  • own bank’s ATMs
 $5 per transaction
  • other banks’ ATMs:
 $10 per transaction
Late Payment Fee $20 (where minimum monthly repayment is not paid by the payment due date)

VISA Gold Advantage
Joining Fee $95
Annual Fee $95 per annum
Replacement Card $20 per replacement
PIN Re-Issue $5 per re-issue
Copy of Sales Voucher $10 per transaction
Statement Copy Fee $10 per copy
Interest Free Days “Up to” 55 days on purchases only.
Balance Enquiry
  • own bank’s ATMs
 $1 per transaction
  • other banks’ ATMs:
 $2 per transaction
Cash Advance
  • own bank’s ATMs
 $5 per transaction
  • other banks’ ATMs:
 $10 per transaction
Late Payment Fee $20 (where minimum monthly repayment is not paid by the payment due date)

MasterCard Regular

(This product is no longer offered)
Joining Fee $50
Annual Fee $50 per annum
Replacement Card $20 per replacement
PIN Re-Issue $5 per re-issue
Copy of Sales Voucher $10 per transaction
Statement Copy Fee $10 per copy
Interest Free Days “Up to” 55 days on purchases only.
Balance Enquiry
  • own bank’s ATMs
 $1 per transaction
  • other banks’ ATMs:
 $2 per transaction
Cash Advance
  • own bank’s ATMs
 $5 per transaction
  • other banks’ ATMs:
 $10 per transaction
Late Payment Fee $20 (where minimum monthly repayment is not paid by the payment due date)

MasterCard Gold

(This product is no longer offered)
Joining Fee $95
Annual Fee $95 per annum
Replacement Card $20 per replacement
PIN Re-Issue $5 per re-issue
Copy of Sales Voucher $10 per transaction
Statement Copy Fee $10 per copy
Interest Free Days “Up to” 55 days on purchases only.
Balance Enquiry
  • own bank’s ATMs
 $1 per transaction
  • other banks’ ATMs:
 $2 per transaction
Cash Advance
  • own bank’s ATMs
 $5 per transaction
  • other banks’ ATMs:
 $10 per transaction
Late Payment Fee $20 (where minimum monthly repayment is not paid by the payment due date)

OTHER CREDIT CARD FEES

International Cash Disbursement Fee $10 per transaction (applicable on BSP ATM withdrawals using internationally issued cards)
Foreign Currency Conversion Fee 2.5% of transaction value on overseas transactions only

Motor Vehicle Loan
Establishment Fees
Up to $499 $75
$500 to $4,999 $200
$5,000 to $19,999 $250
$20,000 to $49,999 $400
$50,000 and above 1% of approved amount
Service Fee
Up to $4,999 $10 per month
$5,000 to $9,999 $15 per month
$10,000 to $19,999 $20 per month
$20,000 to $49,999 $25 per month
$50,000 and above $35 per month
Inspection Fee $40 per inspection
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)

PERSONAL & INVESTMENT HOME LOANS

EasyHome Loan
Establishment Fee
Up to $49,999 $650
$50,000 to $250,000 1% of the approved amount (Minimum $650)
Above $250,000 $2,500
FNPF Housing Transfer $100 per application (excluding fees levied by FNPF)
Inspection Fee
Where transport is provided by:
Customer $50 per inspection
The Bank:
• within 20km of bank branch $60 per inspection
• outside 20km of bank branch $60 plus $0.50 per km
Note: “Bank branch” refers to the branch where the loan is obtained from.
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)

EasyHome Investment Loan
Establishment Fee
Up to $49,999 $650
$50,000 to $250,000 1% of the approved amount (minimum $650)
Above $250,000 $2,500
FNPF Housing Transfer $100 per application (excluding fees levied by FNPF)
Inspection Fee
Where transport is provided by:
Customer $50 per inspection
The Bank:
• within 20km of bank branch $60 per inspection
• outside 20km of bank branch $60 plus $0.50 per km
Note: “Bank branch” refers to the branch where the loan is obtained from.
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)

RateSaver Home Loan
Establishment Fee
Up to $49,999 $650
$50,000 to $250,000 1% of the approved amount (minimum $650)
Above $250,000 $2,500
Service Fee $10 per month
FNPF Housing Transfer $100 per application (excluding fees levied by FNPF)
Inspection Fee
Where transport is provided by:
Customer $50 per inspection
The Bank:
• within 20km of bank branch $60 per inspection
• outside 20km of bank branch $60 plus $0.50 per km
Note: “Bank branch” refers to the branch where the loan is obtained from.
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)

Investment Home Loan
Establishment Fee
Up to $49,999 $650
$50,000 to $250,000 1% of the approved amount (minimum $650)
Above $250,000 $2,500
Service Fee $10 per month
FNPF Housing Transfer $100 per application (excluding fees levied by FNPF)
Inspection Fee
Where transport is provided by:
Customer $50 per inspection
The Bank:
• within 20km of bank branch $60 per inspection
• outside 20km of bank branch $60 plus $0.50 per km
Note: “Bank branch” refers to the branch where the loan is obtained from.
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)

MicroCredit Loan
Establishment Fee
$200 to $500 $25
$501 to $1,000 $40
Service Fee $5 per month
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)

BUSINESS LOANS & OVERDRAFTS

Business Overdraft
Establishment Fee
(negotiable)		 1% of the facility limit (minimum $650)
Service Fee
Up to $1,000,000 0.1% per month (maximum $300)
Above $1,000,000 0.03% per month
Account Overdrawn Fee $15 per day while the account is overdrawn by $100 or more
Referral Fee for Temporary Overdraft or Uncleared Effects $25 per referral

Business Term Loan
Establishment Fee 1% of facility limit (negotiable)
Service Fee
Up to $9,999 $5 per month
$10,000 to $49,999 $20 per month
$50,000 to $99,999 $35 per month
$100,000 to $499,999 $50 per month
$500,000 to $999,999 $100 per month
$1,000,000 and above 0.021% per month
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)

Small & Medium Enterprise Loan
Establishment Fee
$5,000 to $19,999 $250
$20,000 to $49,999 $500
$50,000 and above 1% of approved amount (minimum $500)
Service Fee
Up to $9,999 $5 per month
$10,000 to $49,999 $20 per month
$50,000 to $499,999 $50 per month
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)

Finance Lease / Operating Lease
Establishment Fee 1% of loan facility (minimum $650)
Rental Arrears Collection $25 (where loan repayment is not paid in full within 5 days of the payment due date)
Break Cost Fee 30 days’ interest on the outstanding principal balance, calculated at the fixed interest rate of the existing account
Stamp Duty on Master Lease Is applicable

Insurance Premium Finance
Establishment Fee
$2,000 to $4,999 $125
$5,000 to $19,999 $250
$20,000 to $49,999 $500
$50,000 and over 1% of limit amount
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)

Bonds & Guarantees
Establishment Fee 1.75% of bonds/ guarantees (minimum $50)
Six Monthly Charge 1% of bonds/ guarantees (minimum $40)
Cancellation 1% of bonds/ guarantees on pro-rata basis (minimum $40)
Document Handling1 $80 per document

SMART BUSINESS

Unsecured Loan (This product is no longer offered)
Establishment Fee
$1,000 to $1,999 $150
$2,000 to $4,999 $200
$5,000 to $19,999 $250
$20,000 and above $500
Service Fee
$1,000 to $4,999 $12.50 per month
$5,000 to $14,999 $22.50 per month
$15,000 to $19,999 $27.50 per month
$20,000 and above 0.10% per month (max. $300)
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)

Term Loan (This product is no longer offered)
Establishment Fee
$1,000 to $1,999 $150
$2,000 to $4,999 $200
$5,000 to $19,999 $250
$20,000 to $49,999 $500
$50,000 to $250,000 1% of approved amount
Service Fee
Up to $14,999 $5
$15,000 to $49,999 $20
$50,000 to $99,999 $35
$100,000 to $250,000 $50
Inspection Fee
Where transport is provided by:
Customer $40 per inspection
The Bank
• within 20km of bank branch $60 per inspection
• outside 20km of bank branch $60 plus $0.50 per km
Note: “Bank branch” refers to the branch where the loan is obtained from. 
Loan Arrears Fee
 $25 (where loan repayment is not paid in full within 5 days of the payment due date) 

Asset Loan (This product is no longer offered)
Establishment Fee
$1,000 to $1,999 $150
$2,000 to $4,999 $200
$5,000 to $19,999 $250
$20,000 to $49,999 $500
$50,000 to $250,000 1% of approved amount
Service Fee
Up to $14,999 $5
$15,000 to $49,999 $20
$50,000 to $99,999 $35
$100,000 to $250,000 $50
Inspection Fee
Where transport is provided by:
Customer $40 per inspection
The Bank
• within 20km of bank branch $60 per inspection
• outside 20km of bank branch $60 plus $0.50 per km
Note: “Bank branch” refers to the branch where the loan is obtained from.
Loan Arrears Fee $25 (where loan repayment is not paid in full within 5 days of the payment due date)

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