Indicated Lending Rates

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)

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)

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

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)

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)

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