Singapore Property By Mark Tan R032504C -Expat Relocation Agent-CONDO/HDB/Buy/Sell/Rent/Mgmt

Dear All,

Below are the details of our current packages. You may prepare the following documents for a processing of the loan.

I have also attached a loan calculator which you can use for calculation of installments base on the static data you enter.

Feel free to call me at your convenience should you have any enquiries.

Thanks

For HDB & PRIVATE loans

*HOT SELLING!!*

	No Lock In	1 year fixed	2 year fixed	Refinancing Only 2 year fixed 1.5% cash rebate
Min Loan Size	$100k	$100k	$100k	$100k
Lock In	Nil	1 year	2 years	2 years
Pricing
Y1	3m Sibor+0.75%	1.60% fixed	1.45% fixed	1.95% fixed
Y2	3m Sibor+0.85%	3m Sibor+0.85%	1.95% fixed	2.45% fixed
Thereafter	3m Sibor+0.95%	3m Sibor+1.25%	3m Sibor+1.25%	3m Sibor+1.30%

• 0.3% (PTE) , 0.5%(HDB) legal fees subsidy capped at $2K
• Free Fire insurance on the 1^st year(PTE)

Throughout the loan tenure (HDB)

* Latest Promotion * - We are giving the extra $500 legal fee subsidy, on top of our standard legal fee subsidy of up to $2,000.

What is this guarantee about?

• From 16 July 2010, we guarantee that we will give your customer a higher legal fee subsidy and an extra year of fire insurance coverage if he accepts our Mortgage Letter of Offer (LO) in the next 2 business days from the LO generation date i.e. T + 2 biz days.

What will my customer enjoy under this guarantee?

• If your customer accepts our LO within T + 2 biz days, he will enjoy the following:

-          Extra $500 legal fee subsidy: Your customer will enjoy a maximum legal fee subsidy of $2,500 instead of the standard $2,000.

-          Extra 1 year fire/home content insurance: Your customer will enjoy 2 years free insurance coverage instead of the standard 1 year.

SIBOR stands for Singapore Interbank Offered Rate and is the benchmark for interest rates in Singapore. If your loan is pegged to SIBOR,

you can rest assured that your mortgage pricing will always reflect market conditions. Choose a 3-month tenure if you want to closely follow

the market, or choose a 12-month tenure if you want more stability in your monthly instalments.

As at 2 Aug 2010, 3-month SIBOR was 0.55%

How does the Sibor Pegged Rate package benefit me?

The Sibor (Singapore Interbank Offered Rate) pegged rates offer full transparency in mortgage board rate movements. Pegged to 3 or 12 month Sibor, home owners can have the certainty that interest rates may only be revised at specific frequency and not subject to irregular interest rate volality.

How does SIBOR and CPF pegged rates compare to board rates?

Board rate movements are not transparent to the public. Board rate changes are solely determined by the financier concerned and not marked to the market. Home owners do not have the assurance on the direction and the magnitude of the board rate movements vs Sibor-pegged rate

How does SIBOR rates compare to SOR rates?

Sibor is the rate at which banks lend to other another. It is a key component used by banks in setting their home loan rates. SOR is made up of Sibor plus the bank’s lending costs.

Documents required (for faster processing of your loan)

1. Completed Application Form

2. Photocopy of NRIC (front and back) or passport

3. Income Statement

Salaried

- Latest Income Tax Notice of Assessment; or

- Latest computerized pay slip; or

- Last 6 months’ CPF Contribution history

Self-Employed / Commission-based

- Last 2 years’ Income Tax Notice of Assessment only

4. For repayment using CPF: Last 6 months CPF Statement of Account and CPF Withdrawal Statement

5. For new purchase: Option to Purchase or Sale & Valuation Report

6. For refinancing: Last 6 months’ Loan or Bank Statements and CPF Withdrawal Statement

Mark Tan 9090-8533