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  • OCBC - Home Loan (HDB and Private Property)
    payments can change with the OCBC board rate unchanged since 2006 More about variable interest rates SIBOR dependent rates Rates are pegged to SIBOR Payments can increase or decrease based on SIBOR rates Rates are reviewed every 3 months More about SIBOR dependent rates Need help Call our mortgage specialists at 1800 438 6088 close The interest rates indicated are fixed and guaranteed for either the first year or the first two years only depending on the package you sign up for This will also mean that your monthly instalment is fixed and will not change within those years At the end of the fixed rate period the interest rates will be based on the bank s internal rates board rate minus a discount stated in the Letter of Offer The board rate has not changed since 2006 Call our mortgage specialists at 1800 438 6088 to find out the best rates available Calculate monthly payments close Customers can choose between different lock in periods The lock in period indicates the period where there will be penalty imposed on the customers if they decide to refinance the loan For packages with no lock in period the customer can choose to refinance the housing loan package anytime Usually the interest rates are lower for packages with longer lock in period They range from 1 08 to 1 98 and will be 3 75 thereafter Call our mortgage specialists at 1800 438 6088 to find out the best rates available Calculate monthly payments close The SIBOR may change every day The bank uses a SIBOR on a specific date also known as the rate review date and adds on a fixed percentage for the interest rates of the housing loan The interest rate will be reviewed every 3 months SIBOR varied from

    Original URL path: http://ocbc.com.sg/personal-banking/Loans/Home-Loan-HDB-and-private-property.html (2012-12-22)
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  • OCBC - Renovation Loan
    PLUS all fees such as the processing fee or administrative charges Loan period Estimated monthly repayment Effective interest rate Based on an approved loan of S 9 000 1 year S 775 63 13 16 2 years S 399 90 9 92 3 years S 274 82 8 80 4 years S 212 40 8 24 5 years S 175 04 7 90 For illustrative purpose only Rates are subject to change Please contact us for the latest rates Monthly repayments Effective interest rate EIR the rate that takes into consideration the applied interest rate of the loan PLUS all fees such as the processing fee or administrative charges Loan period Estimated monthly repayment Effective interest rates Based on an approved loan of S 10 000 1 year S 857 82 11 70 2 years S 440 42 8 72 3 years S 301 42 7 69 4 years S 232 02 7 17 5 years S 190 46 6 85 For illustrative purpose only Rates are subject to change Please contact us for the latest rates Fees Charges Processing fee S 200 deducted up front upon disbursement Administrative fee 1 of approved loan amount deducted up front upon disbursement Partial p repayment fee 2 of amount prepaid Full redemption fee 2 of outstanding loan balance Change renovation contractor loan amount loan period after approval before loan disbursement S 200 Cancellation fee applicable if less than 90 of approved loan is disbursed S 200 Cashier s orders Free for first 3 subsequently S 20 each cashier s orders will be issued in the contractor s company name Late instalment payment S 50 Application Process 2 ways to apply By mail Download application form Complete the form and mail it to us with copies of your 1 NRIC for Singaporeans and

    Original URL path: http://ocbc.com.sg/personal-banking/Loans/renovation-loan.html (2012-12-22)
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  • OCBC - Overseas Property Loan
    Processing fee Nil 500 Property status Completed and building under construction Interest commencement From date of first release of loan Financing for Australian property In SGD In AUD Minimum loan amount S 300 000 A 200 000 Maximum loan amount Up to 70 Up to 70 Processing fee Nil A 500 Property status Completed and building under construction Interest commencement From date of first release of loan What you need

    Original URL path: http://ocbc.com.sg/personal-banking/Loans/overseas-property-loan.html (2012-12-22)
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  • OCBC - Loans - Construction Loan
    your dream home with our financing solution Financing of up to 80 of the construction cost Attractive interest rates Converts to an attractive home loan package upon completion Build on vacant land or redevelop an existing landed property Eligibility Age 21 and above Singaporeans and Singapore PRs Foreigners if approved by Land Dealings Talk to us to find out more Consult our mortgage specialists and get free advice for your

    Original URL path: http://ocbc.com.sg/personal-banking/Loans/Construction-Loan.html (2012-12-22)
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  • OCBC - EasiCredit
    and conditions apply Important Notes for EasiCredit Balance Transfer EasiCredit Balance Transfer is subject to the Terms and Conditions Governing EasiCredit Balance Transfer Facility Please refer to OCBC Bank s website for the full set of Terms and Conditions This offer is open to EasiCredit accountholders with an annual income of S 30 000 and above Minimum request amount is S 500 For Balance Transfer promotional interest rate of 0 p a for 6 months from the date of approval of the Balance Transfer the Promotion Period is only available for new EasiCredit customers and apply only to the Balance Transfer Amounts as defined in the Terms and Conditions Governing EasiCredit Balance Transfer A fee of 1 8 of the transferred amount based on the applicable tenures will be imposed and charged debited to your EasiCredit Account together with the approved transferred amount Any fees and charges incurred for this Balance Transfer will be subjected to the promotional interest rate during the respective 6 month Promotion Period and thereafter to the prevailing interest rate Prevailing interest rate of 17 95 p a on any outstanding amount fees and charges will apply after the Promotion Period Interest is subject to compounding if the monthly interest charges are not repaid in full Any payment made to the EasiCredit Account will be applied first to settle the balances subject to the lowest interest rates The total requested amount plus the utilised amount on your EasiCredit Account must not exceed 90 of your assigned credit limit excluding credit balances Important Notes for Term Loan Facility Cash on Instalments Term Loan Facility Cash On Instalments is subject to the Terms and Conditions Governing Term Loan Cash On Instalments Facility Please refer to OCBC Bank s website for the full set of Terms and Conditions This offer is open to EasiCredit accountholders with an annual income of S 30 000 and above The minimum request amount is S 500 and a one time processing fee of 3 5 of the approved amount is chargeable together with the first instalment Interest on the loan amount is calculated based on front end add on method The Applied Interest Rate is 0 p a Effective Interest Rate is 6 60 p a after incorporating a 3 5 processing fee Please read and understand Important Notes on the application form before applying for the facility The requested loan amount Cash On Instalments interest plus any utilised amount must not exceed 90 of your assigned credit limit excluding credit balances Terms and Conditions for EasiCredit Free Hugo Boss Promotion Offer valid from 1 October 2012 to 31 December 2012 the Promotion Period A total of 300 free Hugo Boss watches choice of black or white face will be given out during the Promotion Period 100 Hugo Boss watches will be given out each calendar month Oct Nov and Dec 2012 to the first 100 new EasiCredit customers whose EasiCredit account is approved within the Promotion Period and who applied for EasiCredit

    Original URL path: http://ocbc.com.sg/personal-banking/Loans/flexible-repayment-loan-easicredit.html (2012-12-22)
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  • OCBC - Education Loan
    EIR 8 72 3 years 6 5 EIR 7 97 4 years 6 5 EIR 7 59 5 years 6 5 EIR 7 36 6 years 6 5 EIR 7 21 7 years 6 5 EIR 7 1 8 years 6 5 EIR 7 02 Processing fee 2 of the approved loan amount with a minimum processing fee charge of S 100 Disbursement fee S 20 per cashier s order or demand draft issue Late repayment fee S 50 Cancellation fee 1 of the undisbursed loan amount Full repayment fee 1 of loan prepaid close Interest Rates Based on a 12 month study period Loan term Interest rate yearly 1 year 2 years 6 5 EIR 8 01 3 years 6 5 EIR 7 62 4 years 6 5 EIR 7 39 5 years 6 5 EIR 7 24 6 years 6 5 EIR 7 12 7 years 6 5 EIR 7 04 8 years 6 5 EIR 6 68 A 12 month course period is assumed in the calculation of the effective interest rate for Graduated and Graduated Plus repayment schemes Processing fee 2 of the approved loan amount with a minimum processing fee charge of S 100 Disbursement fee S 20 per cashier s order or demand draft issue Late repayment fee S 50 Cancellation fee 1 of the undisbursed loan amount Full repayment fee 1 of loan prepaid close Interest Rates Based on a 12 month study period Loan term Interest rate yearly 1 year 2 years 3 years 6 5 EIR 7 41 4 years 6 5 EIR 7 25 5 years 6 5 EIR 7 14 6 years 6 5 EIR 7 06 7 years 6 5 EIR 6 99 8 years 6 5 EIR 6 94 A 12 month course period is assumed in

    Original URL path: http://ocbc.com.sg/personal-banking/Loans/Education-Loan.html (2012-12-22)
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  • OCBC - Tuition Fee Loan
    repay your loan if you are unable to complete your loan repayment in future The guarantor should be Age between 21 and 60 Without record of bankruptcy Applicant Nationality Guarantor Nationality Singaporean Singaporean Permanent Resident Singapore Permanent Resident Foreigner Any Sign up offer Get a free movie voucher from WE Cinemas when you apply for Tuition Fee Loan Find out more How to apply Repaying your loan No repayment needed School will inform OCBC on graduation status You will receive a repayment interest commencement letter where you can choose to Repay in full lowest total repayment amount Start monthly instalments immediately slightly higher total repayment amount Start monthly instalments 2 years after graduation highest total repayment amount Interest of 4 75 a year applies You will receive fee repayment statements at the end of each year Late charges will apply if you do not start repayment or monthly instalments 2 years after graduation Application process Need help Call us and let us help you find a suitable scheme 1800 438 6088 How to apply If you are a Singaporean or Singapore PR 1 Download form Complete the appropriate application form then print and sign it NUS students NTU full time undergraduate students NTU part time undergraduate students NTU postgraduate students NIE students 2 Visit a branch with a guarantor Please bring along Application form Letter of Offer no Letter of Offer required if using application form within OCBC Tuition Fee Loan webpage NRIC passport student and guarantor Locate us If you are not a Singaporean or Singapore PR 1 Download form Complete the appropriate application form then print and sign it NUS students NTU full time undergraduate students NTU part time undergraduate students NTU postgraduate students NIE students 2 Visit a branch with a guarantor Please bring along Application form

    Original URL path: http://ocbc.com.sg/personal-banking/Loans/tuition-fee-loan.html (2012-12-22)
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  • OCBC - Life Insurance
    Receive annual payouts as replacement for lost income following the date of claim for total and permanent disability until the end of policy term Receive insurance payout equivalent to three times the annual income benefit immediately upon death total and permanent disability or critical illness optional during your policy term If no claims were made during the policy term you receive a lump sum maturity value equivalent to three times the annual income benefit Covers 30 critical illnesses Coverage for 30 critical illnesses Heart attack Stroke Coronary artery bypass surgery Major cancers Kidney failure Fulminant hepatitis Major organ bone marrow transplantation Paralysis loss of use of limbs Multiple sclerosis Primary pulmonary hypertension HIV acquired occupationally or due to blood transfusion Alzheimer s disease severe dementia Blindness loss of sight Coma Deafness loss of hearing Heart valve surgery Loss of speech Major burns Surgery to aorta Terminal illness Muscular dystrophy End stage lung disease End stage liver failure Motor neurone disease Parkinson s disease Aplastic anaemia Benign brain tumour Major head trauma Bacterial meningitis Progressive Scleroderma Make an appointment to find out more Important notices Important notes Policy Owners Protection Scheme Important notes This document is for general information only It is not a contract of insurance or an offer to buy an insurance product or service It is also not meant to provide any insurance or financial advice The specific terms and conditions of the plan are set out in the policy documents If you are interested in the insurance policies you should read the product summary and benefit illustration available from us before deciding whether to buy this product This document does not take into account your particular investment aims financial situation or needs Please ask a financial adviser for advice about whether the investment product is suitable for

    Original URL path: http://ocbc.com.sg/personal-banking/Insurance/Life-insurance.html (2012-12-22)
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