Bank of China in Singapore offers competitive home loan rates for private properties: fixed rate of 2.45% for 3 years, then 3-month SORA + 1.00%, or 3-month SORA + 0.50% for 2 years, then 3-month SORA + 0.60% for 1 year, and 3-month SORA + 1.00% thereafter. Lock-in period is 2-3 years, minimum loan amount is $500,000. Refinancing incentives up to 0.4% of loan amount, capped at $1,800. Eligibility: 21-65 years old, minimum annual income SGD 24,000, open to Singapore Citizens, PRs, and foreigners. Loans for owner occupation, investment, or refinancing.