No. S 672
Central Provident Fund Act
(CHAPTER 36)
Central Provident Fund
(Home Protection Insurance Scheme)
(Amendment) Regulations 2011
In exercise of the powers conferred by section 39 of the Central Provident Fund Act, the Minister for Manpower hereby makes the following Regulations:
Citation and commencement
1.  These Regulations may be cited as the Central Provident Fund (Home Protection Insurance Scheme) (Amendment) Regulations 2011 and shall come into operation on 1st January 2012.
Amendment of Second Schedule
2.  The Second Schedule to the Central Provident Fund (Home Protection Insurance Scheme) Regulations (Rg 11) is amended —
(a)by deleting Table 1B and substituting the following Table:
“Table 1B
(For policies entered into, adjusted or renewed
with policy year commencing on or after 1st January 2012)
“HOME PROTECTION INSURANCE ANNUAL PREMIUM
RATE PER $10,000 INITIAL COVER FOR MALE MEMBER
(LOANS UNDER CONCESSIONARY INTEREST RATE)
Age Next Birthday
Term of Loan
1
2
3
4
5
20
4.72
8.87
6.57
5.81
5.42
21
4.72
8.87
6.57
5.81
5.42
22
4.72
8.87
6.57
5.81
5.42
23
4.72
8.87
6.57
5.81
5.42
24
4.72
8.87
6.57
5.81
5.42
25
4.72
8.87
6.57
5.81
5.42
26
4.72
8.87
6.57
5.81
5.42
27
4.72
8.87
6.57
5.81
5.42
28
4.72
8.87
6.57
5.81
5.42
29
4.72
8.87
6.57
5.81
5.42
30
4.72
8.87
6.57
5.81
5.42
31
4.72
8.87
6.57
5.81
5.42
32
4.72
8.87
6.57
5.81
5.42
33
4.72
8.87
6.57
5.81
5.42
34
4.72
8.87
6.57
5.81
5.42
35
4.72
8.87
6.57
6.05
5.90
36
4.79
9.29
7.16
6.61
6.46
37
5.23
10.19
7.87
7.27
7.11
38
5.76
11.22
8.68
8.04
7.86
39
6.35
12.41
9.62
8.90
8.73
40
7.06
13.79
10.69
9.91
9.71
41
7.06
13.79
10.69
9.91
9.71
42
7.48
14.63
11.35
10.52
10.32
43
8.35
16.32
12.67
11.75
11.52
44
9.32
18.22
14.14
13.11
12.86
45
10.40
20.34
15.79
14.64
14.36
46
12.77
24.98
19.31
17.96
17.62
47
14.26
27.86
21.62
20.03
19.65
48
15.90
31.06
24.10
22.32
21.88
49
17.71
34.60
26.83
24.85
24.34
50
19.71
38.51
29.84
27.63
27.07
51
21.92
42.80
33.17
30.70
30.05
52
24.35
47.53
36.82
34.07
33.34
53
27.03
52.71
40.82
37.75
36.94
54
29.95
58.41
45.21
41.80
40.89
55
33.17
64.63
50.02
46.23
44.75
56
40.01
77.93
60.29
55.70
53.37
57
44.20
86.04
66.55
61.46
58.27
58
48.77
94.88
73.37
67.76
63.54
59
53.75
104.53
80.81
74.62
69.21
60
59.18
115.04
88.91
82.07
76.91
61
59.18
115.04
88.91
82.07
77.71
62
62.60
121.54
93.90
86.64
102.07
63
68.72
133.35
103.01
128.23
141.91
64
75.38
146.17
191.64
214.35
227.97
65
82.60
116.99
128.45
134.18
137.60
●Where the premium payable is less than $1.00, the minimum premium of $1.00 shall be charged.
●The annual premium is payable for 90% (rounded down to the nearest year) of the period of cover, or for such lesser percentage of the period of cover as the Board may, in its discretion, determine, subject to a minimum of 1 year.
 
Age Next Birthday
Term of Loan
6
7
8
9
10
20
5.20
5.05
4.95
4.89
4.84
21
5.20
5.05
4.95
4.89
4.84
22
5.20
5.05
4.95
4.89
4.84
23
5.20
5.05
4.95
4.89
4.84
24
5.20
5.05
4.95
4.89
4.84
25
5.20
5.05
4.95
4.89
4.84
26
5.20
5.05
4.95
4.89
4.84
27
5.20
5.05
4.95
4.89
4.84
28
5.20
5.05
4.95
4.89
4.84
29
5.20
5.05
4.95
4.89
4.84
30
5.20
5.05
4.95
4.89
4.84
31
5.20
5.05
4.95
4.89
4.84
32
5.20
5.05
4.95
4.89
5.02
33
5.20
5.05
5.15
5.29
5.45
34
5.41
5.48
5.60
5.76
5.94
35
5.90
5.99
6.13
6.32
6.54
36
6.47
6.58
6.75
6.96
7.21
37
7.14
7.27
7.46
7.71
7.99
38
7.90
8.05
8.27
8.55
8.87
39
8.78
8.95
9.21
9.51
9.87
40
9.71
9.77
9.97
10.25
10.60
41
9.77
9.97
10.25
10.60
11.01
42
10.39
10.60
10.91
11.28
11.70
43
11.60
11.83
12.17
12.58
13.05
44
12.95
13.21
13.58
14.04
14.56
45
14.45
14.73
15.15
15.65
16.23
46
17.72
18.07
18.57
19.18
19.88
47
19.76
20.13
20.68
21.35
22.12
48
22.00
22.41
23.01
23.75
24.60
49
24.46
24.92
25.58
26.39
27.31
50
27.19
27.68
28.40
29.28
30.31
51
30.18
30.71
31.49
32.47
33.58
52
33.46
34.03
34.90
35.96
37.18
53
37.06
37.69
38.62
39.79
41.12
54
41.01
41.68
42.70
43.97
45.42
55
44.82
45.49
46.57
47.91
49.48
56
53.37
54.09
55.35
56.90
58.70
57
58.18
58.89
60.20
61.87
68.83
58
63.36
64.04
65.43
73.41
79.77
59
68.76
69.21
78.62
85.93
91.78
60
77.71
87.36
96.25
103.02
108.25
61
87.36
96.25
103.02
108.25
112.39
62
113.27
121.15
127.17
131.82
135.51
63
151.73
158.66
163.92
168.01
171.25
64
237.05
243.53
248.39
252.16
255.16
65
139.90
141.52
142.75
143.70
144.46
 
 
 
 
 
 
Age Next Birthday
Term of Loan
11
12
13
14
15
20
5.23
5.16
5.12
5.09
5.09
21
5.23
5.16
5.12
5.09
5.09
22
5.23
5.16
5.12
5.09
5.09
23
5.23
5.16
5.12
5.09
5.09
24
5.23
5.16
5.12
5.09
5.09
25
5.23
5.16
5.12
5.09
5.09
26
5.23
5.16
5.12
5.09
5.09
27
5.23
5.16
5.12
5.09
5.09
28
5.23
5.16
5.12
5.09
5.21
29
5.23
5.16
5.25
5.38
5.53
30
5.35
5.35
5.45
5.58
5.73
31
5.35
5.45
5.58
5.73
5.91
32
5.63
5.77
5.94
6.13
6.35
33
6.12
6.28
6.48
6.70
6.95
34
6.69
6.89
7.11
7.37
7.65
35
7.30
7.46
7.66
7.88
8.13
36
8.01
8.13
8.28
8.45
8.64
37
8.81
8.87
8.96
9.07
9.19
38
9.29
9.70
9.72
9.75
9.79
39
10.12
10.37
10.42
10.48
10.82
40
11.01
12.14
12.24
12.37
12.52
41
12.14
12.24
12.37
12.52
12.69
42
13.01
13.21
13.46
13.74
14.04
43
14.62
14.97
15.37
15.81
16.29
44
16.42
16.94
17.52
18.16
18.85
45
18.21
18.69
19.24
19.84
20.51
46
22.20
22.67
23.22
23.84
24.50
47
24.59
24.97
25.45
25.98
26.57
48
27.19
27.49
27.85
28.29
28.77
49
30.04
30.22
30.46
30.77
31.10
50
33.38
33.65
34.04
34.51
35.02
51
37.05
37.41
38.00
38.66
39.38
52
41.08
41.55
42.35
43.24
46.36
53
45.50
46.11
47.16
50.95
54.13
54
50.10
50.60
55.32
59.34
62.84
55
54.90
59.78
64.15
67.84
70.99
56
64.45
69.09
73.22
76.74
79.74
57
74.21
78.59
82.48
85.78
88.61
58
84.82
88.98
92.59
95.69
98.33
59
96.55
100.51
103.87
106.74
109.23
60
112.39
115.87
118.76
121.21
123.30
61
115.87
118.76
121.21
123.30
125.11
62
138.60
141.15
143.32
145.18
146.78
63
173.96
176.20
178.09
179.71
181.12
64
257.62
259.68
261.40
262.88
264.16
65
145.08
145.60
146.03
146.40
146.73
 
 
 
 
 
 
Age Next Birthday
Term of Loan
16
17
18
19
20
20
5.09
5.09
5.09
5.09
5.09
21
5.09
5.09
5.09
5.09
5.09
22
5.09
5.09
5.09
5.09
5.09
23
5.09
5.09
5.09
5.09
5.09
24
5.09
5.09
5.09
5.09
5.22
25
5.09
5.09
5.09
5.22
5.38
26
5.09
5.09
5.22
5.38
5.54
27
5.09
5.22
5.38
5.54
5.72
28
5.35
5.52
5.70
5.89
6.11
29
5.70
5.89
6.09
6.31
6.55
30
5.91
6.12
6.32
6.57
6.82
31
6.12
6.32
6.57
6.82
7.10
32
6.59
6.84
7.13
7.43
7.76
33
7.22
7.51
7.83
8.17
8.53
34
7.96
8.28
8.63
9.02
9.42
35
8.50
8.90
9.33
9.79
10.29
36
9.10
9.58
10.10
10.66
11.26
37
9.73
10.32
10.94
11.61
12.33
38
10.82
11.11
11.86
12.66
13.51
39
11.16
11.98
12.86
13.80
14.43
40
12.69
13.29
13.94
14.63
15.36
41
13.29
13.94
14.63
15.36
16.14
42
14.55
15.09
15.66
16.26
16.89
43
16.70
17.15
17.60
18.08
18.57
44
19.15
19.46
19.77
20.08
20.40
45
20.83
21.16
21.57
21.99
22.40
46
24.89
25.30
25.86
26.44
27.04
47
27.00
27.44
28.14
28.87
30.47
48
29.25
29.73
30.59
32.50
34.11
49
31.35
31.60
33.97
36.09
37.98
50
35.73
37.91
40.15
42.11
43.82
51
42.07
44.33
46.59
48.59
50.35
52
49.13
51.49
53.79
55.83
57.64
53
57.02
59.52
61.87
63.94
65.79
54
65.89
68.56
70.93
73.06
74.96
55
73.90
76.46
78.74
80.77
82.57
56
82.50
84.91
87.07
89.00
90.72
57
91.17
93.44
95.45
97.23
98.84
58
100.71
102.80
104.65
106.31
107.78
59
111.39
113.30
115.00
116.50
117.86
60
125.11
126.68
128.07
129.30
130.40
61
126.68
128.07
129.30
130.40
131.38
62
148.18
149.42
150.51
151.49
152.36
63
182.35
183.42
184.38
185.23
185.99
64
265.27
266.26
267.13
267.91
268.61
65
147.01
147.25
147.48
147.67
147.85
 
 
 
 
 
 
Age Next Birthday
Term of Loan
21
22
23
24
25
20
5.09
5.09
5.09
5.22
5.38
21
5.09
5.09
5.22
5.38
5.54
22
5.09
5.22
5.38
5.54
5.72
23
5.22
5.38
5.54
5.72
6.11
24
5.38
5.54
5.72
6.11
6.29
25
5.54
5.72
6.11
6.29
6.49
26
5.72
6.11
6.29
6.49
6.71
27
6.11
6.34
6.55
6.80
7.05
28
6.54
6.78
7.04
7.31
7.60
29
6.80
7.07
7.45
7.73
7.96
30
7.10
7.59
7.85
8.12
8.41
31
7.59
7.85
8.12
8.41
8.72
32
8.29
8.55
8.83
9.13
9.44
33
9.09
9.36
9.65
9.94
10.24
34
10.02
10.28
10.56
10.84
11.13
35
10.92
11.18
11.47
11.75
12.04
36
11.92
12.19
12.46
12.73
13.02
37
13.03
13.28
13.54
13.81
14.08
38
14.23
14.48
14.73
14.98
15.22
39
14.92
15.78
16.00
16.22
16.43
40
16.14
16.89
17.45
17.87
18.30
41
16.89
17.45
17.87
18.30
18.75
42
17.91
18.35
18.87
19.41
20.37
43
19.75
20.31
20.98
22.16
23.22
44
21.70
22.30
23.77
25.11
26.33
45
23.93
25.37
26.77
28.04
29.20
46
28.75
30.28
31.75
33.10
34.31
47
32.19
33.71
35.16
36.48
37.69
48
35.82
37.37
38.79
40.10
41.29
49
39.70
41.24
42.66
43.96
45.14
50
45.56
47.12
48.55
49.86
51.04
51
52.08
53.66
55.09
56.40
57.60
52
59.37
60.94
62.38
63.69
64.88
53
67.52
69.08
70.51
71.82
73.01
54
76.68
78.24
79.65
80.94
82.13
55
84.22
85.70
87.05
88.29
89.43
56
92.27
93.68
94.96
96.13
97.21
57
100.28
101.60
102.79
103.88
104.89
58
109.12
110.34
111.45
112.45
113.38
59
119.08
120.19
121.20
122.12
122.97
60
131.38
132.27
133.08
133.81
134.49
61
132.27
133.08
133.81
134.49
135.11
62
153.15
153.86
154.52
155.11
155.65
63
186.69
187.31
187.88
188.40
188.87
64
269.24
269.81
270.33
270.82
271.25
65
148.01
148.16
148.28
148.41
148.51
 
 
 
 
 
 
Age Next Birthday
Term of Loan
26
27
28
29
30
20
5.54
5.72
6.10
6.27
6.43
21
5.72
6.10
6.27
6.43
6.61
22
6.10
6.27
6.44
6.64
6.84
23
6.29
6.49
6.71
6.89
7.09
24
6.49
6.71
6.89
7.09
7.29
25
6.71
6.89
7.09
7.29
7.52
26
6.89
7.09
7.29
7.52
7.74
27
7.25
7.47
7.69
7.92
8.17
28
7.80
8.00
8.23
8.46
9.19
29
8.21
8.48
8.71
9.19
9.42
30
8.72
8.96
9.19
9.42
9.67
31
8.96
9.19
9.42
9.67
9.92
32
9.70
9.95
10.22
10.49
10.75
33
10.52
10.80
11.09
11.38
11.68
34
11.44
11.75
12.06
12.37
12.70
35
12.43
12.82
13.22
13.62
14.02
36
13.50
14.00
14.49
14.99
15.49
37
14.67
15.30
15.88
16.50
17.36
38
15.95
16.71
17.43
18.43
19.35
39
17.39
18.40
18.71
19.74
20.64
40
18.75
18.98
20.12
21.11
22.03
41
18.98
20.12
21.11
22.03
22.89
42
21.57
22.68
23.67
24.58
25.44
43
24.39
25.47
26.45
27.35
28.20
44
27.46
28.50
29.46
30.36
31.19
45
30.31
31.34
32.29
33.17
33.99
46
35.48
36.55
37.55
38.46
39.32
47
38.83
39.89
40.86
41.77
42.60
48
42.41
43.43
44.39
45.27
46.09
49
46.22
47.22
48.16
49.02
49.82
50
52.14
53.15
54.09
54.96
55.77
51
58.70
59.72
60.66
61.54
62.34
52
65.98
67.00
67.95
68.82
69.62
53
74.11
75.13
76.06
76.93
77.74
54
83.22
84.23
85.16
86.02
86.82
55
90.47
91.44
92.32
93.15
93.91
56
98.19
99.11
99.95
100.72
101.46
57
105.81
106.66
107.45
108.18
108.85
58
114.22
115.00
115.74
116.41
117.04
59
123.73
124.45
125.12
125.73
126.30
60
135.11
135.67
136.18
136.66
137.13
61
135.67
136.18
136.66
137.13
137.54
62
156.16
156.63
157.05
157.45
157.82
63
189.30
189.71
190.09
190.44
190.75
64
271.64
272.01
272.36
272.66
272.97
65
148.62
148.70
148.80
148.87
148.94
 
 
 
 
 
 
Age Next Birthday
Term of Loan
31
32
33
34
35
20
6.61
6.74
6.77
6.80
6.83
21
6.74
6.77
6.80
6.83
6.86
22
7.09
7.29
7.52
7.74
7.98
23
7.29
7.52
7.74
7.98
8.07
24
7.52
7.74
7.98
8.07
8.17
25
7.74
7.98
8.07
8.17
8.26
26
7.98
8.07
8.17
8.26
8.36
27
8.43
8.55
8.66
8.77
8.88
28
9.42
9.67
9.92
10.29
10.48
29
9.67
9.92
10.29
10.48
10.71
30
9.92
10.29
10.48
10.71
10.95
31
10.29
10.48
10.71
10.95
11.20
32
11.16
11.39
11.71
12.03
12.49
33
12.15
12.42
12.82
13.38
13.91
34
13.12
13.30
14.05
14.76
15.42
35
14.66
15.25
15.95
16.59
17.18
36
16.20
16.83
17.53
18.19
18.78
37
18.12
18.79
19.52
20.19
20.81
38
20.16
20.92
21.67
22.36
23.02
39
21.48
22.28
23.01
23.70
24.36
40
22.89
23.66
24.38
25.05
25.68
41
23.66
24.38
25.05
25.68
26.27
42
26.21
26.92
27.60
28.23
28.82
43
28.97
29.69
30.37
30.99
31.59
44
31.96
32.69
33.36
33.99
34.59
45
34.75
35.46
36.13
36.75
37.33
46
40.12
40.87
41.56
42.22
42.83
47
43.38
44.11
44.79
45.44
46.04
48
46.85
47.57
48.24
48.86
49.45
49
50.57
51.26
51.91
52.52
53.10
50
56.52
57.22
57.87
58.49
59.07
51
63.10
63.80
64.47
65.08
65.66
52
70.38
71.09
71.76
72.37
72.95
53
78.50
79.20
79.85
80.47
81.05
54
87.57
88.27
88.93
89.53
90.11
55
94.63
95.29
95.92
96.50
97.05
56
102.13
102.76
103.35
103.91
104.43
57
109.49
110.08
110.62
111.14
111.62
58
117.61
118.16
118.67
119.16
119.59
59
126.84
127.34
127.80
128.24
128.64
60
137.54
137.92
138.28
138.62
138.94
61
137.92
138.28
138.62
138.94
139.23
62
158.16
158.48
158.77
159.06
159.32
63
191.06
191.34
191.59
191.85
192.08
64
273.24
273.49
273.74
273.96
274.17
65
149.02
149.08
149.13
149.21
149.25
 
 
 
 
 
 
Age Next Birthday
Term of Loan
36
37
38
39
40
20
6.86
7.02
7.25
7.51
8.26
21
7.10
7.35
8.17
8.26
8.36
22
8.07
8.17
8.26
8.36
8.72
23
8.17
8.26
8.36
8.72
9.10
24
8.26
8.36
8.72
9.10
9.50
25
8.36
8.72
9.10
9.50
9.90
26
8.72
9.10
9.50
9.90
10.33
27
9.26
9.67
10.09
10.54
11.07
28
10.71
10.95
11.01
11.32
11.86
29
10.95
11.01
11.60
12.15
12.66
30
11.20
11.80
12.39
12.92
13.43
31
11.80
12.39
12.92
13.43
13.91
32
13.11
13.69
14.23
14.74
15.23
33
14.51
15.10
15.65
16.16
16.65
34
16.04
16.63
17.18
17.70
18.20
35
17.82
18.40
18.97
19.49
19.99
36
19.41
20.00
20.56
21.08
21.57
37
21.45
22.05
22.61
23.13
23.63
38
23.66
24.26
24.82
25.36
25.87
39
24.97
25.55
26.09
26.61
27.84
40
26.27
26.82
27.35
27.84
28.30
41
26.82
27.35
27.84
28.30
28.74
42
29.38
29.90
30.39
30.86
31.30
43
32.15
32.67
33.16
33.63
34.07
44
35.14
35.67
36.16
36.63
37.07
45
37.88
38.40
38.89
39.35
39.78
46
43.40
43.95
44.45
44.93
45.39
47
46.60
47.13
47.63
48.10
48.55
48
50.00
50.53
51.01
51.47
51.91
49
53.62
54.14
54.62
55.06
55.49
50
59.60
60.12
60.61
61.05
61.48
51
66.20
66.72
67.21
67.65
68.09
52
73.50
74.01
74.49
74.94
75.37
53
81.60
82.11
82.60
83.04
83.47
54
90.64
91.15
91.64
92.08
92.51
55
97.57
98.04
98.51
98.94
99.34
56
104.92
105.38
105.80
106.21
106.60
57
112.08
112.50
112.91
113.29
113.65
58
120.01
120.41
120.77
121.13
121.47
59
129.02
129.39
129.72
130.04
130.35
60
139.23
139.51
139.78
140.03
140.26
61
139.51
139.78
140.03
140.26
140.48
62
159.57
159.80
160.02
160.22
160.43
63
192.30
192.50
192.70
192.88
193.04
64
274.37
274.55
274.73
274.90
275.06
65
149.30
149.34
149.39
149.44
149.47
”;
(b)by deleting Table 2B and substituting the following Table:
“Table 2B
(For policies entered into, adjusted or renewed
with policy year commencing on or after 1st January 2012)
“HOME PROTECTION INSURANCE ANNUAL PREMIUM
RATE PER $10,000 INITIAL COVER FOR FEMALE MEMBER
(LOANS UNDER CONCESSIONARY INTEREST RATE)
Age Next Birthday
Term of Loan
1
2
3
4
5
20
4.72
8.82
6.52
5.80
5.42
21
4.72
8.87
6.52
5.81
5.42
22
4.72
8.87
6.57
5.81
5.42
23
4.72
8.87
6.57
5.81
5.42
24
4.72
8.87
6.57
5.81
5.42
25
4.72
8.87
6.57
5.81
5.42
26
4.72
8.87
6.57
5.81
5.42
27
4.72
8.87
6.57
5.81
5.42
28
4.72
8.87
6.57
5.81
5.42
29
4.72
8.87
6.57
5.81
5.42
30
4.72
8.87
6.57
5.81
5.42
31
4.72
8.87
6.57
5.81
5.42
32
4.72
8.87
6.57
5.81
5.42
33
4.72
8.87
6.57
5.81
5.42
34
4.72
8.87
6.57
5.81
5.42
35
4.72
8.87
6.57
5.81
5.42
36
4.72
8.87
6.57
5.81
5.42
37
4.72
8.87
6.57
5.81
5.42
38
4.72
8.87
6.57
6.05
5.90
39
4.79
9.29
7.16
6.61
6.46
40
5.23
10.19
7.87
7.27
7.11
41
5.76
11.22
8.68
8.04
7.86
42
6.35
12.41
9.62
8.90
8.73
43
7.06
13.79
10.69
9.91
9.71
44
7.06
13.79
10.69
9.91
9.71
45
7.48
14.63
11.35
10.52
10.32
46
8.35
16.32
12.67
11.75
11.52
47
9.32
18.22
14.14
13.11
12.86
48
10.40
20.34
15.79
14.64
14.36
49
12.77
24.98
19.31
17.96
17.62
50
14.26
27.86
21.62
20.03
19.65
51
15.90
31.06
24.10
22.32
21.88
52
17.71
34.60
26.83
24.85
24.34
53
19.71
38.51
29.84
27.63
27.07
54
21.92
42.80
33.17
30.70
30.05
55
24.35
47.53
36.82
34.07
33.34
56
27.03
52.71
40.82
37.75
36.94
57
29.95
58.41
45.21
41.80
40.89
58
33.17
64.63
50.02
46.23
45.20
59
40.01
77.93
60.29
55.70
54.46
60
44.20
86.04
66.55
61.46
60.07
61
48.77
94.88
73.37
67.76
66.19
62
53.75
104.53
80.81
74.62
89.82
63
59.18
115.04
88.91
110.81
123.92
64
59.18
115.04
145.20
162.46
172.81
65
62.60
88.68
97.38
101.72
104.33
●Where the premium payable is less than $1.00, the minimum premium of $1.00 shall be charged.
●The annual premium is payable for 90% (rounded down to the nearest year) of the period of cover, or for such lesser percentage of the period of cover as the Board may, in its discretion, determine, subject to a minimum of 1 year.
 
Age Next Birthday
Term of Loan
6
7
8
9
10
20
5.20
5.05
4.95
4.89
4.84
21
5.20
5.05
4.95
4.89
4.84
22
5.20
5.05
4.95
4.89
4.84
23
5.20
5.05
4.95
4.89
4.84
24
5.20
5.05
4.95
4.89
4.84
25
5.20
5.05
4.95
4.89
4.84
26
5.20
5.05
4.95
4.89
4.84
27
5.20
5.05
4.95
4.89
4.84
28
5.20
5.05
4.95
4.89
4.84
29
5.20
5.05
4.95
4.89
4.84
30
5.20
5.05
4.95
4.89
4.84
31
5.20
5.05
4.95
4.89
4.84
32
5.20
5.05
4.95
4.89
4.84
33
5.20
5.05
4.95
4.89
4.84
34
5.20
5.05
4.95
4.89
4.84
35
5.20
5.05
4.95
4.89
5.02
36
5.20
5.05
5.15
5.29
5.45
37
5.41
5.48
5.60
5.76
5.94
38
5.90
5.99
6.13
6.32
6.54
39
6.47
6.58
6.75
6.96
7.21
40
7.14
7.27
7.46
7.71
7.99
41
7.90
8.05
8.27
8.55
8.87
42
8.78
8.95
9.21
9.51
9.87
43
9.71
9.77
9.97
10.25
10.60
44
9.77
9.97
10.25
10.60
11.01
45
10.39
10.60
10.91
11.28
11.70
46
11.60
11.83
12.17
12.58
13.05
47
12.95
13.21
13.58
14.04
14.56
48
14.45
14.73
15.15
15.65
16.23
49
17.72
18.07
18.57
19.18
19.88
50
19.70
20.01
20.50
21.10
21.79
51
21.87
22.15
22.60
23.19
23.87
52
24.24
24.48
24.90
25.45
26.10
53
26.87
27.03
27.39
27.90
28.52
54
29.73
29.80
30.09
30.55
31.10
55
33.06
33.23
33.66
34.26
34.98
56
36.73
37.02
37.59
38.38
39.30
57
40.77
41.19
41.94
42.93
47.59
58
45.19
45.78
46.74
52.43
56.94
59
54.58
55.44
63.07
69.00
73.74
60
60.18
69.43
76.37
81.74
86.05
61
77.76
86.02
92.20
97.01
100.85
62
99.95
107.18
112.60
116.81
120.17
63
132.67
138.91
143.59
147.22
150.12
64
179.71
184.63
188.32
191.18
193.47
65
106.06
107.30
108.22
108.95
109.53
 
 
 
 
 
 
Age Next Birthday
Term of Loan
11
12
13
14
15
20
5.23
5.16
5.12
5.09
5.09
21
5.23
5.16
5.12
5.09
5.09
22
5.23
5.16
5.12
5.09
5.09
23
5.23
5.16
5.12
5.09
5.09
24
5.23
5.16
5.12
5.09
5.09
25
5.23
5.16
5.12
5.09
5.09
26
5.23
5.16
5.12
5.09
5.09
27
5.23
5.16
5.12
5.09
5.09
28
5.23
5.16
5.12
5.09
5.09
29
5.23
5.16
5.12
5.09
5.09
30
5.23
5.16
5.12
5.09
5.09
31
5.23
5.16
5.12
5.09
5.21
32
5.23
5.16
5.25
5.38
5.53
33
5.35
5.35
5.45
5.58
5.73
34
5.35
5.45
5.58
5.73
5.91
35
5.63
5.77
5.94
6.13
6.35
36
6.12
6.28
6.48
6.70
6.95
37
6.69
6.89
7.11
7.37
7.65
38
7.36
7.58
7.84
8.13
8.45
39
8.13
8.39
8.68
9.00
9.36
40
9.02
9.30
9.63
9.99
10.39
41
10.02
10.34
10.71
11.12
11.56
42
10.60
11.01
11.92
12.38
12.87
43
11.01
12.43
12.83
13.29
13.79
44
12.43
12.83
13.29
13.79
14.34
45
13.13
13.47
13.86
14.64
15.21
46
14.56
14.85
15.18
15.55
15.95
47
16.13
16.35
16.60
16.89
17.20
48
17.86
17.98
18.14
18.32
18.53
49
21.75
21.76
21.77
21.83
21.90
50
23.81
23.84
23.87
24.02
24.20
51
26.03
26.09
26.15
26.42
26.72
52
28.42
28.52
28.62
29.02
30.90
53
30.98
31.13
31.28
33.58
35.43
54
33.22
34.35
35.48
38.12
40.40
55
38.21
40.89
43.69
46.00
47.88
56
42.65
45.15
47.72
49.83
51.61
57
50.94
53.53
56.06
58.18
59.98
58
60.36
63.08
65.59
67.72
69.53
59
77.62
80.84
83.56
85.88
87.90
60
89.57
92.48
94.96
97.07
98.89
61
103.98
106.60
108.79
110.68
112.31
62
122.92
125.21
127.14
128.78
130.21
63
152.50
154.46
156.13
157.56
158.80
64
195.33
196.90
198.21
199.33
200.31
65
110.00
110.39
110.72
111.00
111.24
 
 
 
 
 
 
Age Next Birthday
Term of Loan
16
17
18
19
20
20
5.09
5.09
5.09
5.09
5.09
21
5.09
5.09
5.09
5.09
5.09
22
5.09
5.09
5.09
5.09
5.09
23
5.09
5.09
5.09
5.09
5.09
24
5.09
5.09
5.09
5.09
5.09
25
5.09
5.09
5.09
5.09
5.09
26
5.09
5.09
5.09
5.09
5.09
27
5.09
5.09
5.09
5.09
5.22
28
5.09
5.09
5.09
5.22
5.38
29
5.09
5.09
5.22
5.38
5.54
30
5.09
5.22
5.38
5.54
5.72
31
5.35
5.52
5.70
5.89
6.11
32
5.70
5.89
6.09
6.31
6.55
33
5.91
6.12
6.32
6.57
6.82
34
6.12
6.32
6.57
6.82
7.10
35
6.57
6.80
7.06
7.34
7.64
36
7.18
7.42
7.69
7.97
8.27
37
7.89
8.13
8.39
8.69
8.99
38
8.68
8.94
9.21
9.49
9.81
39
9.60
9.85
10.12
10.41
10.70
40
10.65
10.94
11.23
11.54
11.87
41
11.85
12.15
12.48
12.82
13.17
42
13.19
13.53
13.88
14.10
14.62
43
14.34
14.68
15.03
15.29
15.69
44
14.68
15.03
15.95
15.95
16.38
45
15.83
15.95
15.95
16.38
16.84
46
16.38
16.83
17.33
17.84
18.38
47
17.69
18.20
18.79
19.41
20.63
48
19.08
19.66
20.36
21.76
23.00
49
22.53
23.20
24.99
26.58
28.02
50
25.00
26.84
28.56
30.07
31.43
51
28.81
30.62
32.30
33.80
35.11
52
32.95
34.74
36.38
37.83
39.13
53
37.46
39.22
40.82
42.24
43.51
54
42.38
44.14
45.69
47.08
48.32
55
49.88
51.63
53.19
54.57
55.82
56
53.41
55.00
56.41
57.66
58.79
57
61.73
63.28
64.66
65.88
66.98
58
71.23
72.73
74.04
75.22
76.27
59
89.66
91.21
92.58
93.80
94.91
60
100.49
101.89
103.14
104.26
105.25
61
113.74
115.00
116.10
117.10
117.98
62
131.46
132.56
133.54
134.40
135.18
63
159.88
160.82
161.65
162.41
163.08
64
201.16
201.89
202.56
203.15
203.69
65
111.47
111.65
111.81
111.96
112.10
 
 
 
 
 
 
Age Next Birthday
Term of Loan
21
22
23
24
25
20
5.09
5.09
5.09
5.09
5.09
21
5.09
5.09
5.09
5.09
5.09
22
5.09
5.09
5.09
5.09
5.22
23
5.09
5.09
5.09
5.22
5.38
24
5.09
5.09
5.22
5.38
5.54
25
5.09
5.22
5.38
5.54
5.72
26
5.22
5.38
5.54
5.72
6.11
27
5.38
5.54
5.72
6.11
6.29
28
5.54
5.72
6.11
6.29
6.49
29
5.72
6.11
6.29
6.49
6.71
30
6.11
6.30
6.49
6.71
6.94
31
6.50
6.69
6.91
7.13
7.36
32
6.76
7.01
7.33
7.53
7.74
33
7.10
7.52
7.70
7.89
8.09
34
7.52
7.70
7.89
8.09
8.30
35
8.10
8.29
8.48
8.69
8.90
36
8.76
8.96
9.16
9.36
9.58
37
9.51
9.70
9.91
10.11
10.32
38
10.35
10.53
10.74
10.93
11.13
39
11.27
11.46
11.64
11.82
12.00
40
12.50
12.72
12.97
13.23
13.50
41
13.87
14.12
14.46
14.82
15.17
42
15.42
15.69
16.13
16.58
17.40
43
16.04
16.49
17.20
18.06
19.02
44
16.84
17.82
18.72
19.72
20.61
45
17.82
18.72
19.72
20.61
21.41
46
19.43
20.31
21.28
22.14
22.92
47
21.71
22.63
23.59
24.45
25.24
48
24.10
25.09
26.06
26.92
27.72
49
29.31
30.49
31.55
32.52
33.41
50
32.69
33.83
34.89
35.84
36.71
51
36.35
37.48
38.49
39.42
40.26
52
40.33
41.42
42.41
43.31
44.14
53
44.67
45.73
46.69
47.56
48.37
54
49.44
50.46
51.39
52.23
53.01
55
56.94
57.96
58.89
59.73
60.52
56
59.81
60.74
61.58
62.35
63.05
57
67.98
68.87
69.69
70.43
71.12
58
77.23
78.09
78.90
79.60
80.27
59
95.89
96.79
97.61
98.36
99.05
60
106.15
106.97
107.71
108.38
109.01
61
118.79
119.51
120.18
120.78
121.34
62
135.89
136.52
137.10
137.63
138.12
63
163.69
164.23
164.74
165.19
165.61
64
204.16
204.59
204.99
205.36
205.68
65
112.21
112.33
112.42
112.51
112.60
 
 
 
 
 
 
Age Next Birthday
Term of Loan
26
27
28
29
30
20
5.09
5.22
5.38
5.54
5.72
21
5.22
5.38
5.54
5.72
6.10
22
5.38
5.54
5.72
6.10
6.27
23
5.54
5.72
6.10
6.27
6.43
24
5.72
6.10
6.27
6.43
6.61
25
6.10
6.27
6.44
6.64
6.84
26
6.29
6.49
6.71
6.93
7.16
27
6.49
6.71
6.93
7.18
7.43
28
6.71
6.93
7.18
7.43
7.72
29
6.93
7.18
7.43
7.72
7.98
30
7.18
7.44
7.84
7.98
8.29
31
7.59
7.84
8.11
8.38
8.66
32
7.97
8.21
8.43
8.66
8.84
33
8.30
8.48
8.66
8.84
9.02
34
8.48
8.66
8.84
9.02
9.20
35
9.13
9.34
9.57
9.81
10.05
36
9.83
10.09
10.39
10.69
11.00
37
10.62
10.92
11.29
11.66
12.22
38
11.48
11.83
12.28
12.93
13.52
39
12.35
12.70
13.49
14.22
14.90
40
13.96
14.72
15.49
16.20
16.85
41
16.03
16.82
17.60
18.33
19.01
42
18.31
19.12
19.94
20.68
21.36
43
19.87
20.68
21.47
22.19
22.89
44
21.41
22.25
23.02
23.74
24.40
45
22.25
23.02
23.74
24.40
25.01
46
23.72
24.45
25.13
25.76
26.35
47
26.02
26.74
27.41
28.03
28.60
48
28.49
29.19
29.85
30.45
31.01
49
34.23
34.99
35.69
36.35
36.95
50
37.51
38.25
38.94
39.57
40.17
51
41.05
41.78
42.45
43.07
43.65
52
44.90
45.61
46.26
46.85
47.41
53
49.10
49.78
50.42
51.00
51.54
54
53.73
54.38
54.99
55.56
56.08
55
61.22
61.88
62.49
63.05
63.58
56
63.70
64.30
64.85
65.35
65.84
57
71.75
72.33
72.87
73.37
73.84
58
80.87
81.44
81.95
82.44
82.88
59
99.67
100.26
100.80
101.29
101.76
60
109.58
110.11
110.59
111.05
111.47
61
121.85
122.32
122.76
123.16
123.53
62
138.56
138.98
139.36
139.72
140.05
63
166.00
166.36
166.68
166.99
167.27
64
205.99
206.27
206.52
206.77
206.99
65
112.68
112.75
112.81
112.88
112.93
 
 
 
 
 
 
Age Next Birthday
Term of Loan
31
32
33
34
35
20
6.10
6.27
6.43
6.61
6.84
21
6.27
6.43
6.61
6.84
7.09
22
6.43
6.61
6.84
7.09
7.29
23
6.61
6.84
7.09
7.30
7.52
24
6.84
7.12
7.34
7.58
7.82
25
7.16
7.42
7.67
7.85
7.99
26
7.43
7.72
7.85
7.99
8.47
27
7.72
7.98
8.12
8.47
8.51
28
7.98
8.12
8.47
8.51
8.55
29
8.12
8.47
8.51
8.55
8.59
30
8.47
8.51
8.55
8.59
8.62
31
8.84
8.96
9.09
9.20
9.31
32
8.99
9.15
9.35
9.46
10.15
33
9.20
9.49
9.60
10.15
10.66
34
9.49
9.60
10.15
10.66
11.14
35
10.50
10.92
11.42
11.89
12.31
36
11.50
11.94
12.44
12.92
13.34
37
12.75
13.23
13.74
14.23
14.67
38
14.10
14.63
15.16
15.66
16.12
39
15.54
16.13
16.67
17.19
17.67
40
17.50
18.10
18.66
19.19
19.68
41
19.65
20.27
20.84
21.37
21.88
42
22.03
22.64
23.22
23.77
24.28
43
23.52
24.12
24.68
25.20
25.69
44
25.01
25.59
26.12
26.62
27.09
45
25.59
26.12
26.62
27.09
27.53
46
26.89
27.40
27.88
28.33
28.75
47
29.14
29.64
30.10
30.54
30.95
48
31.53
32.02
32.48
32.91
33.31
49
37.51
38.03
38.53
38.99
39.42
50
40.72
41.22
41.71
42.15
42.58
51
44.18
44.68
45.15
45.59
45.99
52
47.94
48.43
48.88
49.31
49.71
53
52.05
52.52
52.97
53.38
53.77
54
56.57
57.03
57.45
57.86
58.23
55
64.07
64.53
64.96
65.35
65.73
56
66.28
66.70
67.08
67.44
67.79
57
74.27
74.67
75.04
75.40
75.73
58
83.30
83.68
84.05
84.39
84.71
59
102.19
102.59
102.97
103.32
103.66
60
111.86
112.22
112.57
112.88
113.18
61
123.89
124.21
124.51
124.80
125.06
62
140.35
140.64
140.90
141.16
141.40
63
167.54
167.78
168.01
168.24
168.43
64
207.20
207.40
207.57
207.75
207.91
65
112.98
113.03
113.07
113.12
113.17
 
 
 
 
 
 
Age Next Birthday
Term of Loan
36
37
38
39
40
20
7.09
7.29
7.49
7.71
7.94
21
7.29
7.49
7.71
7.94
8.17
22
7.49
7.71
7.95
8.21
8.47
23
7.76
7.99
8.27
8.51
8.55
24
7.99
8.38
8.51
8.55
8.59
25
8.47
8.51
8.55
8.59
8.62
26
8.51
8.55
8.59
8.62
8.71
27
8.55
8.59
8.62
8.71
9.16
28
8.59
8.62
8.71
9.16
9.58
29
8.62
8.71
9.16
9.58
9.98
30
8.99
9.47
9.92
10.34
10.74
31
9.81
10.28
10.74
11.17
11.56
32
10.66
11.14
11.60
12.02
12.43
33
11.14
11.60
12.02
12.43
12.81
34
11.60
12.02
12.43
12.81
13.17
35
12.77
13.20
13.60
13.99
14.34
36
13.79
14.22
14.62
15.00
15.35
37
15.12
15.55
15.96
16.34
16.69
38
16.57
17.00
17.41
17.79
18.14
39
18.14
18.57
18.96
19.35
19.71
40
20.14
20.58
21.00
21.37
21.75
41
22.34
22.79
23.21
23.60
23.97
42
24.75
25.20
25.62
26.02
26.40
43
26.15
26.58
26.99
27.37
28.70
44
27.53
27.95
28.33
28.70
29.04
45
27.95
28.33
28.70
29.04
29.37
46
29.14
29.50
29.85
30.18
30.50
47
31.34
31.70
32.04
32.36
32.67
48
33.69
34.04
34.38
34.69
34.99
49
39.83
40.20
40.56
40.91
41.23
50
42.97
43.35
43.70
44.04
44.35
51
46.39
46.75
47.09
47.41
47.72
52
50.08
50.44
50.78
51.09
51.39
53
54.14
54.47
54.80
55.10
55.39
54
58.58
58.91
59.22
59.52
59.80
55
66.08
66.41
66.73
67.02
67.30
56
68.10
68.40
68.69
68.96
69.21
57
76.04
76.33
76.61
76.87
77.11
58
85.01
85.29
85.55
85.81
86.04
59
103.97
104.26
104.53
104.80
105.04
60
113.47
113.74
113.99
114.23
114.44
61
125.33
125.56
125.78
125.99
126.19
62
141.61
141.82
142.01
142.20
142.37
63
168.62
168.80
168.97
169.13
169.28
64
208.06
208.20
208.34
208.46
208.58
65
113.20
113.23
113.26
113.30
113.33
”;
(c)by deleting Table 3B and substituting the following Table:
“Table 3B
(For policies entered into, adjusted or renewed
with policy year commencing on or after 1st January 2012)
“HOME PROTECTION INSURANCE ANNUAL PREMIUM
RATE PER $10,000 INITIAL COVER FOR MALE MEMBER
(LOANS UNDER MARKET INTEREST RATE)
Age Next Birthday
Term of Loan
1
2
3
4
5
20
4.73
8.90
6.61
5.84
5.46
21
4.73
8.90
6.61
5.84
5.46
22
4.73
8.90
6.61
5.84
5.46
23
4.73
8.90
6.61
5.84
5.46
24
4.73
8.90
6.61
5.84
5.46
25
4.73
8.90
6.61
5.84
5.46
26
4.73
8.90
6.61
5.84
5.46
27
4.73
8.90
6.61
5.84
5.46
28
4.73
8.90
6.61
5.84
5.46
29
4.73
8.90
6.61
5.84
5.46
30
4.73
8.90
6.61
5.84
5.46
31
4.73
8.90
6.61
5.84
5.46
32
4.73
8.90
6.61
5.84
5.46
33
4.73
8.90
6.61
5.84
5.46
34
4.73
8.90
6.61
5.84
5.46
35
4.73
8.90
6.61
6.08
5.94
36
4.79
9.31
7.21
6.66
6.51
37
5.24
10.21
7.91
7.31
7.16
38
5.77
11.26
8.73
8.08
7.93
39
6.36
12.46
9.66
8.96
8.80
40
7.07
13.83
10.74
9.97
9.79
41
7.07
13.83
10.74
9.97
9.79
42
7.49
14.67
11.40
10.59
10.41
43
8.36
16.38
12.73
11.82
11.62
44
9.33
18.28
14.21
13.20
12.97
45
10.42
20.41
15.86
14.73
14.48
46
12.79
24.99
19.32
18.07
17.77
47
14.28
27.95
21.73
20.16
19.80
48
15.92
31.16
24.21
22.46
22.06
49
17.73
34.72
26.96
25.00
24.54
50
19.75
38.62
29.99
27.81
27.29
51
21.96
42.93
33.33
30.89
30.29
52
24.39
47.67
36.99
34.28
33.61
53
27.06
52.88
41.01
37.99
37.24
54
30.01
58.58
45.43
42.06
41.22
55
33.21
64.83
50.25
46.52
45.18
56
40.07
78.17
60.58
56.06
53.96
57
44.26
86.30
66.86
61.86
59.02
58
48.84
95.18
73.72
68.18
64.47
59
53.83
104.87
81.19
75.08
70.34
60
59.27
115.39
89.33
82.58
78.04
61
59.27
115.39
89.33
82.58
78.72
62
62.69
121.92
94.34
87.18
103.15
63
68.82
133.76
103.49
128.93
142.98
64
75.50
146.61
192.35
215.21
228.90
65
82.73
117.21
128.70
134.44
137.88
●Where the premium payable is less than $1.00, the minimum premium of $1.00 shall be charged.
●The annual premium is payable for 90% (rounded down to the nearest year) of the period of cover, or for such lesser percentage of the period of cover as the Board may, in its discretion, determine, subject to a minimum of 1 year.
 
 
 
 
 
 
Age Next Birthday
Term of Loan
6
7
8
9
10
20
5.24
5.11
5.01
4.94
4.91
21
5.24
5.11
5.01
4.94
4.91
22
5.24
5.11
5.01
4.94
4.91
23
5.24
5.11
5.01
4.94
4.91
24
5.24
5.11
5.01
4.94
4.91
25
5.24
5.11
5.01
4.94
4.91
26
5.24
5.11
5.01
4.94
4.91
27
5.24
5.11
5.01
4.94
4.91
28
5.24
5.11
5.01
4.94
4.91
29
5.24
5.11
5.01
4.94
4.91
30
5.24
5.11
5.01
4.94
4.91
31
5.24
5.11
5.01
4.94
4.91
32
5.24
5.11
5.01
4.95
5.10
33
5.24
5.11
5.22
5.36
5.53
34
5.46
5.53
5.67
5.84
6.05
35
5.96
6.05
6.21
6.41
6.65
36
6.53
6.66
6.83
7.07
7.34
37
7.21
7.35
7.56
7.82
8.12
38
7.98
8.14
8.39
8.68
9.02
39
8.87
9.06
9.32
9.65
10.04
40
9.79
9.86
10.09
10.39
10.76
41
9.86
10.09
10.39
10.76
11.19
42
10.49
10.72
11.05
11.45
11.90
43
11.71
11.97
12.33
12.77
13.27
44
13.07
13.36
13.76
14.25
14.80
45
14.59
14.90
15.35
15.88
16.50
46
17.90
18.27
18.81
19.47
20.21
47
19.94
20.36
20.96
21.67
22.48
48
22.21
22.66
23.31
24.10
25.00
49
24.71
25.20
25.92
26.77
27.76
50
27.46
28.00
28.77
29.72
30.80
51
30.47
31.06
31.91
32.95
34.13
52
33.79
34.42
35.35
36.49
37.79
53
37.42
38.12
39.13
40.37
41.79
54
41.40
42.15
43.25
44.61
46.16
55
45.32
46.05
47.23
48.67
50.31
56
54.03
54.83
56.17
57.85
59.77
57
59.00
59.76
61.19
62.97
70.12
58
64.34
65.06
66.57
74.77
81.26
59
69.89
70.34
79.99
87.49
93.47
60
78.72
88.52
97.50
104.38
109.66
61
88.52
97.50
104.38
109.66
113.86
62
114.46
122.40
128.47
133.16
136.87
63
152.84
159.80
165.11
169.21
172.46
64
238.02
244.51
249.39
253.17
256.19
65
140.18
141.81
143.02
143.98
144.74
 
 
 
 
 
 
Age Next Birthday
Term of Loan
11
12
13
14
15
20
5.30
5.24
5.20
5.19
5.19
21
5.30
5.24
5.20
5.19
5.19
22
5.30
5.24
5.20
5.19
5.19
23
5.30
5.24
5.20
5.19
5.19
24
5.30
5.24
5.20
5.19
5.19
25
5.30
5.24
5.20
5.19
5.19
26
5.30
5.24
5.20
5.19
5.19
27
5.30
5.24
5.20
5.19
5.19
28
5.30
5.24
5.20
5.19
5.32
29
5.30
5.24
5.35
5.49
5.66
30
5.44
5.44
5.56
5.70
5.86
31
5.44
5.56
5.70
5.86
6.05
32
5.73
5.89
6.06
6.27
6.51
33
6.22
6.41
6.62
6.86
7.13
34
6.82
7.02
7.27
7.53
7.84
35
7.50
7.73
8.01
8.32
8.66
36
8.28
8.55
8.87
9.22
9.59
37
9.18
9.49
9.84
10.23
10.66
38
10.20
10.55
10.94
11.37
11.85
39
10.66
11.07
12.18
12.67
13.20
40
11.19
12.66
13.09
13.58
14.12
41
12.66
13.09
13.58
14.12
14.71
42
13.46
13.91
14.42
14.99
15.60
43
15.00
15.51
16.07
16.70
17.37
44
16.72
17.28
17.90
18.59
19.33
45
18.54
19.06
19.65
20.30
21.01
46
22.60
23.11
23.71
24.35
25.06
47
25.02
25.45
25.96
26.52
27.15
48
27.66
27.99
28.39
28.86
29.36
49
30.56
30.76
31.02
31.34
31.70
50
33.96
34.24
34.66
35.15
35.70
51
37.68
38.06
38.67
39.38
40.15
52
41.77
42.27
43.11
44.06
47.27
53
46.27
46.89
48.01
51.92
55.17
54
50.90
51.40
56.25
60.40
63.98
55
55.89
60.85
65.33
69.11
72.31
56
65.65
70.37
74.60
78.19
81.25
57
75.63
80.09
84.05
87.41
90.28
58
86.43
90.66
94.37
97.50
100.19
59
98.36
102.42
105.84
108.77
111.28
60
113.86
117.38
120.31
122.78
124.88
61
117.38
120.31
122.78
124.88
126.70
62
139.97
142.57
144.75
146.62
148.22
63
175.17
177.42
179.32
180.94
182.34
64
258.65
260.69
262.42
263.90
265.17
65
145.35
145.87
146.31
146.67
146.99
 
 
 
 
 
 
Age Next Birthday
Term of Loan
16
17
18
19
20
20
5.19
5.19
5.19
5.19
5.19
21
5.19
5.19
5.19
5.19
5.19
22
5.19
5.19
5.19
5.19
5.19
23
5.19
5.19
5.19
5.19
5.22
24
5.19
5.19
5.19
5.22
5.35
25
5.19
5.19
5.22
5.35
5.52
26
5.19
5.22
5.35
5.52
5.70
27
5.22
5.35
5.52
5.70
5.90
28
5.48
5.66
5.85
6.07
6.30
29
5.84
6.04
6.26
6.50
6.76
30
6.05
6.27
6.50
6.76
7.04
31
6.27
6.50
6.76
7.04
7.33
32
6.76
7.04
7.35
7.66
8.01
33
7.42
7.73
8.07
8.44
8.82
34
8.17
8.52
8.90
9.31
9.75
35
9.00
9.37
9.75
10.17
10.62
36
9.95
10.32
10.71
11.14
11.58
37
11.01
11.39
11.78
12.21
12.65
38
12.21
12.58
12.97
13.38
13.82
39
13.54
13.90
14.28
14.68
15.10
40
14.71
15.04
15.38
15.74
16.11
41
15.04
15.38
15.74
16.11
16.49
42
15.91
16.24
16.58
16.92
18.08
43
17.68
18.01
18.33
18.67
19.00
44
19.63
19.95
20.26
20.58
20.89
45
21.35
21.69
22.12
22.54
22.97
46
25.49
25.93
26.52
27.13
27.75
47
27.63
28.13
28.88
29.64
31.31
48
29.91
30.47
31.40
33.38
35.07
49
32.04
32.40
34.88
37.07
39.06
50
36.52
38.82
41.16
43.20
45.00
51
42.98
45.35
47.70
49.78
51.60
52
50.17
52.61
55.00
57.09
58.96
53
58.16
60.74
63.14
65.27
67.17
54
67.11
69.86
72.28
74.45
76.38
55
75.30
77.90
80.22
82.28
84.13
56
84.05
86.52
88.71
90.67
92.41
57
92.90
95.20
97.24
99.05
100.67
58
102.61
104.73
106.60
108.29
109.78
59
113.48
115.43
117.14
118.66
120.02
60
126.70
128.29
129.69
130.92
132.02
61
128.29
129.69
130.92
132.02
133.00
62
149.62
150.85
151.96
152.91
153.79
63
183.57
184.65
185.59
186.43
187.19
64
266.28
267.26
268.12
268.89
269.58
65
147.27
147.51
147.74
147.93
148.09
 
 
 
 
 
 
Age Next Birthday
Term of Loan
21
22
23
24
25
20
5.19
5.19
5.22
5.35
5.52
21
5.19
5.22
5.35
5.52
5.70
22
5.22
5.35
5.52
5.70
5.90
23
5.35
5.52
5.70
5.90
6.30
24
5.52
5.70
5.90
6.30
6.51
25
5.70
5.90
6.30
6.51
6.72
26
5.90
6.30
6.51
6.72
6.96
27
6.30
6.55
6.78
7.05
7.33
28
6.76
7.01
7.30
7.59
7.91
29
7.03
7.32
7.72
8.01
8.26
30
7.33
7.85
8.11
8.40
8.71
31
7.85
8.11
8.40
8.71
9.04
32
8.56
8.83
9.12
9.43
9.74
33
9.40
9.66
9.94
10.23
10.54
34
10.34
10.59
10.85
11.13
11.40
35
11.25
11.52
11.80
12.06
12.35
36
12.26
12.53
12.81
13.08
13.36
37
13.37
13.64
13.92
14.20
14.48
38
14.59
14.85
15.13
15.40
15.67
39
15.48
16.17
16.43
16.70
16.94
40
16.49
17.49
17.92
18.39
18.88
41
17.49
17.92
18.39
18.88
19.37
42
18.37
18.86
19.44
20.03
21.06
43
20.27
20.90
21.64
22.90
24.02
44
22.30
23.00
24.55
25.96
27.24
45
24.60
26.15
27.62
28.96
30.18
46
29.58
31.20
32.75
34.16
35.43
47
33.12
34.73
36.24
37.62
38.88
48
36.86
38.46
39.96
41.31
42.54
49
40.84
42.44
43.91
45.23
46.45
50
46.78
48.40
49.86
51.19
52.42
51
53.39
55.01
56.47
57.80
59.02
52
60.73
62.34
63.80
65.14
66.35
53
68.93
70.53
71.98
73.30
74.50
54
78.13
79.69
81.14
82.44
83.63
55
85.80
87.30
88.66
89.91
91.05
56
93.99
95.41
96.70
97.87
98.95
57
102.14
103.46
104.66
105.76
106.76
58
111.13
112.36
113.45
114.46
115.39
59
121.25
122.37
123.37
124.29
125.14
60
133.00
133.90
134.70
135.42
136.10
61
133.90
134.70
135.42
136.10
136.70
62
154.57
155.28
155.92
156.51
157.04
63
187.88
188.50
189.04
189.57
190.03
64
270.20
270.75
271.27
271.73
272.15
65
148.25
148.40
148.52
148.64
148.74
 
 
 
 
 
 
Age Next Birthday
Term of Loan
26
27
28
29
30
20
5.70
5.90
6.30
6.49
6.68
21
5.90
6.30
6.49
6.68
6.87
22
6.30
6.50
6.69
6.91
7.13
23
6.51
6.72
6.96
7.15
7.34
24
6.72
6.96
7.15
7.34
7.55
25
6.96
7.15
7.34
7.55
7.79
26
7.15
7.34
7.55
7.79
8.03
27
7.53
7.74
7.96
8.19
8.42
28
8.11
8.29
8.50
8.71
8.92
29
8.50
8.77
8.98
9.21
9.47
30
9.04
9.25
9.49
9.71
9.94
31
9.25
9.49
9.71
9.94
10.17
32
9.99
10.26
10.52
10.78
11.05
33
10.83
11.12
11.42
11.72
12.02
34
11.73
12.07
12.41
12.76
13.10
35
12.76
13.18
13.60
14.03
14.47
36
13.88
14.40
14.92
15.45
15.99
37
15.10
15.74
16.36
17.01
17.91
38
16.41
17.20
17.95
19.00
19.96
39
17.89
18.90
19.31
20.37
21.31
40
19.37
19.61
20.77
21.80
22.75
41
19.61
20.77
21.80
22.75
23.64
42
22.30
23.44
24.47
25.41
26.29
43
25.23
26.35
27.36
28.30
29.17
44
28.42
29.50
30.51
31.43
32.29
45
31.34
32.41
33.39
34.30
35.13
46
36.64
37.76
38.77
39.73
40.60
47
40.05
41.14
42.14
43.07
43.93
48
43.70
44.75
45.73
46.62
47.45
49
47.56
48.59
49.54
50.41
51.22
50
53.54
54.58
55.52
56.40
57.22
51
60.15
61.18
62.13
63.01
63.82
52
67.47
68.50
69.44
70.33
71.13
53
75.62
76.63
77.57
78.44
79.24
54
84.73
85.73
86.67
87.52
88.33
55
92.10
93.06
93.93
94.76
95.51
56
99.93
100.85
101.69
102.45
103.18
57
107.68
108.53
109.30
110.02
110.69
58
116.23
117.01
117.74
118.39
119.00
59
125.91
126.61
127.27
127.88
128.44
60
136.70
137.24
137.76
138.24
138.67
61
137.24
137.76
138.24
138.67
139.07
62
157.54
157.99
158.41
158.79
159.15
63
190.45
190.85
191.21
191.54
191.86
64
272.54
272.90
273.23
273.53
273.82
65
148.85
148.93
149.02
149.09
149.16
 
 
 
 
 
 
Age Next Birthday
Term of Loan
31
32
33
34
35
20
6.87
7.13
7.34
7.55
7.79
21
7.13
7.34
7.55
7.79
8.03
22
7.34
7.55
7.79
8.03
8.23
23
7.55
7.79
8.03
8.23
8.30
24
7.79
8.03
8.23
8.30
8.36
25
8.03
8.23
8.30
8.36
8.42
26
8.23
8.30
8.36
8.42
8.48
27
8.67
8.78
8.88
8.96
9.04
28
9.22
9.34
9.46
9.58
9.69
29
9.64
9.82
10.13
10.27
10.40
30
10.17
10.56
10.76
11.02
11.29
31
10.56
10.76
11.02
11.29
11.55
32
11.49
11.72
12.06
12.42
12.91
33
12.52
12.79
13.23
13.82
14.36
34
13.52
13.70
14.48
15.22
15.92
35
15.13
15.74
16.47
17.13
17.75
36
16.72
17.37
18.10
18.77
19.40
37
18.70
19.39
20.15
20.84
21.48
38
20.81
21.57
22.36
23.08
23.75
39
22.16
23.00
23.76
24.47
25.14
40
23.64
24.44
25.18
25.87
26.51
41
24.44
25.18
25.87
26.51
27.12
42
27.09
27.83
28.52
29.17
29.78
43
29.97
30.71
31.40
32.04
32.65
44
33.09
33.83
34.52
35.17
35.77
45
35.92
36.65
37.32
37.96
38.55
46
41.42
42.18
42.88
43.54
44.16
47
44.72
45.46
46.15
46.80
47.39
48
48.24
48.96
49.62
50.26
50.84
49
51.98
52.68
53.33
53.94
54.51
50
57.98
58.67
59.33
59.93
60.50
51
64.58
65.27
65.94
66.54
67.12
52
71.88
72.58
73.24
73.85
74.41
53
80.00
80.69
81.35
81.94
82.51
54
89.06
89.74
90.39
90.99
91.55
55
96.22
96.88
97.49
98.06
98.58
56
103.84
104.46
105.03
105.57
106.07
57
111.31
111.89
112.43
112.92
113.40
58
119.58
120.12
120.60
121.07
121.50
59
128.96
129.45
129.88
130.32
130.71
60
139.07
139.45
139.80
140.12
140.43
61
139.45
139.80
140.12
140.43
140.71
62
159.48
159.79
160.07
160.35
160.60
63
192.14
192.42
192.67
192.90
193.12
64
274.08
274.32
274.54
274.76
274.95
65
149.24
149.29
149.34
149.40
149.46
 
 
 
 
 
 
Age Next Birthday
Term of Loan
36
37
38
39
40
20
8.03
8.23
8.30
8.36
8.42
21
8.23
8.30
8.36
8.42
8.48
22
8.30
8.36
8.42
8.48
8.85
23
8.36
8.42
8.48
8.85
9.25
24
8.42
8.48
8.85
9.25
9.67
25
8.48
8.85
9.25
9.67
10.10
26
8.85
9.25
9.67
10.10
10.55
27
9.45
9.89
10.33
10.81
11.37
28
10.13
10.60
11.09
11.68
12.24
29
10.89
11.39
12.01
12.59
13.14
30
11.55
12.21
12.81
13.38
13.91
31
12.21
12.81
13.38
13.91
14.42
32
13.56
14.16
14.73
15.26
15.78
33
15.00
15.62
16.18
16.71
17.22
34
16.57
17.18
17.76
18.29
18.79
35
18.40
19.02
19.59
20.14
20.64
36
20.04
20.65
21.22
21.76
22.26
37
22.14
22.75
23.32
23.86
24.37
38
24.40
25.02
25.59
26.14
26.65
39
25.77
26.36
26.92
27.43
27.92
40
27.12
27.69
28.21
28.71
29.18
41
27.69
28.21
28.71
29.18
29.62
42
30.34
30.87
31.37
31.83
32.28
43
33.22
33.74
34.25
34.71
35.15
44
36.33
36.86
37.36
37.82
38.26
45
39.10
39.62
40.11
40.57
41.00
46
44.73
45.28
45.78
46.27
46.71
47
47.96
48.49
48.98
49.45
49.89
48
51.39
51.90
52.39
52.84
53.27
49
55.04
55.54
56.01
56.46
56.87
50
61.05
61.55
62.01
62.46
62.88
51
67.65
68.16
68.62
69.08
69.48
52
74.96
75.45
75.92
76.36
76.78
53
83.04
83.53
84.00
84.45
84.86
54
92.07
92.56
93.02
93.45
93.86
55
99.08
99.55
99.99
100.40
100.79
56
106.56
106.99
107.42
107.81
108.17
57
113.83
114.25
114.63
115.00
115.34
58
121.90
122.28
122.64
122.97
123.29
59
131.09
131.42
131.74
132.05
132.35
60
140.71
140.98
141.23
141.46
141.69
61
140.98
141.23
141.46
141.69
141.89
62
160.84
161.05
161.26
161.45
161.64
63
193.32
193.52
193.69
193.85
194.02
64
275.14
275.32
275.49
275.64
275.78
65
149.50
149.54
149.58
149.63
149.66
”; and
(d)by deleting Table 4B and substituting the following Table:
“Table 4B
(For policies entered into, adjusted or renewed
with policy year commencing on or after 1st January 2012)
“HOME PROTECTION INSURANCE ANNUAL PREMIUM
RATE PER $10,000 INITIAL COVER FOR FEMALE MEMBER
(LOANS UNDER MARKET INTEREST RATE)
Age Next Birthday
Term of Loan
1
2
3
4
5
20
4.73
8.82
6.52
5.80
5.46
21
4.73
8.90
6.52
5.84
5.46
22
4.73
8.90
6.61
5.84
5.46
23
4.73
8.90
6.61
5.84
5.46
24
4.73
8.90
6.61
5.84
5.46
25
4.73
8.90
6.61
5.84
5.46
26
4.73
8.90
6.61
5.84
5.46
27
4.73
8.90
6.61
5.84
5.46
28
4.73
8.90
6.61
5.84
5.46
29
4.73
8.90
6.61
5.84
5.46
30
4.73
8.90
6.61
5.84
5.46
31
4.73
8.90
6.61
5.84
5.46
32
4.73
8.90
6.61
5.84
5.46
33
4.73
8.90
6.61
5.84
5.46
34
4.73
8.90
6.61
5.84
5.46
35
4.73
8.90
6.61
5.84
5.46
36
4.73
8.90
6.61
5.84
5.46
37
4.73
8.90
6.61
5.84
5.46
38
4.73
8.90
6.61
6.08
5.94
39
4.79
9.31
7.21
6.66
6.51
40
5.24
10.21
7.91
7.31
7.16
41
5.77
11.26
8.73
8.08
7.93
42
6.36
12.46
9.66
8.96
8.80
43
7.07
13.83
10.74
9.97
9.79
44
7.07
13.83
10.74
9.97
9.79
45
7.49
14.67
11.40
10.59
10.41
46
8.36
16.38
12.73
11.82
11.62
47
9.33
18.28
14.21
13.20
12.97
48
10.42
20.41
15.86
14.73
14.48
49
12.79
24.99
19.32
18.07
17.77
50
14.28
27.95
21.73
20.16
19.80
51
15.92
31.16
24.21
22.46
22.06
52
17.73
34.72
26.96
25.00
24.54
53
19.75
38.62
29.99
27.81
27.29
54
21.96
42.93
33.33
30.89
30.29
55
24.39
47.67
36.99
34.28
33.61
56
27.06
52.88
41.01
37.99
37.24
57
30.01
58.58
45.43
42.06
41.22
58
33.21
64.83
50.25
46.52
45.56
59
40.07
78.17
60.58
56.06
54.89
60
44.26
86.30
66.86
61.86
60.55
61
48.84
95.18
73.72
68.18
66.72
62
53.83
104.87
81.19
75.08
90.47
63
59.27
115.39
89.33
111.42
124.67
64
59.27
115.39
145.75
163.11
173.51
65
62.69
88.85
97.57
101.93
104.54
●Where the premium payable is less than $1.00, the minimum premium of $1.00 shall be charged.
●The annual premium is payable for 90% (rounded down to the nearest year) of the period of cover, or for such lesser percentage of the period of cover as the Board may, in its discretion, determine, subject to a minimum of 1 year.
 
Age Next Birthday
Term of Loan
6
7
8
9
10
20
5.24
5.11
5.01
4.94
4.91
21
5.24
5.11
5.01
4.94
4.91
22
5.24
5.11
5.01
4.94
4.91
23
5.24
5.11
5.01
4.94
4.91
24
5.24
5.11
5.01
4.94
4.91
25
5.24
5.11
5.01
4.94
4.91
26
5.24
5.11
5.01
4.94
4.91
27
5.24
5.11
5.01
4.94
4.91
28
5.24
5.11
5.01
4.94
4.91
29
5.24
5.11
5.01
4.94
4.91
30
5.24
5.11
5.01
4.94
4.91
31
5.24
5.11
5.01
4.94
4.91
32
5.24
5.11
5.01
4.94
4.91
33
5.24
5.11
5.01
4.94
4.91
34
5.24
5.11
5.01
4.94
4.91
35
5.24
5.11
5.01
4.95
5.10
36
5.24
5.11
5.22
5.36
5.53
37
5.46
5.53
5.67
5.84
6.05
38
5.96
6.05
6.21
6.41
6.65
39
6.53
6.66
6.83
7.07
7.34
40
7.21
7.35
7.56
7.82
8.12
41
7.98
8.14
8.39
8.68
9.02
42
8.87
9.06
9.32
9.65
10.04
43
9.79
9.86
10.09
10.39
10.76
44
9.86
10.09
10.39
10.76
11.19
45
10.49
10.72
11.05
11.45
11.90
46
11.71
11.97
12.33
12.77
13.27
47
13.07
13.36
13.76
14.25
14.80
48
14.59
14.90
15.35
15.88
16.50
49
17.90
18.27
18.81
19.47
20.21
50
19.88
20.23
20.77
21.40
22.13
51
22.07
22.38
22.88
23.51
24.23
52
24.48
24.73
25.20
25.78
26.48
53
27.12
27.31
27.71
28.25
28.90
54
30.00
30.10
30.43
30.92
31.50
55
33.37
33.57
34.04
34.69
35.46
56
37.07
37.42
38.04
38.88
39.86
57
41.14
41.63
42.45
43.51
48.28
58
45.62
46.27
47.33
53.16
57.75
59
55.10
56.06
63.85
69.91
74.74
60
60.77
70.18
77.23
82.70
87.07
61
78.46
86.83
93.11
97.97
101.86
62
100.73
108.04
113.51
117.76
121.14
63
133.48
139.76
144.47
148.12
151.03
64
180.44
185.38
189.08
191.95
194.25
65
106.27
107.51
108.43
109.17
109.74
 
 
 
 
 
 
Age Next Birthday
Term of Loan
11
12
13
14
15
20
5.30
5.24
5.20
5.19
5.19
21
5.30
5.24
5.20
5.19
5.19
22
5.30
5.24
5.20
5.19
5.19
23
5.30
5.24
5.20
5.19
5.19
24
5.30
5.24
5.20
5.19
5.19
25
5.30
5.24
5.20
5.19
5.19
26
5.30
5.24
5.20
5.19
5.19
27
5.30
5.24
5.20
5.19
5.19
28
5.30
5.24
5.20
5.19
5.19
29
5.30
5.24
5.20
5.19
5.19
30
5.30
5.24
5.20
5.19
5.19
31
5.30
5.24
5.20
5.19
5.32
32
5.30
5.24
5.35
5.49
5.66
33
5.44
5.44
5.56
5.70
5.86
34
5.44
5.56
5.70
5.86
6.05
35
5.73
5.89
6.06
6.27
6.51
36
6.22
6.41
6.62
6.86
7.13
37
6.82
7.02
7.27
7.53
7.84
38
7.50
7.73
8.01
8.32
8.66
39
8.28
8.55
8.87
9.22
9.59
40
9.18
9.49
9.84
10.23
10.66
41
10.20
10.55
10.94
11.37
11.85
42
10.76
11.07
12.18
12.67
13.20
43
11.19
12.66
13.09
13.58
14.12
44
12.66
13.09
13.58
14.12
14.71
45
13.38
13.74
14.16
14.99
15.60
46
14.82
15.13
15.49
15.89
16.32
47
16.42
16.65
16.93
17.24
17.58
48
18.18
18.31
18.48
18.68
18.90
49
22.12
22.12
22.17
22.22
22.30
50
24.20
24.25
24.30
24.46
24.65
51
26.44
26.53
26.61
26.91
27.22
52
28.86
28.99
29.11
29.56
31.48
53
31.45
31.63
31.81
34.19
36.10
54
33.69
34.88
36.07
38.78
41.12
55
38.78
41.55
44.43
46.78
48.73
56
43.30
45.88
48.49
50.67
52.47
57
51.71
54.37
56.96
59.11
60.94
58
61.23
64.01
66.57
68.73
70.57
59
78.68
81.95
84.72
87.08
89.11
60
90.64
93.59
96.10
98.22
100.07
61
105.02
107.66
109.88
111.78
113.42
62
123.91
126.22
128.15
129.80
131.23
63
153.42
155.40
157.07
158.48
159.72
64
196.12
197.67
198.99
200.11
201.06
65
110.21
110.59
110.92
111.21
111.45
 
 
 
 
 
 
Age Next Birthday
Term of Loan
16
17
18
19
20
20
5.19
5.19
5.19
5.19
5.19
21
5.19
5.19
5.19
5.19
5.19
22
5.19
5.19
5.19
5.19
5.19
23
5.19
5.19
5.19
5.19
5.19
24
5.19
5.19
5.19
5.19
5.19
25
5.19
5.19
5.19
5.19
5.19
26
5.19
5.19
5.19
5.19
5.22
27
5.19
5.19
5.19
5.22
5.35
28
5.19
5.19
5.22
5.35
5.52
29
5.19
5.22
5.35
5.52
5.70
30
5.22
5.35
5.52
5.70
5.90
31
5.48
5.66
5.85
6.07
6.30
32
5.84
6.04
6.26
6.50
6.74
33
6.05
6.27
6.50
6.76
7.04
34
6.27
6.50
6.76
7.04
7.33
35
6.74
6.99
7.27
7.55
7.87
36
7.37
7.62
7.90
8.20
8.50
37
8.08
8.34
8.61
8.91
9.22
38
8.90
9.16
9.42
9.72
10.02
39
9.84
10.08
10.34
10.61
10.90
40
10.92
11.19
11.47
11.78
12.09
41
12.14
12.44
12.75
13.07
13.41
42
13.51
13.83
14.17
14.52
14.89
43
14.71
15.04
16.02
16.74
17.19
44
15.04
16.02
16.74
17.19
17.68
45
16.26
16.74
17.19
17.68
18.21
46
16.74
17.19
17.68
18.21
18.75
47
18.06
18.58
19.18
19.81
21.06
48
19.46
20.05
20.78
22.21
23.47
49
22.94
23.60
25.46
27.11
28.58
50
25.47
27.35
29.12
30.68
32.06
51
29.38
31.22
32.95
34.46
35.82
52
33.59
35.41
37.09
38.58
39.90
53
38.17
39.98
41.61
43.06
44.34
54
43.17
44.95
46.55
47.96
49.23
55
50.76
52.55
54.14
55.56
56.81
56
54.32
55.93
57.36
58.64
59.79
57
62.72
64.29
65.68
66.92
68.03
58
72.28
73.79
75.14
76.32
77.39
59
90.90
92.46
93.84
95.06
96.17
60
101.68
103.09
104.34
105.46
106.45
61
114.85
116.10
117.22
118.20
119.09
62
132.48
133.58
134.56
135.42
136.19
63
160.79
161.74
162.58
163.31
163.98
64
201.90
202.66
203.31
203.90
204.41
65
111.66
111.85
112.00
112.16
112.29
 
 
 
 
 
 
Age Next Birthday
Term of Loan
21
22
23
24
25
20
5.19
5.19
5.19
5.19
5.19
21
5.19
5.19
5.19
5.19
5.22
22
5.19
5.19
5.19
5.22
5.35
23
5.19
5.19
5.22
5.35
5.52
24
5.19
5.22
5.35
5.52
5.70
25
5.22
5.35
5.52
5.70
5.90
26
5.35
5.52
5.70
5.90
6.30
27
5.52
5.70
5.90
6.30
6.51
28
5.70
5.90
6.30
6.51
6.72
29
5.90
6.30
6.51
6.72
6.96
30
6.30
6.55
6.78
7.05
7.19
31
6.71
6.90
7.13
7.36
7.61
32
6.97
7.23
7.56
7.77
7.97
33
7.33
7.76
7.92
8.11
8.30
34
7.76
7.92
8.11
8.30
8.50
35
8.33
8.52
8.71
8.92
9.12
36
9.01
9.20
9.39
9.60
9.82
37
9.74
9.95
10.15
10.36
10.57
38
10.57
10.78
10.99
11.19
11.41
39
11.49
11.70
11.90
12.10
12.30
40
12.75
12.99
13.28
13.56
13.84
41
14.17
14.43
14.81
15.19
15.58
42
15.74
16.05
16.52
17.02
17.82
43
17.68
18.21
18.75
19.15
20.19
44
18.21
18.75
19.15
20.19
21.13
45
18.75
19.15
20.19
21.13
21.96
46
19.84
20.78
21.78
22.68
23.48
47
22.17
23.14
24.13
25.03
25.83
48
24.62
25.63
26.63
27.53
28.34
49
29.92
31.12
32.21
33.21
34.11
50
33.36
34.53
35.60
36.58
37.46
51
37.08
38.23
39.26
40.20
41.07
52
41.13
42.23
43.24
44.15
44.99
53
45.53
46.60
47.57
48.46
49.27
54
50.36
51.40
52.33
53.19
53.97
55
57.95
58.98
59.91
60.76
61.54
56
60.82
61.74
62.59
63.36
64.06
57
69.03
69.94
70.76
71.50
72.19
58
78.34
79.21
80.01
80.71
81.38
59
97.16
98.06
98.87
99.61
100.30
60
107.34
108.16
108.90
109.56
110.18
61
119.89
120.61
121.27
121.87
122.41
62
136.88
137.52
138.08
138.61
139.08
63
164.58
165.12
165.61
166.06
166.46
64
204.89
205.31
205.70
206.05
206.37
65
112.40
112.51
112.61
112.70
112.78
 
 
 
 
 
 
Age Next Birthday
Term of Loan
26
27
28
29
30
20
5.22
5.35
5.52
5.70
5.90
21
5.35
5.52
5.70
5.90
6.30
22
5.52
5.70
5.90
6.30
6.49
23
5.70
5.90
6.30
6.49
6.65
24
5.90
6.30
6.49
6.65
6.87
25
6.30
6.50
6.65
6.91
7.06
26
6.51
6.72
6.96
7.15
7.33
27
6.72
6.96
7.15
7.33
7.54
28
6.96
7.15
7.33
7.54
7.77
29
7.15
7.33
7.54
7.77
8.00
30
7.40
7.62
7.85
8.09
8.33
31
7.83
8.04
8.28
8.52
8.76
32
8.17
8.39
8.61
8.83
9.04
33
8.50
8.69
8.90
9.09
9.29
34
8.69
8.90
9.09
9.29
9.50
35
9.35
9.59
9.85
10.10
10.36
36
10.09
10.36
10.68
11.01
11.34
37
11.41
12.30
12.65
13.00
13.29
38
12.30
12.65
13.00
13.29
13.89
39
12.65
13.00
13.83
14.59
15.30
40
14.34
15.11
15.91
16.65
17.31
41
16.48
17.28
18.09
18.84
19.53
42
18.74
19.61
20.40
21.18
21.92
43
21.13
21.96
22.83
23.63
24.36
44
21.96
22.83
23.63
24.36
25.04
45
22.83
23.63
24.36
25.04
25.66
46
24.31
25.06
25.75
26.40
26.99
47
26.63
27.37
28.05
28.68
29.26
48
29.12
29.84
30.50
31.12
31.68
49
34.95
35.72
36.43
37.09
37.69
50
38.27
39.02
39.71
40.35
40.95
51
41.86
42.59
43.27
43.89
44.46
52
45.76
46.46
47.12
47.72
48.28
53
50.01
50.69
51.32
51.91
52.45
54
54.69
55.34
55.94
56.52
57.02
55
62.25
62.91
63.52
64.07
64.60
56
64.70
65.29
65.85
66.35
66.82
57
72.81
73.39
73.91
74.40
74.87
58
81.98
82.53
83.04
83.51
83.95
59
100.92
101.50
102.02
102.50
102.96
60
110.74
111.26
111.74
112.18
112.58
61
122.92
123.37
123.79
124.19
124.56
62
139.52
139.92
140.29
140.64
140.96
63
166.85
167.18
167.51
167.81
168.08
64
206.67
206.94
207.19
207.42
207.64
65
112.85
112.92
112.99
113.04
113.10
 
 
 
 
 
 
Age Next Birthday
Term of Loan
31
32
33
34
35
20
6.30
6.49
6.65
6.87
7.06
21
6.49
6.65
6.87
7.06
7.33
22
6.65
6.87
7.06
7.33
7.54
23
6.87
7.06
7.33
7.54
7.67
24
7.06
7.33
7.54
7.67
7.85
25
7.33
7.54
7.67
7.85
7.99
26
7.54
7.77
7.85
7.99
8.51
27
7.77
8.00
8.12
8.51
8.54
28
8.00
8.12
8.51
8.54
8.60
29
8.12
8.51
8.54
8.60
8.63
30
8.51
8.54
8.60
8.63
8.65
31
8.99
9.05
9.18
9.30
9.41
32
9.17
9.34
9.52
9.61
10.15
33
9.50
9.74
9.80
10.37
10.91
34
9.74
9.80
10.37
10.91
11.41
35
10.81
11.21
11.72
12.18
12.61
36
11.84
12.27
12.78
13.26
13.69
37
13.89
14.49
15.03
15.58
16.08
38
14.49
15.03
15.58
16.08
16.55
39
15.95
16.57
17.14
17.67
18.16
40
17.98
18.60
19.18
19.72
20.22
41
20.20
20.82
21.41
21.96
22.47
42
22.59
23.23
23.81
24.36
24.87
43
25.04
25.66
26.25
26.79
27.30
44
25.66
26.25
26.79
27.30
27.77
45
26.25
26.79
27.30
27.77
28.21
46
27.55
28.06
28.54
28.99
29.41
47
29.81
30.31
30.78
31.21
31.62
48
32.21
32.70
33.16
33.58
33.98
49
38.25
38.78
39.27
39.73
40.15
50
41.50
42.00
42.49
42.92
43.35
51
45.00
45.49
45.96
46.39
46.79
52
48.80
49.28
49.73
50.16
50.54
53
52.95
53.41
53.85
54.25
54.63
54
57.51
57.96
58.38
58.77
59.14
55
65.08
65.53
65.95
66.33
66.70
56
67.25
67.66
68.05
68.40
68.72
57
75.29
75.68
76.05
76.39
76.71
58
84.36
84.73
85.08
85.42
85.72
59
103.38
103.78
104.14
104.47
104.80
60
112.97
113.32
113.65
113.96
114.25
61
124.90
125.21
125.50
125.77
126.02
62
141.25
141.53
141.78
142.02
142.25
63
168.34
168.56
168.79
169.00
169.19
64
207.84
208.03
208.19
208.36
208.52
65
113.14
113.19
113.23
113.27
113.31
 
 
 
 
 
 
Age Next Birthday
Term of Loan
36
37
38
39
40
20
7.33
7.54
7.67
7.85
7.99
21
7.54
7.67
7.85
7.99
8.51
22
7.67
7.85
7.99
8.51
8.54
23
7.85
7.99
8.51
8.54
8.60
24
7.99
8.51
8.54
8.60
8.63
25
8.51
8.54
8.60
8.63
8.65
26
8.54
8.60
8.63
8.65
8.73
27
8.60
8.63
8.65
8.73
9.19
28
8.63
8.65
8.73
9.19
9.64
29
8.65
8.73
9.19
9.64
10.05
30
9.05
9.54
10.01
10.44
10.85
31
9.93
10.42
10.88
11.31
11.73
32
10.67
11.15
11.60
12.03
12.73
33
11.41
11.88
12.33
12.73
13.13
34
11.88
12.33
12.73
13.13
13.50
35
13.09
13.53
13.95
14.34
14.71
36
14.15
14.59
15.00
15.38
15.75
37
16.55
17.02
17.47
17.88
18.26
38
17.02
17.47
17.88
18.26
18.62
39
18.63
19.06
19.48
19.86
20.23
40
20.70
21.13
21.55
21.94
22.31
41
22.95
23.40
23.82
24.21
24.59
42
25.35
25.80
26.21
26.61
29.01
43
27.77
28.21
28.62
29.01
29.37
44
28.21
28.62
29.01
29.37
29.71
45
28.62
29.01
29.37
29.71
30.04
46
29.80
30.16
30.51
30.83
31.14
47
32.01
32.37
32.70
33.02
33.31
48
34.36
34.71
35.03
35.34
35.63
49
40.56
40.93
41.28
41.61
41.93
50
43.74
44.10
44.44
44.77
45.07
51
47.18
47.53
47.87
48.18
48.47
52
50.91
51.25
51.58
51.88
52.17
53
54.98
55.33
55.63
55.93
56.21
54
59.48
59.80
60.10
60.38
60.65
55
67.04
67.36
67.66
67.94
68.20
56
69.03
69.32
69.59
69.84
70.09
57
77.02
77.29
77.56
77.80
78.04
58
86.01
86.29
86.53
86.77
86.99
59
105.10
105.37
105.64
105.88
106.12
60
114.52
114.77
115.01
115.22
115.44
61
126.26
126.49
126.71
126.90
127.09
62
142.45
142.64
142.84
143.00
143.17
63
169.37
169.54
169.69
169.84
169.98
64
208.65
208.78
208.91
209.02
209.13
65
113.35
113.39
113.42
113.44
113.47
”.
Made this 22nd day of December 2011.
LOH KHUM YEAN
Permanent Secretary,
Ministry of Manpower,
Singapore.
[MMS 13.1/78 V23; AG/LLRD/SL/36/2010/36 Vol. 1]
(To be presented to Parliament under section 78(2) of the Central Provident Fund Act).
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