Home Loans


Guaranteed lower than HDB Concessionary Loan rate for the first 5 years!


POSB HDB Loan is the first HDB Loan to offer interest rates capped at the prevailing CPF Ordinary Account rate* for the first 5 years. Not only will you be protected from interest rate surprises, you could enjoy guaranteed savings too!


  • Guaranteed 0.1% p.a.* lower than HDB Concessionary Loan rate^ for the first 5 years
  • Enjoy savings from lower interest rates1 compared to HDB Concessionary Loan rate^
  • No prepayment fee

How to Apply

  • Have our Home Advice Specialist help you with your loan application

    Apply now

  • Visit any of our branches

Product Details

Your interest rates will be lower than or capped at 2.5% p.a.* for the first 5 years. Let‘s take a look at how this will benefit you in any interest rate environment.

Benefit from lower interest rates when rates are low.

hdb loans graph1

Enjoy greater stability and stay protected when interest rates are high

hdb loans graph1

Here‘s how much you can save over the first 5 years with POSB HDB Loan compared to HDB Concessionary Loan.

Loan AmountInterest Savings1 from POSB
HDB Loan at 2.18% p.a.2
Interest Savings1 from POSB
HDB Loan at 2.5%p.a.*

Interest rate savings over 5 years compared to HDB concessionary loan at 2.6% p.a.^

Who can apply for POSB HDB Loan?

  • HDB owners who have existing home loans with Housing Development Board or other banks/financial institutions
  • New HDB owners with completed flats.
  • Minimum loan of S$100,000 applies

Ready to get your new home?
DBS Home Connect™, your personal assistant will take you through all the steps of buying a new home from budgeting and comparing prices to checking out the neighbourhood. Download DBS Home Connect™ now!


^HDB Concessionary Loan rate is 2.60% p.a. at time of print.
*POSB HDB Loan interest rates are capped at prevailing CPF Ordinary Account (”OA”) rate which is at 2.5% p.a. at time of print. Details on CPF OA rate are available on the website of CPF Board.
1 Interest rate savings shown are indicative and for illustrative purposes only and computed using a tenure of 25 years
2 Based on 23 December 2015, FHR18 of 0.600% p.a. plus a spread of 1.58% p.a.. FHR18 refers to the DBS Bank‘s prevailing 18 months Singapore Dollar fixed deposit rates for amounts between S$1,000 to S$9,999 or such other sum as we may specify.

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