Home Loan Rates

Rates are applicable for residential properties (including HDB), quoted on per annum basis and are subject to change without prior notice. Check out our promotional rates here.

For purchase of property
Fixed Deposit Home Rate (FHR)
Floating Rate Package

Rates

Year 1 FHR18 + 1.30%
Year 2 FHR18 + 1.30%
Year 3 FHR18 + 1.30%
Year 4 and thereafter FHR18 + 1.30%

No lock-in period. Fixed Deposit Home Rate (FHR18) refers to the prevailing 18 months Singapore dollar fixed deposit interest rate of DBS Bank for amounts within $1,000 to $9,999 or such other sum as we may specify. The current FHR18 is 0.600% per annum.



For refinance of property
Fixed Deposit Home Rate (FHR)
Floating Rate Package

Rates

Year 1 FHR18 + 1.30%
Year 2 FHR18 + 1.30%
Year 3 FHR18 + 1.30%
Year 4 and thereafter FHR18 + 1.30%

No lock-in period. Cash rebate is given for loan amount of $500,000 or more. Fixed Deposit Home Rate (FHR18) refers to the prevailing 18 months Singapore dollar fixed deposit interest rate of DBS Bank for amounts within $1,000 to $9,999 or such other sum as we may specify. The current FHR18 is 0.600% per annum.



Singapore Interbank Offered Rate (SIBOR)
Floating Rate Package

Rates

Year 1 3-month SIBOR + 0.80%
Year 2 3-month SIBOR + 0.80%
Year 3 3-month SIBOR + 0.80%
Year 4 and thereafter 3-month SIBOR + 1.25%

3-month SIBOR refers to the 3-month Singapore Interbank Offered Rate based on the 11a.m. fixing by ABS on the first business day of the month. Click here to view the latest SIBOR rates, under the Rates & Fees tab.



Singapore Interbank Offered Rate (SIBOR)
Floating Rate Package

Rates

Year 1 3-month SIBOR + 0.80%
Year 2 3-month SIBOR + 0.80%
Year 3 3-month SIBOR + 0.80%
Year 4 and thereafter 3-month SIBOR + 1.25%

3-month SIBOR refers to the 3-month Singapore Interbank Offered Rate based on the 11a.m. fixing by ABS on the first business day of the month. Click here to view the latest SIBOR rates, under the Rates & Fees tab.



Fixed Rate Package

3 Year Lock-in

Year 1 1.88%
Year 2 1.88%
Year 3 1.88%
Year 4 FHR18 + 1.20%
Year 5 FHR18 + 1.20%
Year 6 and thereafter FHR18 + 1.20%

Fixed Deposit Home Rate (FHR18) refers to the prevailing 18 months Singapore dollar fixed deposit interest rate of DBS Bank for amounts within $1,000 to $9,999 or such other sum as we may specify. The current FHR18 is 0.600% per annum.


How to Apply