Why take a POSB Home Loan?

Lower than HDB

concessionary loan rates

Earn up to

3.00% p.a. on your savings with Multiplier account
No minimum salary, no minimum credit card spend. Multiply your money today!

 

Apply now

Gift yourself a dream home!

Here’s more reason to rejoice this festive season. Whether you are buying a new home or refinancing your existing loan from another financial institution, take up a Home Loan this holiday and we’ll gift you a free BRUNO Compact Hotplate (worth S$199).

Click here to learn more!

 

A Quick Comparison

  POSB HDB Loan HDB Concessionary Loan
Interest Rates 1.00% p.a. to 1.95% p.a. 2.6% p.a.
Prevailing CPF rate of 2.5% + 0.1% p.a.
Maximum Loan Amount
(For OTP dated 16 Dec 2021 and after)
Up to 75%
of purchase price or market value, whichever is lower
Up to 85%
of purchase price or market value, whichever is lower
Downpayment 25%
of purchase price or market value, whichever is lower
15%
of purchase price or market value, whichever is lower
CPF & Cash Upfront 20% CPF + minimum 5% cash payment 15% CPF + no minimum cash payment

Fixed Deposits Home Rate 6 (FHR6) refers to the prevailing 6 months Singapore Dollar fixed deposit interest rate of POSB Bank for amounts within S$1,000 to S$9,999 or such other sum as we may specify. FHR6 is 0.200% p.a. currently.

Click here to find out how you can achieve greater savings on your HDB loan with DBS HDB Loan.

 

Interest Rates

Apply for a POSB Home Loan online, anytime, anywhere. Enjoy attractive fixed and floating rates today!

 

5 Simple Steps to your Dream Home

 

Download our detailed step-by-step guide to getting your dream home.

Download PDF Completed Property
Download PDF Building under construction
 

Some Handy Tips and Tools

MyHome Planner

Get detailed reports on your affordability and timeline of your cashflow for key home buying milestones.

Calculate

Home Loan Repayment Calculator

Figure out your monthly instalment.

Calculate

Home Loan Savings Calculator

Lower your monthly instalment to save more

Calculate

 

How to apply

This will take about 10 minutes. Click here for a list of documents you will need. If you do not have all the documents, you could always upload them later.

This will take about 10 minutes. Click here for a list of documents you will need. If you do not have all the documents, you could always upload them later.



If you have an existing DBS/POSB account, you will need the last 4 digits of your ATM/Debit Card and PIN before you begin.


If you wish to review your existing home loan with us, please click here.


You are
 
Temporary Occupation Permit (TOP) Date refers to the time when construction is completed and a property is ready to be occupied.

Information on TOP date is available on HDB website.
Your property type is
The purchase will be made:
Your current loan is:
You are looking to:


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