POSB HDB Loan

At a Glance

Maximise your savings with POSB

Enjoy lower rates than HDB concessionary loan.

Enjoy greater flexibility

Balance home ownership with flexibility to partially pay down your loan early with zero penalty fees.

Exclusive perks just for you

Enjoy exclusive savings on renovation loans, home insurance and our DBS Multiplier Account.

Important Downtime Announcement: Online Home Loan ApplicationsCredit Bureau Service will be unavailable from 31 Mar 2026, 9pm to 1 Apr 2026, 7am. If you submit an online application during this time, your credit bureau data will not be retrieved. We'll contact you after you apply, or you can submit your application later.

Features and benefitsBetter rates than HDB, and with the same great features

Enjoy better rates at 1.60% p.a. - significantly lower than HDB Concessionary Loan at 2.60% p.a.

Imagine saving S$3,000¹on your mortgage!

Have peace of mind with no penalty if you sell your property

Gain financial freedom with no partial repayment fees

Refinancing in from HDB or another bank? Don’t worry, we have cash rebates that will cover all your legal and valuation fees.¹ Interest savings calculated based on simple interest calculation for a S$300,000 loan.

Promotions

Save with 1.60% p.a. POSB HDB Loan

Apply nowFor New Loans or Refinancing from another bank

Submit here to apply for our HDB 3-Years Fixed Package.

Apply now

Important Downtime Announcement: Online Home Loan Applications

Credit Bureau Service will be unavailable from 31 Mar 2026, 9pm to 1 Apr 2026, 7am. If you submit an online application during this time, your credit bureau data will not be retrieved. We'll contact you after you apply, or you can submit your application later.

Need some assistance?

Leave us your contact details and we will be in touch with you.

Let us help

Alternatively, call 6333 0033 to speak to our friendly Home Advice Specialist, available Monday to Friday, 9am to 6pm (excluding public holidays).

Get more Benefits

Perks for our Home Loan Customers
	POSB Renovation Loan Maximise your savings with an exclusive rate of 3.38% p.a. (EIR 4.49% p.a.) on your renovation loan. That’s 1.7% p.a. lower than our regular rate of 5.08% p.a. (EIR 6.16% p.a.)!
	Protect your property Get up to S$350,000 coverage for your renovations, home and contents in the event of an accident such as fire. Get a quote
	Multiplier Account Supercharge your savings today! Finance your home loan with us and unlock higher bonus interest with our Multiplier account.
	Exclusive deals for DBS customers Give your home a makeover without breaking the bank! Dive into irresistible deals and exclusive promotions at Home Marketplace.

Other ServicesMyHome Planner
Kickstart your home ownership journey with our MyHome Planner and see how much you’ll pay on mortgage monthly.HDB Eligibility & Grants
Explore your eligibility criteria and available grants here.Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.