Refinancing Your HDB Loan

Refinance HDB Home Loan

It's one of the simplest ways to enjoy savings on your HDB loan.

Refinance HDB Home Loan

 

At a Glance

Earn up to 4.1% p.a. on your Multiplier Account

With any quantum of POSB Home Loan.
The first 3 joint borrowers will earn higher interest on Multiplier when you do CPF and/or cash repayments for as long as you have a POSB Home Loan. Find out more

 

Apply now

 

Overview of Bank loan vs HDB loan

  POSB HDB Loan HDB Concessionary Loan
Maximum Loan Amount
(For OTP dated 30 Sep 2022 and after)		 Up to 75%
of purchase price or market value, whichever is lower		 Up to 80%
of purchase price or market value, whichever is lower
Downpayment 25%
of purchase price or market value, whichever is lower		 20%
of purchase price or market value, whichever is lower
CPF & Cash Upfront 20% CPF + minimum 5% cash payment 20% CPF + no minimum cash payment

POSB HomeSaver

Get up to S$700 bonus when you take up a new home loan with us!

Click here to learn more!

Two-In-One Home Loan

Enjoy the flexibility to customise the loan to match your needs. Enjoy the best of both worlds by having part of your loan amount under a fixed rate package for a peace of mind, and also benefit from the interest rate of a floating rate package for the remaining loan amount.

Click here to learn more!
 

Cash Rewards

Refinance with us and receive cash rewards of $2,000 with a minimum loan amount of S$250,000.

HDB

Loan amount

Cash Rewards

≥ S$250,000

$2,000
 

Interest Rates

Check out our attractive fixed and floating rates and apply for a POSB Home Loan online, anytime, anywhere today!

 

5 Simple Steps to More Savings

 

Some Handy Tips and Tools

Home Loan Repayment Calculator

Find out your detailed monthly repayment schedule and calculate your savings when you refinance your HDB Loan with DBS

Calculate

Home Loan Savings Calculator

Find out your detailed monthly repayment schedule and potential home loan savings here

Calculate

 

Apply now

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:
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DBS Property Marketplace

Buy, sell or rent your home, or plan for your home purchase.

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