Why refinance with DBS?

Lower interest rate than HDB

Concessionary loan rates

Earn additional savings

Earn up to 3.00% p.a on your savings with the DBS Multiplier
No minimum salary, no minimum credit card spend. Multiply your money today!

Apply now


All-in 1% p.a. package with 3-Year Lock-in and Cap Feature

Check out our newly launched floating package and get to enjoy home loan rates from 1.00% p.a. in the first year, capped at 1.60% for the first three years.

Click here to learn more!

 

A Quick Comparison

  POSB HDB Loan HDB Concessionary Loan
Interest Rates 1.0% p.a. to 1.40% p.a. 2.6% p.a.
Prevailing CPF rate of 2.5% + 0.1% p.a.
Maximum Loan Amount
(For OTP dated 6 July 2018 and after)
Up to 75%
of purchase price or market value, whichever is lower
Up to 90%
of purchase price or market value, whichever is lower
Downpayment 25%
of purchase price or market value, whichever is lower
10%
of purchase price or market value, whichever is lower
CPF & Cash Upfront 20% CPF + minimum 5% cash payment 10% 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.

 

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

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

 

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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