Online Exclusive

Apply for a POSB Home Loan online, anytime, anywhere. Plus receive S$500 worth of CapitaVouchers when you do so.

We offer attractive fixed and floating rates for our home loan packages. Home owners who want to have more flexibility in managing their home loan can opt for our 2+1 year fixed rate package. With this package, you can now decide if you would like to remain on a fixed rate or switch over to a floating rate for Year 3 of your home loan.

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If you are applying for a new home loan (not refinancing), do remember to declare the S$500 CapitaVouchers as benefits received, in “My Property Details” section

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2+1 Year Fixed Rate Package

For Year 3 of your home loan, you have the option of switching to a floating rate package at FHR8 + 1.75% p.a.

Year 1:Year 2:Year 3:
1.85% p.a. Fixed 1.85% p.a. Fixed 1.95% p.a. Fixed / FHR8 + 1.75% p.a.
Thereafter:Year 5:Thereafter:
FHR8 + 1.75% p.a.

Floating Rate Package With 2-Year Lock-in

Year 1:Year 2:Year 3:
FHR8+1.45% FHR8+1.45% FHR8+1.45%
Thereafter:
FHR8+1.45%

*The current FHR8 is 0.20% p.a. All rates are quoted on a per annum basis.


If you are refinancing your loan to POSB, you get to enjoy cash rebate of up to S$3,000.

Total home loan amount per propertyCash rebate amount
S$500,000 to S$1 million S$2,000
Above S$1 million to S$3 million S$2,500
Above S$3 million S$3,000

If you are applying for a new home loan (not refinancing), do remember to declare the S$500 CapitaVouchers as benefits received, in “My Property Details” section

For fees and charges, please click here.

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Terms and Conditions

  • Valid for online applications with a minimum loan amount of S$500,000.
  • Valid for completed residential properties in Singapore, for new purchase or refinancing from another bank. Apply online by 31 May 2018 or while stocks last.
  • Upon acceptance of the home loan, the redemption letter for the CapitaVouchers will be sent within 3-5 working days to your mailing address as per bank records.
  • Valid with sign up of ManuProtect Decreasing policy or ManuProtect Term policy or ManuProtect Money Back or Heirloom(V) policy from Manulife (Singapore) Pte Ltd.
  • Fees will apply in the event of prepayment or redemption during the commitment period.
  • The CapitaVouchers is non-exchangeable, non-transferable and non replaceable.
  • This promotion is valid for direct application to DBS Bank and not through a referral.
  • FHR8 refers to DBS Bank's prevailing 8 months Singapore Dollar fixed deposit rate for amounts between S$1,000 and S$9,999 or such other sum as we may specify.
  • DBS may change these terms or suspend or terminate the promotion without giving any notice.
  • You consent to our collection, use and disclosure of your personal data by/to third parties for the purpose of the promotion. You agree to be bound by the terms of the DBS Privacy Policy, a copy of which can be found on www.dbs.com/privacy.

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