Home Loan Rates
Planning to take up a new home loan or to refinance your existing home loan? Look no further as we offer a wide range of attractive fixed and floating home loan interest rate packages that are catered to your needs.
Fixed Rate Package
Enjoy greater stability and secure yourself with our attractive fixed rate packages below.
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2-Year Fixed 3.75% p.a. |
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|---|---|
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Year 1 to Year 2 |
3.75% p.a. |
|
Year 3 and thereafter |
3M SORA + 1.00% p.a. |
|
Minimum loan amount |
S$100,000 |
|
Commitment period |
2 Years |
|
Special feature |
Waiver of commitment fee due to sale of property |
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3-Year Fixed 3.75% p.a. |
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|---|---|
|
Year 1 to Year 3 |
3.75% p.a. |
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Year 4 and thereafter |
3M SORA + 1.00% p.a. |
|
Minimum loan amount |
S$100,000 |
|
Commitment period |
3 Years |
|
Special feature |
Waiver of commitment fee due to sale of property |
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4-Year Fixed 3.75% p.a. |
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|---|---|
|
Year 1 to Year 4 |
3.75% p.a. |
|
Year 5 and thereafter |
3M SORA + 1.00% p.a. |
|
Minimum loan amount |
S$100,000 |
|
Commitment period |
4 Years |
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5-Year Fixed 3.75% p.a. |
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|---|---|
|
Year 1 to Year 5 |
3.75% p.a. |
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Year 6 and thereafter |
3M SORA + 1.00% p.a. |
|
Minimum loan amount |
S$100,000 |
|
Commitment period |
5 Years |
|
Special feature |
Enjoy greater flexibility with waiver of commitment fee due to sale of property after 36 months and free conversion to any prevailing package after 36 months. |
3M SORA refers to the 3-Month Compounded Singapore Overnight Rate Average (SORA) that is published on MAS website. As at 3 May 2023, it is 3.607% p.a. Find out more on 3M SORA.
Floating Rate Packages
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3-Year Lock-in CHR + 0.10% p.a. |
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|---|---|
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Year 1 to Year 3 |
CHR + 0.10% p.a. |
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Year 4 and thereafter |
CHR + 0.10% p.a. |
|
Commitment Period |
3 Years |
|
Minimum loan amount |
S$100,000 |
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Eligible criteria |
|
CPF Home Rate (CHR) is based on the prevailing interest rate payable on CPF Ordinary Account (OA). It is currently 2.50% p.a.
*Refers to Admissible income – Gross monthly income (Basic salary and extra wages such as overtime pay and bonuses)
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2-Year Lock-in 3M SORA + 1.00% p.a. |
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|---|---|
|
Year 1 to Year 2 |
3M SORA + 1.00% p.a. |
|
Year 3 and thereafter |
3M SORA + 1.00% p.a. |
|
Commitment period |
2 Years |
|
Minimum loan amount |
S$100,000 |
3M SORA refers to the 3-Month Compounded Singapore Overnight Rate Average (SORA) that is published on MAS website. As at 3 May 2023, it is 3.607% p.a. Find out more on 3M SORA.
Bridging loan
Bridging loan
| For purchase of all residential properties Prime Rate Floating Rate Package |
No Lock-in |
|---|---|
| Up to 6 months | 4.25% p.a. |
No lock-in period. This is based on the POSB Prime Rate which is currently at 4.25% per annum.
Two-In-One Home Loan
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 of a floating rate package for the remaining loan amount.
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Prevailing |
Exclusive 3M SORA |
|
|---|---|---|
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Option A |
30% of loan amount |
70% of loan amount |
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Option B |
40% of loan amount |
60% of loan amount |
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Option C |
50% of loan amount |
50% of loan amount |
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New Options to Choose From |
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Option D |
60% of loan amount |
40% of loan amount |
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Option E |
70% of loan amount |
30% of loan amount |
For the portion of loan under fixed rates, choose either a 2, 3, 4 or 5-Year Fixed Rate Package. The portion of loan under floating rates will be as such:
| 2-Year Lock-in 3M SORA + 0.75% p.a. | |
|---|---|
|
Year 1 to Year 2 |
3M SORA + 0.75% p.a. |
|
Year 3 and thereafter |
3M SORA + 0.75% p.a. |
|
Commitment period |
2 Years |
|
Minimum loan amount |
S$100,000 |
3M SORA refers to the 3-Month Compounded Singapore Overnight Rate Average (SORA) that is published on MAS website. As at 3 May 2023, it is 3.607% p.a. Find out more on 3M SORA.
The blended interest rate may change as the portion of loan under the floating rate package is subject to interest rate fluctuations.