From taking up a new loan to refinancing, POSB offers a wide range of fixed and floating home loan interest rates to suit different needs.

Floating Rate Packages

2-Year Lock-in (with protection against interest rate hike)

For new purchase / Refinance of property

2-Year Lock-in

Year 1 to Year 2 FHR6 + 1.05% p.a. (Capped at 1.50% p.a)
Year 3 and thereafter FHR6 + 1.60% p.a.

This package is valid with a minimum loan amount of S$500,000 and comes with the following feature(s):
  • Interest rate cap at 1.50% in the 1st two years – Protecting you from future interest rate increase giving you greater peace of mind.
  • Waiver of commitment fee due to sale of property- giving you the flexibility to sell your property without the worry of commitment fees.

2-Year Lock-in

For new purchase / Refinance of property

2-Year Lock-in

Year 1 to Year 2 FHR6 + 0.95% p.a. (Capped at 1.40% p.a)
Year 3 and thereafter FHR6 + 1.60% p.a.

This package is valid with a minimum loan amount of S$1,000,000 and comes with the following feature(s):
  • Interest rate cap at 1.40% in the 1st two years – Protecting you from future interest rate increase giving you greater peace of mind.
  • Waiver of commitment fee due to sale of property- giving you the flexibility to sell your property without the worry of commitment fees.

5-Year Lock-in (with protection against interest rate hike)

For new purchase / Refinance of property

5-Year Lock-in

Year 1 FHR6 + 0.80% p.a. (capped at 2.30% p.a.)
Year 2 FHR6 + 1.00% p.a. (capped at 2.30% p.a.)
Year 6 and thereafter FHR6 + 1.40% p.a.

This package is valid with a minimum loan amount of S$100,000 and comes with the following feature(s):
  • Interest rate cap at 2.30% in the 1st five years- Protecting you from future rate increase for a greater peace of mind.
  • Waiver of commitment fee due to sale of property- giving you the flexibility to sell your property without the worry of commitment fees.
  • Waiver of prepayment fee(s)- giving you the flexibility to partial prepay your loan without the worry of prepayment fees

No Lock-in

For new purchase / Refinance of property

No Lock In

Year 1 to Year 3 FHR6 + 1.60% p.a.
Year 4 and thereafter FHR6 + 1.60% p.a.

This package is valid with a minimum loan amount of S$100,000.

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.

2-Year Lock-in

For new purchase / Refinance of property

2-Year Lock-in

Year 1 3M SORA + 0.80% p.a.
Year 2 3M SORA + 0.98% p.a.
Year 3 and thereafter 3M SORA + 1.60% p.a.

This package is valid with a minimum loan amount of S$700,000 and comes with the following feature(s):

  • 1 FREE conversion after 12 months from the date of 1st disbursement- giving you the option to reprice your home loan at no cost.

3M SORA (3-Month Compounded Singapore Overnight Rate Average) refers to the SORA volume-weighted average rate compounded for 3 months period administered by the Monetary Authority of Singapore, published by the Monetary Authority of Singapore on or about 9:00 a.m, Singapore time, on the first business day of the relevant month or on such other date as we may determine.

 

Fixed Rate Packages

2-Year Fixed Rate

For new purchase / Refinanace of property

2-Year Lock-in

Year 1 to Year 2 1.30% p.a.
Year 3 and thereafter FHR6 + 1.60% p.a.
This package is valid with a minimum loan amount of S$100,000 and comes with the following feature(s):
  • 1 FREE conversion after 24 months from the date of 1st disbursement- giving you the option to reprice your home loan at no cost.

3-Year Fixed Rate

For new purchase / Refinanace of property

3-Year Lock-in

Year 1 to Year 3 1.40% p.a.
Year 3 and thereafter FHR6 + 1.60% p.a.
This package is valid with a minimum loan amount of $100,000 and comes with the following feature(s):
  • 1 FREE conversion after 36 months from the date of 1st disbursement- giving you the option to reprice your home loan at no cost.

5-Year Fixed-Flexi Rate

For new purchase / Refinance of property

5-Year Lock-in

Year 1 to Year 5 1.68% p.a.
Year 6 and thereafter FHR6 + 1.60% p.a.
This package is valid with a minimum loan amount of S$100,000 and comes with the following feature(s):
  • 1 FREE conversion after 30 months from the date of 1st disbursement- giving you the option to reprice your home loan at no cost.
  • Waiver of commitment fee due to sale of property- giving you the flexibility to sell your property without the worry of commitment fees.
  • Waiver of prepayment fee(s)- giving you the flexibility to partial prepay your loan without the worry of prepayment fees

5-Year Fixed Rate (HDB Exclusive)

For new purchase / Refinanace of property

5-Year Lock-in

Year 1 to Year 5 1.40% p.a.
Year 6 and thereafter FHR6 + 1.60% p.a.
This package is only applicable for HDB with a minimum loan amount of S$200,000 and comes with the following feature(s):
  • 1 FREE conversion after 60 months from the date of 1st disbursement- giving you the option to reprice your home loan at no cost.

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.

 

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.

For fees and charges, please click here.

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