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

This package is valid with a minimum loan amount of S$100,000 with 2 years lock-in period.

For new purchase / Refinance of property

2 Year Lock-in

Year 1 to Year 2 FHR24 + 0.60% p.a.
Year 3 and thereafter FHR24 + 0.90% p.a.

This package 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.
  • Waiver of commitment fee due to sale of property- giving you the flexibility to sell your property without the worry of penalty fees.

No Lock-in

This package is valid with a minimum loan amount of S$100,000 with no lock-in period.

For new purchase / Refinance of property

No Lock In

Year 1 to Year 3 FHR24 + 0.90% p.a.
Year 4 and thereafter FHR24 + 0.90% p.a.

Fixed Deposits Home Rate 24 (FHR24) refers to the prevailing 24 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. The current FHR24 is 0.900% p.a.

 

Fixed Rate Packages

2-Year Fixed Rate

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

For new purchase / Refinanace ot property

2-Year Fixed

Year 1 to Year 2 1.30% p.a.
Year 3 and thereafter FHR24 + 0.90% p.a.
This package comes with the following feature:
  • 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

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

For new purchase / Refinanace ot property

3-Year Fixed

Year 1 to Year 3 1.30% p.a.
Year 4 and thereafter FHR24 + 0.90% p.a.
This package comes with the following feature:
  • 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

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

For new purchase / Refinance of property

5-Year Fixed

Year 1 to Year 5 1.50% p.a.
Year 6 and thereafter FHR24 + 0.90% p.a.
This package 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 penalty fees.
  • Waiver of prepayment fee(s) – giving you the flexibility to prepay your loan without the worry of penalty fees.


5-Year Fixed Rate (HDB Exclusive)

This package is valid with a minimum loan amount of S$100,000. Only applicable for HDB properties.

For new purchase / Refinanace ot property

5-Year Fixed

Year 1 to Year 5 1.40% p.a.
Year 6 and thereafter FHR24 + 0.90% p.a.
This package comes with the following feature:
  • 1 free conversion after 60 months from the date of 1st disbursement- giving you the option to reprice your home loan at no cost.

Super Cash Reward Package (HDB Exclusive)

This package is valid with a minimum loan amount of S$200,000. Only applicable for HDB properties.

For new purchase / Refinance of property

5-Year Fixed

Year 1 2.60% p.a.
Year 2 to Year 5 1.80% p.a.
Year 6 and thereafter FHR24 + 1.10% p.a.
This package 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.
  • Waiver of commitment fee due to sale of property- giving you the flexibility to sell your property without the worry of penalty fees.
  • Waiver of prepayment fee(s) – giving you the flexibility to prepay your loan without the worry of penalty fees.
  • Refinancing customers could receive a special cash reward of up to S$10,000 (see below for tiering).
Loan Amount

Cash Rewards

S$200,000 to < $400,000 S$5,000
S$400,000 to < $600,000 S$8,000
≥ $600,000 S$10,000

Fixed Deposits Home Rate 24 (FHR24) refers to the prevailing 24 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. The current FHR24 is 0.900% p.a.

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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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