Home Loan Rates in Singapore
Compare the latest home loan rates from all major Singapore banks. Find the best mortgage rates for property purchase and refinancing.
Best rate today:3.85%p.a.
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Home Loan Rates
7 products found
Updated daily • Last update: 20/10/2025
DBS Fixed Rate Home Loan (2 Years)
fixed Rate•purchase•fixed
3.88%
p.a.
24M lock-in
Max LTV
75%
Min Income
$4,000
Max Loan
$20,000,000
Legal Fee
$2,500
Rate by Tenure
| Tenure | Rate | Lock-in |
|---|---|---|
| 25 years | 3.88% | 24M |
| 30 years | 3.88% | 24M |
| 35 years | 3.88% | 24M |
Eligibility
Age: 21-65 years
Citizenship: citizen, pr
Employment: employed, self_employed
Last updated: 28 Sept 2024
DBS SORA Floating Rate Home Loan
floating Rate•purchase•sora
4.25%
p.a.
0Max LTV
75%
Min Income
$4,000
Max Loan
$20,000,000
Legal Fee
$2,500
Rate by Tenure
| Tenure | Rate | Lock-in |
|---|---|---|
| 25 years | 4.25% | None |
| 30 years | 4.25% | None |
| 35 years | 4.25% | None |
Eligibility
Age: 21-65 years
Citizenship: citizen, pr
Employment: employed, self_employed
Last updated: 28 Sept 2024
OCBC Fixed Rate Home Loan (3 Years)
fixed Rate•purchase•fixed
3.85%
p.a.
36M lock-in
Max LTV
80%
Min Income
$3,500
Max Loan
$15,000,000
Legal Fee
$2,800
Rate by Tenure
| Tenure | Rate | Lock-in |
|---|---|---|
| 25 years | 3.85% | 36M |
| 30 years | 3.85% | 36M |
| 35 years | 3.85% | 36M |
Eligibility
Age: 21-70 years
Citizenship: citizen, pr
Employment: employed, self_employed
Last updated: 28 Sept 2024
UOB SORA Floating Rate Home Loan
floating Rate•purchase•sora
4.15%
p.a.
0Max LTV
75%
Min Income
$4,500
Max Loan
$18,000,000
Legal Fee
$2,200
Rate by Tenure
| Tenure | Rate | Lock-in |
|---|---|---|
| 25 years | 4.15% | None |
| 30 years | 4.15% | None |
| 35 years | 4.15% | None |
Eligibility
Age: 21-65 years
Citizenship: citizen, pr
Employment: employed
Last updated: 28 Sept 2024
HSBC Home Loan (Fixed Rate)
Rate•
3.9%
p.a.
Max LTV
%
Min Income
$NaN
Max Loan
$2,000,000
Legal Fee
$2,500
Rate by Tenure
| Tenure | Rate | Lock-in |
|---|---|---|
| 30 years | 3.9% | None |
| 30 years | 4.15% | None |
Eligibility
Age: 21- years
Citizenship: citizen, pr, foreigner
Employment: employed, self-employed
Last updated: 28 Sept 2024
Standard Chartered Home Loan (Floating Rate)
Rate•
4.05%
p.a.
Max LTV
%
Min Income
$NaN
Max Loan
$1,800,000
Legal Fee
$2,200
Rate by Tenure
| Tenure | Rate | Lock-in |
|---|---|---|
| 30 years | 4.05% | None |
| 35 years | 4.25% | None |
Eligibility
Age: 21- years
Citizenship: citizen, pr, foreigner
Employment: employed, self-employed
Last updated: 28 Sept 2024
Maybank Home Loan (Hybrid)
Rate•
3.95%
p.a.
Max LTV
%
Min Income
$NaN
Max Loan
$1,500,000
Legal Fee
$2,000
Rate by Tenure
| Tenure | Rate | Lock-in |
|---|---|---|
| 30 years | 3.95% | None |
| 35 years | 4.1% | None |
Eligibility
Age: 21- years
Citizenship: citizen, pr
Employment: employed, self-employed
Last updated: 28 Sept 2024
About Home Loans in Singapore
Home loans in Singapore are available for both property purchase and refinancing. Interest rates vary by bank, package type (fixed vs floating), and loan tenure.
Key Features:
- • Fixed and floating rate options
- • Up to 80% Loan-to-Value (LTV)
- • Tenure up to 35 years
- • SORA-based and bank rate packages
Considerations:
- • Lock-in periods may apply
- • Legal and valuation fees required
- • Income and age requirements
- • Early redemption penalties possible