We know how heavy decisions feel when money and home meet. You may be weighing stability against the pull of a lower rate. We sit beside you with clear facts and calm guidance.
At Property Equity Loan, we round up competitive bank packages so you can compare rates and pick what fits your life. HDB options sit at a CPF OA peg of 2.50% plus a 0.10% spread (2.60% total), and fixed terms in Singapore usually last two to five years before reverting to a floating peg.
Our aim is simple: explain how fixed and floating structures differ, what drives your approved amount, and how fees show up in a letter of offer. We also flag when a bank option can beat HDB’s 2.60% and when stability matters more.
For quick action, we outline which application steps you can do online and the information you’ll need to prepare. Whatsapp us at to get the latest deals curated by Property Equity Loan and secure your chosen package fast.
Key Takeaways
- HDB base sits at 2.60% (CPF OA + 0.10%) with short fixed terms before floating.
- Compare bank packages by peg, spread, and typical fees in the offer letter.
- Your approved amount depends on income, assets, and account buffers.
- Sometimes a slightly higher rate gives better cash-flow protection and value.
- Complete many application steps online; prepare documents ahead to speed approval.
- Whatsapp us to see curated packages and current deals from Property Equity Loan.
Why property loan interest matters now in Singapore
Rate moves right now will shape what you can afford and how you plan for years. Daily SORA and its 1‑month and 3‑month compounded series are now the market yardstick, published by MAS at 9 a.m. on each business day.
Why this matters: shifts in benchmarks affect monthly repayment, long‑term savings, and your cash flow. When rates move, the impact is larger for big balances and longer periods.
Banks now price with SORA for greater transparency. That means resets follow market transactions rather than one-sided setting. We explain the details that drive the rate you see on reset day so you are not surprised by changes on statement day.
We walk through what banks check in an assessment — income, assets, and buffers — and why timing during a review period changes outcomes. If you need liquidity for business or family, the right package can protect savings without straining cash.
“Smart banking choices today protect future opportunities — whether for a second home, renovations, or business expansion.”
Questions on your application? Whatsapp us at and we’ll simplify your decision in minutes.
Today’s loan landscape at a glance: SORA, fixed rate, and board/FHR pegs
Different rate anchors behave very differently; knowing how they reset lets you plan with confidence.
How 3-month compounded SORA is published and reset by MAS
SORA is market-driven. MAS publishes the daily SORA and the 1‑month and 3‑month compounded SORA at 9 a.m. on each business day.
The 3-month compounded SORA resets on a set review date. When it resets, your monthly amount is recalculated for the next quarter. Banks commonly price a package as compounded SORA plus a spread.
What “fixed rate” really means in Singapore’s short fixed terms
A fixed rate gives predictable bills for a short period — typically two to five years — then reverts to a floating peg plus spread.
This is protection for the fixed period, not a life-long guarantee. Check the offer to see the spread and the next review cadence.
BOARD and FHR pegs: transparency, stability, and bank control
BOARD and FHR pegs are set by the bank and can be less transparent than website-published SORA. That can mean more or less predictability depending on the bank’s policy.
- Compare how each package handles volatility and review timing.
- For valuation-heavy or larger balances, reset mechanics matter for budgeting.
- We can match your financing to your risk comfort and guide the application and offer review.
“Clear peg terms reduce surprises at reset and help protect your cash flow.”
Need a side-by-side comparison? Whatsapp Property Equity Loan and we’ll show current loan packages that fit your goals.
Residential roundup: HDB vs bank loans for HDB flats
Choosing between an HDB-backed option and a bank package comes down to flexibility and cost over time. We compare eligibility, timing, and the numbers you need to decide.
HDB loan characteristics
HDB financing is priced at CPF OA 2.50% plus a 0.10% spread (2.60%).
The rate has acted like a steady anchor for years and there is no lock-in. That means you can redeem anytime without a penalty.
To apply you need an HLE letter, be a Singapore citizen, meet the household income cap (≤ S$14,000), and not own private residential property.
When a bank package can beat HDB
Promotional spreads and market moves can make a bank option cheaper over your chosen period. But eligibility, documents, and valuation all affect the final offer.
- Compare effective rates and total costs over the same period, not just headline numbers.
- Check how loan amount and valuation caps may create shortfalls that need extra cash.
- Understand lock-in, prepayment terms, and how refinancing windows change your planning.
“If you want predictability, HDB is straightforward; if you seek potential savings, banks may reduce total cost.”
Need help pricing your scenario? Whatsapp us at to get a side-by-side comparison and tailored deals from Property Equity Loan.
Private home loan packages: fixed vs 3M compounded SORA
Choosing between a fixed term and a 3‑month compounded SORA link shapes your monthly cash flow and flexibility.
Fixed rate packages give steady instalments during the lock‑in period. That predictability helps when you plan renovations, leasing, or a staged repayment. Many fixed rate offers protect you for two to five years before switching to a floating peg.
3‑month compounded SORA and how resets work
Compounded SORA options adjust quarterly. OCBC notes the 3-month compounded SORA is fixed on the Rate Review Date and applies for the next three months.
MAS publishes the index by 9 a.m. on the next business day, so the published figure after each business day review sets the coming quarter’s figure.
Free switching and early prepayment features
Select banks let you switch pricing packages without legal costs after the first year. That free switch is useful if rates move and you want a different approach.
Some offers allow partial prepayment—OCBC permits up to 50% prepayment in the first 2 years for new accounts—helping reduce principal faster.
- Fixed rate: steady bills during the lock‑in.
- 3‑month compounded SORA: quarterly adjustments tied to the published index.
- Free switch: move packages after year one on select bank offers.
“We shortlist fixed and SORA options and flag free‑switch features so you can pivot when markets change.”
Whatsapp us and we’ll send a tailored shortlist of loan packages within hours.
Commercial and industrial property loans roundup
For owners and SMEs, the structure of your purchase can change available offers and net value.
Most banks lend to private limited companies, including new IHCs assessed on directors’ income.
Buying under an IHC often gives broader lender options, slightly better rates, and a possible GST pre-registration refund within six months of incorporation.
Financing under company vs personal name
- Companies can unlock more offers and flexible terms; personal purchase keeps simpler tax and personal control.
- Higher requested amounts depend on business financials and directors’ profiles—prepare accounts and bank records.
- Factor in valuation and standard fees, and check how lock-ins apply before you commit.
DBS business packages and practical perks
DBS now offers fixed and SORA‑pegged business packages with up to 25‑year tenure. Current promotions include 60% off processing fees and legal and valuation subsidies.
“We work with owners and SMEs to structure commercial financing smartly.”
Whatsapp us to benchmark banks and secure the most suitable commercial deal. We coordinate valuation scheduling and lender communications to save you time and protect your position.
Property Equity Loan picks: who each loan package suits best
Choosing the right package starts with a clear view of your cash flow and timeline.
We tailor recommendations to your goals. If you want steady bills, a fixed package locks instalments for 2–5 years before reverting to a floating peg. That makes budgeting simple when rates are uncertain.
If your assessment shows room to ride market moves, a SORA peg can lower total rates over time. BOARD/FHR remain valid alternatives for clients who prefer bank-managed pegs.
- Owners seeking certainty: fixed package for predictable payments.
- Those expecting normalizing markets: SORA for potential savings.
- Investors with cash buffers: flexibility to prepay and cut the amount outstanding.
- High-value needs: we compare spreads and fees across banks to maximise value.
| Profile | Best package | Why it fits |
|---|---|---|
| Budget-focused | Fixed | Predictable instalments for 2–5 years |
| Rate-aware | SORA | Lower effective rates if markets normalise |
| High-net clients | Flexible/Switch | Prepay and optimise loan amount and fees |
We show precisely how each pick aligns with your income, cash buffers, and family plans. For quick clarity, Whatsapp us at and get 2–3 curated offers with numbers that matter.
“We stay with you after drawdown to reassess when the market shifts.”
Lock-in period, early repayment, and refinancing considerations
Before you refinance, understand the commitment period and the real cost of exiting early.
Most bank packages carry a two-year lock-in period. During that period, full redemption often triggers a 1.5% early repayment fee on the outstanding amount. Some fixed terms also apply 1.5% to partial prepayments.
Typical two-year commitment and 1.5% scenarios
Plan any sale or refinancing around the two-year window to avoid avoidable fees. Read your contract to see how the fee is calculated and which actions count as repayment.
Refinancing timing: within lock-in vs after lock-in
Refinancing within lock-in can be costly. After the period, switch costs fall and you gain flexibility to chase better rates.
- We model whether savings from a new rate offset exit fees.
- If partial prepayment is allowed, we help time amounts to lower your outstanding balance without penalty.
- If you must refinance within the period, we negotiate to reduce out‑of‑pocket costs.
| Scenario | Typical fee | When to act |
|---|---|---|
| Full redemption within lock-in | 1.5% of outstanding | Avoid unless sale forces it |
| Partial prepayment (fixed) | Often 1.5% | Time to allowed windows |
| Refinance after lock-in | Usually no exit fee | Review rates and switch |
We protect you from unnecessary penalties. Whatsapp us at to assess your terms and the best next action today.
How interest rates are set and reset: rate review date mechanics
Rate review dates are the calendar beats that determine what you pay next quarter.
MAS publishes the 1‑month and 3‑month compounded SORA by 9 a.m. on each business day. On your package’s review date the bank takes that published figure and adds your agreed spread. That combined number fixes the rate for the coming three‑month period.
If the review date falls on a weekend or public holiday, the bank uses the last published business day figure. This keeps resets predictable and avoids gaps when markets are closed.
What changes for you: the reset updates the periodic payment for the next quarter. Over years, these small moves add up, so timing and package mechanics matter.
- Your package defines the review date and how the compounded sora is applied.
- Banks may use BOARD or FHR instead — those pegs reset differently and can pass through change at a different speed.
- Lock-in period rules still govern switching, even when rates shift.
“We monitor each review date and notify you in advance so you can decide whether to switch or hold.”
For a personalised reset briefing tied to your exact package, Whatsapp us at and we’ll walk you through the implications and options.
Eligibility and assessment: TDSR, LTV, and income vs assets
Eligibility and underwriting shape what you can reasonably borrow and how confidently you proceed. We run clear checks so you know your position before you sign anything.
TDSR is the first gatekeeper. For purchases the TDSR cap is 55%. That ratio limits monthly debt payments against your gross income.
TDSR thresholds and refinancing flexibility
Refinancing your own-stay is assessed more flexibly — banks often accept higher thresholds, commonly 80–100% in practice. This can raise the amount you may secure when you refinance.
Using eligible assets to boost approval
You can strengthen your case by showing financial assets. Banks typically credit 30% of declared cash, bonds, or shares divided by 48 months as monthly income. That boosts servicing limits without changing your base salary.
- Max LTV for a first residential purchase is usually 75% of valuation.
- We calculate your maximum LTV and TDSR so you know how much you can get before paying option fees.
- Prepare NOA, payslips, and statements early to speed the application and reduce queries.
“Understand the valuation, not just the purchase price — banks work off value when they compute limits.”
We harmonize varying terms and conditions across banks and recommend tenures that balance instalments, total interest, and future flexibility. Whatsapp us at for a fast eligibility summary and a target budget you can act on.
Documents and application flow: from IPA to Letter of Offer
A smooth document flow shortens approval time and protects your option-to-purchase window. Start with an IPA so you know your ceiling before committing funds. That prevents costly surprises later.
MyInfo/Singpass digital submission and NOA
Use MyInfo with Singpass to pre-fill verified information, including your latest NOA. This speeds the application and reduces manual uploads.
Option-to-Purchase, valuation, and what to prepare
After you sign an OTP, valuation is ordered fast. Be ready with address details and access windows so timelines don’t slip past the option period.
- Prepare payslips, employment letters, tenancy agreements, and proof of assets.
- Some banks may request credit line or account statements for underwriting checks.
- Your Letter of Offer will set the rate basis, spread, tenure, and key terms; accept within the stated period to avoid expiry.
We coordinate each step, fill information gaps, and liaise with underwriters to help your loan get processed smoothly. Check official website references when needed, and Whatsapp us at to receive a personalised checklist for your case.
Loan calculators and how to estimate your repayment
Run simple scenarios first so you know how payments behave under stress. A quick calculator run helps you compare packages and spot where a small rate shift makes a big difference.
Monthly rest repayment with 3M compounded SORA examples
Monthly rest means each instalment recalculates on the outstanding amount. That gives a more accurate view of true repayment over time.
For 3‑month compounded SORA, MAS publishes the index by 9 a.m. on the next business day and banks fix the combined rate on their review day for the coming quarter. Use OCBC’s OneAdvisor-style affordability checks to set realistic inputs.
- Input the amount, valuation, and desired tenure to see monthly changes.
- Run two stress tests: a small rate uptick and a partial prepayment to visualise outcomes.
- Match rental inflows to repayments to confirm coverage and timing.
“We help you stress-test numbers before you commit.”
Need hands-on help? Send us your calculator snapshot or try this loan calculator and Whatsapp us to get tailored examples within 24 hours.
Fees, subsidies, and promotions to watch
Hidden rebates and fee waivers often make one package far cheaper than another. We surface common offers and the small conditions that change net savings.
Look past the headline rate. Promotions can cut processing fees, cover legal costs, or subsidize valuation fees. That reduces what you pay at completion.
Processing fee discounts and legal/valuation subsidies
DBS currently offers 60% off processing fees for commercial submissions made online by 30 Sep 2025, plus legal and valuation subsidies. Factor these into your net amount.
Eco-focused bundles and small bill rebates
OCBC’s Eco-Care bundle pairs promotional 3M compounded SORA pricing with a one-time S$88 bill rebate for energy-efficient homes. Terms apply and eligibility varies.
- Promotions change total cost—legal and valuation subsidies can save thousands at completion.
- Watch claw-back conditions tied to early exit during lock-in.
- Some packages include free switching after year one to adapt to markets without legal costs.
- We monitor campaigns and alert you when new savings appear that match your profile.
“We compare packages inclusive of all fees so the best value is clear on a like-for-like basis.”
Whatsapp us and we’ll send a current promotions sheet tailored to your case.
WhatsApp Property Equity Loan for the latest property loan interest deals
A short WhatsApp message gets you curated offers and the key numbers for your next move.
Message us on WhatsApp for a fast shortlist of current offers that match your goals and timeline. We summarise each package, the rate structure, fees, and any promos so you can act with confidence.
Share your application details securely and we’ll pre-assess eligibility using online checks like Singpass to speed approval. Select banks allow free switches after year one, and DBS and OCBC offer calculators and digital acceptance to simplify the process.
- We’ll explain key terms and show how rates and fees net out after promotions and subsidies.
- If you’re mid-commitment, we’ll advise whether a within lock-in move is wise or costly.
- Business owners can request commercial options and residential packages in one conversation.
- Prefer minimal admin? We coordinate with the bank, valuation, and law firm to keep your account tidy.
“Our process is fast, discreet, and focused on your best outcome.”
Whatsapp us at to start in minutes—no obligation. For additional reference on non-housing options, see this loan against property offer.
Conclusion
A clear financing roadmap turns market noise into predictable decisions.
We’ve shown how fixed rate protection and SORA-linked adaptability play out over two to five years. Pay attention to the lock-in period, reset mechanics, and common early redemption fees (typically 1.5%).
We match loan packages to your goals: stability for families, flexibility for investors, and cash conservation for retirees. Commercial buyers can coordinate financing with long tenures and timely promotions from banks like DBS and OCBC.
When your period ends or markets shift, we’ll be ready with the next best option. Whatsapp us at to get concise, numbers-first recommendations from Property Equity Loan and move forward with confidence.
FAQ
What rates do you offer for competitive property loan interest packages?
We offer a mix of fixed-rate packages and 3-month compounded SORA-pegged packages. Fixed options protect you during the lock-in period, while 3M compounded SORA products typically come with a spread and regular rate-review dates. Exact figures depend on loan amount, tenor, and your credit profile — check the latest offers on our website or contact us for a personalised quote.
Why does the current rate environment in Singapore make choosing a product important now?
Rates have shifted due to global and domestic monetary policy, so small differences now can change your total cash outlay over the term. Selecting between short fixed terms and SORA-pegged options affects predictability and potential savings. We recommend reviewing your cash flow and risk tolerance before committing.
How is the 3-month compounded SORA published and when does it reset?
The Monetary Authority of Singapore (MAS) publishes the 3-month compounded SORA benchmark. Banks compound the daily SORA fixings over each three-month window; the rate effectively resets on defined business days at the end of each period. Your loan’s rate date and how the spread applies will be in the loan offer.
What does a “fixed rate” mean for short fixed-term packages in Singapore?
Short fixed terms lock your monthly repayment at a set rate for the tenure of that fixed period (commonly 1–3 years). After the fixed period ends, your loan typically reverts to a bank’s reprice rate or a SORA-pegged structure, unless you switch or refinance.
What are BOARD and FHR pegs and why do they matter?
BOARD (bank offered rate) and FHR (financial institution home rate) are bank-determined reference rates. They offer transparency about how a lender sets post-fixed rates, but banks control the spread and any adjustments. They can be less predictable than SORA-linked packages.
How do HDB loans differ from bank loans for HDB flats?
HDB loans are pegged to a concessionary rate (for example, around 2.60%) and behave like a low-volatility floating rate with no lock-in. Bank offers can beat that rate for certain borrowers, especially those with strong credit or larger cash buffers, but may include lock-ins and early repayment fees.
When can a bank product beat HDB’s CPF-pegged rate?
A bank package may be cheaper if you secure a low spread on a SORA-pegged product or a promotional fixed rate. It depends on your loan size, tenure, and whether you value flexibility over a longer fixed term. We can run a side-by-side comparison for your situation.
What protection do fixed-rate private home packages provide during the lock-in?
Fixed packages guarantee the rate and monthly repayment for the lock-in period, shielding you from market volatility. Early repayment or refinancing during this period often triggers break costs or a fee, so check the specific lock-in length and penalty terms.
For 3M compounded SORA packages, what should I watch for?
Review the spread over SORA, the rate review date, the business-day reset rules, and whether monthly rest or daily compounding applies. Also check any caps, floors, and how often your repayment recalculates after resets.
Are there free switching options after the first year on some packages?
Yes — select lenders waive switching fees or offer free conversions after the first year. These options are product-specific and usually require that you meet account and repayment conditions. Confirm the terms before signing.
How should commercial and industrial financing be structured — in a company name or personal name?
It depends on tax, liability and cashflow considerations. Corporations may access longer tenures and different lending limits, while personal names can sometimes secure better pricing for owner-occupiers. Discuss goals with your adviser and your bank to choose the right vehicle.
What options do major banks like DBS offer for business property financing?
Large banks provide both fixed and SORA-pegged commercial packages, often with tenures up to 25 years, tailored covenants, and business banking facilities. Terms vary by borrower profile and collateral; request a tailored proposal for exact pricing.
Which equity loan packages suit different borrower types?
Conservative borrowers may prefer longer fixed terms for predictability. Investors or those comfortable with rate cycles might opt for SORA-pegged packages to capture lower floating costs. Borrowers seeking short-term cash flexibility can consider interest-only or redraw features; we can match packages to your objectives.
What are common lock-in periods and early repayment fees?
Typical lock-in periods are two years, though some offers use one or three years. Early repayment penalties often sit around 1.5% of the outstanding principal during the lock-in, but exact charges differ by bank and product.
When is refinancing better: within lock-in or after lock-in?
Refinancing after the lock-in usually avoids early repayment fees and gives you negotiating leverage. Refinancing during lock-in can still make sense if the savings outweigh the break costs. We recommend running a break-even analysis before deciding.
How do rate review dates work when your loan is SORA-pegged?
A rate review date is when the lender recalculates your new effective rate using the latest 3-month compounded SORA plus the agreed spread. The revised monthly repayment takes effect after the review, according to the loan schedule and business-day rules.
What eligibility rules should I know — TDSR, LTV, and using assets?
TDSR (Total Debt Servicing Ratio) commonly sits at 55% for purchases; refinancing can allow higher thresholds depending on product and borrower strength. Banks also consider loan-to-value (LTV) limits and permit eligible financial assets to support borrowing capacity for certain offers.
Can financial assets be used to increase my borrowing limit?
Yes. Approved liquid assets and investment balances may be accepted to boost assessed income or collateral, helping you secure a larger facility. Each bank has specific rules and valuation haircuts.
What documents do lenders require from application to Letter of Offer?
Common items include Singpass/MyInfo digital consent, Notice of Assessment (NOA), payslips or business statements, Option to Purchase (for purchases), and valuation reports. The process typically moves from IPA (in-principle approval) to valuation, then Letter of Offer once underwriting completes.
How does MyInfo/Singpass simplify the application?
MyInfo via Singpass lets you prefill and verify identity and income information digitally, speeding assessment and reducing paperwork. You still need to supply property documents and bank statements where required.
Which calculators help estimate repayment for 3M compounded SORA products?
Use a monthly-rest repayment calculator that accepts the current 3-month compounded SORA and your chosen spread. It should model periodic resets and show scenarios for rate increases or drops so you can gauge payment volatility and cashflow impact.
What fees, subsidies, and promotions should I look for?
Watch for processing fee discounts, legal and valuation subsidies, cash rebates, and eco-focused bundles with bill rebates. Promotions change regularly, so compare headline rate savings together with actual upfront incentives and fees.
How can I get the latest deals quickly — is there a messaging option?
Many lenders and brokers offer WhatsApp updates for new packages and rate moves. Sign up with your preferred bank or broker to receive timely alerts and curated offers based on your profile.
