Property Loan Interest Rate Singapore: Get Best Rates

We know how heavy the choices can feel. You may be holding years of savings, memories in a home, or plans for the next chapter. That mix of emotion and numbers often makes deciding on a home financing path feel personal and high-stakes.

We guide you with clear facts and calm advice. Our team compares bank offers, fixed options, and SORA‑pegged packages so you can lower monthly payments without losing flexibility.

HDB loans sit at CPF OA + 0.1% = 2.60% with no lock‑in, and switching from an HDB home loan to a private bank is final. Fixed terms here usually last 2–5 years, then revert to a SORA + spread setup. MAS publishes 1M/3M Compounded SORA at 9 A.M. each business day, which banks use for floating mortgages.

We act as your advocate: compare, shortlist, and negotiate bank deals, then guide you through acceptance to completion. Ready to move? Whatsapp us to get the latest offers and a custom shortlist matched to your home profile.

Key Takeaways

• We compare fixed and SORA‑pegged options to help cut monthly costs.
• HDB’s 2.60% CPF OA pricing can suit some borrowers; switching to banks is irreversible.
• Fixed periods (2–5 years) add stability; floating packages follow MAS SORA releases.
• We consider fees, legal subsidies, and effective pricing—not just the advertised number.
• Contact us on Whatsapp for tailored comparisons and negotiation support.

Why Singapore homeowners compare property loan interest rates right now

Many owners are rechecking financing now to trim monthly payments and build a cash buffer. Markets are volatile and simple tweaks can free up meaningful spending power.

Commercial intent: cutting monthly repayments and unlocking equity remain top goals. We help you restructure debt sensibly and consider equity release for renovation, investment, or retirement income.

• Most packages are SORA‑pegged since 2024; MAS posts 1M/3M compounded SORA daily at 9 A.M.
• Fixed periods here run 2–5 years, so plan for repricing when the term ends.
• We compare effective charges after fees and compute break‑even points before you switch.

How we help:

Ready for a shortlist? Whatsapp us to get latest deals and a tailored assessment that matches your holding period and cash‑flow needs.

Property Equity Loan: your partner for smarter home financing

We bring clarity to complex bank offers so you can choose a smarter way to finance your home.

We operate as your independent comparison partner. Our process looks beyond headline numbers and shows the true cost after fees, legal subsidies, and lock‑in terms.

What we do and how we compare bank packages

We scan banks singapore and review fixed options, 1M/3M Compounded SORA, BOARD/FHR pegs, and green bundles.

Then we model scenarios using your outstanding balance and remaining years. That highlights likely savings and when repricing will affect your budget.

“Our goal is to secure the one best match for your needs, not to push a single product.”

WhatsApp us to get the latest deals and tailored rate picks

You’ll receive a curated shortlist with pros and cons, prepayment checks, and a clear path from in‑principle approval to letter of offer.

• Side‑by‑side comparisons of loan packages and monthly impact
• Assessment of reset cadence and rate sustainability
• Negotiation support and paperwork assistance

WhatsApp us to get the latest deals and a fast, unbiased second opinion on your current mortgage.

Property loan interest rate singapore

When you compare offers, clarity about HDB versus bank options saves time and money.

What this covers: HDB and private financing, new purchases, refinancing, and equity term loans secured on your home.

What to expect and why it matters

HDB loans sit at 2.60% with no lock-in period. Remember: switching from an HDB plan to a bank arrangement is final.

Bank packages vary. You can pick fixed rate tenures or floating pegs such as 1M/3M SORA with different spreads and review dates.

• Searchers want clarity on HDB vs bank choices and current pricing mechanics.
• The term spans new purchase, refinance, and equity term financing.
• We factor in debt servicing ratio rules to show your maximum eligible amount.
• We model scenarios for private property investors and HDB owners to compare total cost over years.

“We weigh lock-in period, prepayment options and fees so you’re not surprised later.”

Need tailored comparisons? Whatsapp us to get the latest deals and a custom shortlist that matches your plans and risk tolerance.

Roundup: today’s common home loan packages across banks in Singapore

Today’s bank packages span fixed tenures, SORA pegs, and BOARD/FHR-style bundles so you can match financing to your holding horizon.

Fixed-rate packages: protection within lock-in periods

Fixed rate offers lock payments for a set term, typically 2–5 years. That stability helps with budgeting through uncertain cycles.

Fixed tenures often carry a lock-in period and early-exit fees. We weigh those costs against the predictable monthly outlay.

Floating packages: 1M/3M Compounded SORA with spreads

Most banks price floating home loans as 1M or 3M Compounded SORA + spread. MAS publishes 1M/3M SORA daily at 9 A.M., which governs resets.

1M SORA resets monthly; 3M SORA resets quarterly. Your rate review date determines when repayments change.

BOARD/FHR-style packages: where they fit now

DBS pioneered FHR; BOARD and FHR bundles can be steadier at times but are set by each bank and less transparent.

We compare spreads, legal subsidies, clawbacks, and prepayment allowances across banks. Then we show effective annualized cost—not just the headline interest rates.

“We compile a neutral product roundup and handle negotiation so you get a shortlist that fits your needs.”

• Private property buyers: look for flexible partial prepayment and lower repricing fees.
• HDB owners: we compare bank alternatives to HDB’s 2.6% housing loan to quantify potential savings.
• We help estimate loan amount eligibility alongside package selection for a full picture.

Want a tailored shortlist? We compile options and negotiate on your behalf. Whatsapp us to get the latest deals and a clear comparison.

SORA explained: how banks set floating mortgage rates

We simplify SORA mechanics so you know what moves your monthly payment and when. SORA is a market-based reference that banks use to price many floating home loans.

How it works: 1M and 3M Compounded SORA are each computed by compounding the daily published SORA over the past month or quarter. MAS posts the official print at 9:00 A.M. on business days.

1M vs 3M Compounded SORA and the review date

With 1M SORA, your mortgage can reset monthly. With 3M SORA, adjustments normally happen every three months.

The rate review date fixes which published SORA print a bank applies until the next reset window. Banks then add a spread to that figure.

MAS timing and how repayments reset

MAS prints determine the SORA reference. Your instalments update after the bank’s reset window, so payments reflect the new compounded figure for the next period.

“If SORA prints negative, some banks use a zero floor — check whether your package has one.”

• Transparency: SORA mirrors real overnight trades and is more detectable than older benchmarks.
• Spread matters: Small spread differences can compound into material savings over years.
• Practical tip: We time switches to align with your upcoming reset to avoid mid-cycle surprises.

Need help choosing? We compare spreads, floors and reset dates so you can pick the right mix of predictability and flexibility. Whatsapp us to get the latest deals and a tailored shortlist.

Fixed vs floating: which loan package suits your needs

Choosing between a fixed plan and a SORA-linked option comes down to how much certainty you need and how long you expect to keep the home. We match your risk tolerance and timeline to the right structure so you can plan with confidence.

Stability within fixed tenures vs flexibility on SORA

Fixed rate offers predictable monthly payments during a typical 2–5 years commitment. That predictability helps if you value certainty and budgeting ease.

Floating tracks market prints like 1M/3M SORA and can lower costs when rates trend down. Expect variability in instalments and more frequent resets.

Choosing based on outlook, lock-in, and prepayment needs

Practical checks:

• We weigh your holding period and future cash needs before recommending a home loan structure.
• A long lock-in period can protect payments but may incur fees if you prepay within the commitment period.
• If you may sell or restructure in a few years, a shorter lock-in or hybrid strategy often saves penalties.
• We model worst-case and base-case scenarios, considering spread paths and reset frequency.

“Our aim is to give clear, practical guidance so you make a confident choice — not jargon.”

Want help matching a package to your plans? Whatsapp us to get the latest deals and a tailored shortlist for your mortgage needs.

HDB loan vs bank loan: key differences Singapore buyers must know

We guide you impartially on HDB versus bank trade-offs and timing. Your choice affects CPF use, documentation, and the path if you refinance later.

HDB loan features: pegged at 2.6% and no lock-in

HDB housing loan sits at 2.60% (CPF OA 2.50% + 0.1%).

It has no lock-in and can be redeemed anytime, which supports flexibility for household plans.

Bank loan features: LTV, package variety, and repricing options

Bank packages include fixed offers, SORA‑pegged terms, and BOARD/FHR style bundles.

They vary by LTV, fees, and prepayment rules. Sometimes a bank loan is cheaper overall once fees and subsidies are counted.

Non-reversible switch: refinancing HDB to bank considerations

Switching from an HDB home loan to a bank option is final. That makes timing crucial.

We assess eligibility, LTV, CPF vs cash outlay, and the sequencing you need for an HLE letter, IPA, and OTP for a hdb flat purchase.

“We compare total cost, not just the headline figure, so you can keep flexibility while improving long-term affordability.”

• HDB’s 2.6% is stable and penalty-free to exit.
• Bank choices can lower payments but add repricing and lock-in trade-offs.
• We model LTV, TDSR impact, and cash/CPF differences for hdb flat buyers.
• For private property moves, we map upgrade and bridging options to protect your timing.

Next step: Whatsapp us to get the latest deals and a tailored shortlist that matches your timeline and cashflow needs.

OCBC highlights: Eco-Care Home Loan and SORA-based bundles

OCBC pairs sustainability checks with promotional SORA pricing for qualifying homes.

Eco-Care assessment uses THEEA to verify energy efficiency. If your home passes, OCBC may offer promotional 3M Compounded SORA pricing. That can lower your monthly mortgage cost when markets are favorable.

The bank lets new customers switch packages once free after year one. You also get the option to prepay up to 50% within the first two years, which helps cut total borrowing charges.

Minimum loan amounts apply: S$200,000 for HDB and S$300,000 for private purchases. You can apply online using SingPass/MyInfo and receive a digital letter of offer once approved.

• Eco-Care: promotional SORA for THEEA-qualified homes.
• Free package switch after year one for new accounts.
• Partial prepayment up to 50% in first two years.
• Digital apply via SingPass and digital letter of offer.

“We benchmark OCBC spreads versus peers and time switches around your review date to reduce disruption.”

We can secure OCBC picks that fit your goals. Whatsapp us to get the latest deals and a tailored shortlist.

DBS highlights: competitive purchase, refinance, and green options

DBS pairs green financing options with a digital workflow so you can monitor and reprice your mortgage easily.

What we find useful: DBS promotes competitive offers for purchases and refinancing home from other banks. It also runs a Green Home Loan for qualifying energy-efficient homes.

Refinancing perks and digital management

You can reprice an existing DBS home loan online and track applications through the bank’s portal. That reduces paperwork and speeds up decisions.

When we assess DBS, we weigh fixed rate packages versus SORA-style pegs against your budget and holding period. For private property, we check flexibility, lock-ins, and prepayment terms.

• Competitive pricing for purchases and refinancing home from other banks.
• Digital repricing and application tracking to align with market moves.
• We quantify total cost over the next 2–5 years, not just early promotions.
• We coordinate discharge, legal, and valuation steps for smooth refinancing.

“We assess DBS packages alongside perks, legal subsidies, and clawback conditions so you see the full picture.”

Next step: We source DBS purchase, refinance, and green options that suit your plan. Whatsapp us to get the latest home loan deals and a tailored shortlist.

Eligibility and maximum loan amount: LTV, TDSR, and total debt servicing

Before you apply, know how caps and servicing rules shape what you can borrow.

Banks set a maximum LTV of 75% for a first residential purchase. That cap decides how much cash or CPF you must bring to completion.

Loan‑to‑Value limits for first homes

What to watch: LTV ties to the lower of valuation or purchase price. We model the shortfall so you see required downpayment and CPF use.

Total Debt Servicing Ratio: 55% for purchases

TDSR caps total debt servicing at 55% of gross monthly income. Lenders then apply a stress test — at least 4% for the mortgage — to compute your affordability.

Translating eligible financial assets into income

MAS lets banks convert Eligible Financial Assets into income at 30% of EFA divided by 48 months. We include that to boost your usable income for approval.

• We model your maximum loan amount across tenures and rates so you know the likely outcome.
• We stress-test total debt to avoid surprises at assessment.
• File prep — NOA, payslips, tenancy proof — speeds bank credit checks.

“We structure your application to maximise approval within MAS rules.”

Documents and digital application: using Singpass/MyInfo

Start your digital application early to avoid last-minute document rushes and delays. We guide you through a fully digital submission so banks can verify essentials faster.

Most data can be pre-filled. Using SingPass and MyInfo pulls your latest Notice of Assessment and verified ID to cut manual input. That speeds checks and limits requests for extra paperwork.

Notice of Assessment, payslips, OTP, tenancy proof

Prepare these items before applying: latest NOA, three months’ payslips, letter of employment if you recently changed jobs, and the OTP where relevant. Include tenancy agreements with e-stamping to show rental income.

Faster submissions with MyInfo and what banks verify

Apply online using using SingPass/MyInfo to pre-fill verified data and speed bank checks. Lenders will still verify liabilities, credit bureau records, and income stability.

• We validate your documents to flag gaps before submission.
• We calculate your maximum loan and maximum loan amount in parallel to show choices fast.
• We explain the digital letter of offer you’ll receive after approval and next steps.

We coordinate valuers and lawyers so completion stays on schedule and debt servicing checks meet MAS rules. Whatsapp us to get the latest deals and a tailored shortlist.

Lock-in period, prepayment, and letter of offer essentials

Before you sign, know how commitment clauses shape your options over the next few years.

Most banks set a 2-year lock-in period for promotional packages. That commitment can limit refinancing or selling moves without penalty. If you repay within the commitment window, expect early-exit charges.

Typical penalties run at about 1.5% on the amount repaid when you exit within the lock-in period. Some fixed rate contracts allow partial prepayment, but fees often still apply. Plan any partial prepayments so you don’t trigger avoidable costs.

What to check in your Letter of Offer before accepting

• Confirm the exact lock-in period and what happens within lock-in.
• Check the peg type, spread, floor, and how future repricing works.
• Note cancellation windows and the acceptance deadline — most letters offer seven days.
• Watch subsidy clawbacks and any clawback windows that could cost you if you move early.
• Ensure the negotiated home loan terms and special conditions are written into the letter offer.

“We review your Letter of Offer clause by clause so you accept with confidence.”

We walk you through every clause before you accept digitally. Whatsapp us to get the latest deals and a tailored checklist for your mortgage or home loan decision.

Refinancing and repricing: lower your rate within and after lock-in

Smartly aligning a transfer with bank reset dates reduces cash‑flow disruption. Timing matters: the day you move can affect the next payment the bank applies.

When to switch packages and how rate review dates matter

Rate‑setting dates determine which published print your mortgage uses at reset. Move close to a review date and you may avoid one higher instalment before switching.

We time your switch to minimize penalties and maximize savings. You get a clear savings table for 12, 24 and 36 months so decisions are evidence‑based.

Within lock-in vs out of lock-in moves

Within lock-in period moves often carry penalties. We quantify fees and show whether the net saving justifies a switch.

• We compare repricing with your current bank versus refinancing home to another bank for the best net gain.
• Align switches with the rate review date to avoid paying an extra instalment.
• Out of lock-in, you usually face no penalty and can access the full market of packages.
• We sequence discharge, valuation, legal and acceptance to keep costs low.

“A small calendar move can make a large difference to your cash flow.”

Want a tailored savings plan? Whatsapp us to get the latest deals and a clear switch timeline.

Commercial and industrial property financing basics

Commercial and industrial acquisitions follow different rules than a typical home purchase. Banks evaluate business strength, director profiles, and cash flows alongside the asset itself. That affects available lenders, pricing, and covenant demands.

Buying under a company vs personal name

Buying under a private limited company can expand lender appetite. Many banks prefer lending to an operating company or an investment‑holding company (IHC) for commercial and industrial assets.

Advantages: wider lender choice, potentially better commercial rates, and clearer separation of business risk from personal balance sheets.

Buying personally may be simpler for small deals, but some industrial units face borrower restrictions when financed in an individual’s name.

Investment‑holding companies and GST considerations

Setting up an IHC can improve pricing and open specialist bank offers. If you register for GST early, IRAS may allow pre‑registration input tax refunds within six months of incorporation.

We coordinate with your corporate secretary and tax advisor to ensure GST steps and documentation align with the bank’s credit checks and disbursement timeline.

“Banks assess directors’ income, business track record, and projected cash flows — not just the asset’s valuation.”

• Understand pros and cons before choosing entity structure.
• We map typical covenant terms, tenures, and prepayment clauses banks use for offices and industrial units.
• Our team compares fees and commercial rates across banks and aligns tax strategy with financing.

Need a tailored path? We advise on corporate structures and bank appetite. Whatsapp us to get the latest deals and a financing plan matched to your exit timeline and tax goals.

How Property Equity Loan helps you pick the one best deal

We narrow the market to the handful of offers that truly move the needle for your budget.

Our process begins with a compact, side-by-side comparison of shortlisted banks singapore and their loan packages. We show pegs (SORA + spread), fixed terms, BOARD/FHR-style bundles, and how fixed offers revert to floating after 2–5 years.

Side-by-side bank comparisons and rate negotiation

What we produce: a clear matrix of banks, pegs, spreads, fees, and estimated total cost so you see net savings at a glance.

• We negotiate spreads and fee waivers to improve your net outcome beyond public offers.
• We explain trade-offs and recommend the one best fit for your goals.
• We plan around your lock-in and the rate review date to avoid overlap costs.
• We coordinate with your banker and lawyer so acceptance and issuance of the LO are seamless.
• We monitor markets and alert you when a reprice or refinance could save more.

Whatsapp us at to get latest deals

You’ll have one point of contact for questions and clear next steps. Expect a personalized shortlist within 24 hours.

“We compare, negotiate, and secure your ideal package so you can act with confidence.”

Conclusion

A clear plan now can protect savings and give you options when markets move.

The right structure can lower your repayments today and keep flexibility for tomorrow. Fixed terms usually last 2–5 years, then revert to floating pegs such as SORA, BOARD or FHR. MAS publishes SORA at 9 A.M. daily, which anchors most floating packages.

For HDB, the 2.6% option has no lock-in and switching to a bank is final. We compare fixed and SORA packages and time moves around lock-in and reset cycles so you know the net saving before you commit.

We simplify documents via MyInfo, align legal steps, and review your Letter of Offer carefully. After completion, we keep watching the market and send repricing alerts so you can act when conditions improve.

Next step: Let’s secure your savings and flexibility today. Whatsapp us at to get latest deals and a tailored shortlist.