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Best Home Loans 2020

Best Sibor Home Loans for Private Properties

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties

Best Fixed Rates Home Loans for Private Properties

Best Sibor Home Loans for HDB Flats

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats

Best Fixed Rates Home Loans for HDB Flats

Do note that the rates below are indicative and that subsidies & incentives are generally given for refinancing only.

For the best home loans specific to you, please contact us or use the Finko home loan comparison.

Best Sibor Home Loans for Private Properties

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties
Year 1 Board 3.81%
Year 2 Board 3.81%
Year 3 Board 4.46%
Thereafter 3M CMPD Sora + 1.00%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $2,500)
Remarks
  • Rate is pegged to 3M Sora
  • 3M Sora is currently at 3.7057%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 Board 4.11%
Year 2 Board 4.11%
Year 3 Board 4.16%
Thereafter 3M CMPD Sora + 1.10%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Rate is pegged to 3M Sora
  • 3M Sora is currently at 3.6114%
Year 1 Board 4.16%
Year 2 Board 4.16%
Year 3 Board 4.21%
Thereafter 3M CMPD Sora + 1.10%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Rate is pegged to 3M Sora
  • 3M Sora is currently at 3.6114%

Best Fixed Rates Home Loans for Private Properties
Year 1 2.85% (Fixed)
Year 2 2.85% (Fixed)
Year 3 2.85% (Fixed)
Thereafter 3M CMPD Sora + 1.00%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $2,500)
Remarks
  • After fixed rate period, rate is pegged to 3M Sora
  • 3M Sora is currently at 3.6277%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 3.35% (Fixed)
Year 2 3.35% (Fixed)
Year 3 3.35% (Fixed)
Thereafter 1M Comp Sora + 1.00%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • Free switching to another loan package within the bank when fixed rate ends
  • After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.7348%
Year 1 3.45% (Fixed)
Year 2 3.45% (Fixed)
Year 3 3.45% (Fixed)
Thereafter 1M SORA + 1.00%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $2,500)
Remarks
  • Rate is pegged to 1M Sora, 1M Sora is currently at 3.7348%

Best Sibor Home Loans for HDB Flats

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats
Year 1 Board 4.21%
Year 2 Board 4.21%
Year 3 Board 4.26%
Thereafter 3M Sora + 1.00%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • Rate is pegged to 3M Sora
  • 3M Sora is currently at 3.6114%
Year 1 Board 4.25%
Year 2 Board 4.25%
Year 3 Board 4.25%
Thereafter 3M SORA + 1.00%
Lock-in period 1 year
Subsidy / Incentive0.4% (max $2,500)
Remarks
  • Free conversion after the lock-in period
  • Prepay up to 50% of loan amount without penalty
  • Rate is pegged to 3M Sora, 3M Sora is currently at 3.7509%
Year 1 Board 4.28%
Year 2 Board 4.28%
Year 3 Board 4.38%
Thereafter 1M SORA + 1.00%
Lock-in period 2 years
Subsidy / Incentive$1,000
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank anytime
  • Rate is pegged to 1M Sora, 1M Sora is currently at 3.7348%

Best Fixed Rates Home Loans for HDB Flats
Year 1 3.35% (Fixed)
Year 2 3.35% (Fixed)
Year 3 3.35% (Fixed)
Thereafter 1M Comp Sora + 1.00%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • Free switching to another loan package within the bank when fixed rate ends
  • After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.7348%
Year 1 3.45% (Fixed)
Year 2 3.45% (Fixed)
Year 3 3.45% (Fixed)
Thereafter 1M SORA + 1.00%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $2,500)
Remarks
  • Rate is pegged to 1M Sora, 1M Sora is currently at 3.7348%
Year 1 3.50% (Fixed)
Year 2 3.50% (Fixed)
Year 3 3.50% (Fixed)
Thereafter 1M Comp Sora + 1.00%
Lock-in period 3 years
Subsidy / Incentive$1,000
Remarks
  • Free switching to another loan package within the bank when fixed rate ends
  • After fixed rate period, rate is pegged to 1M Sora, 1M Sora is currently at 3.7348%

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