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Best Home Loans 2019

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
Year 1 SIBOR + 0.45%
Year 2 SIBOR + 0.45%
Year 3 SIBOR + 0.45%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$2,500
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • Waiver of lock-in penalty if property is sold
  • Prepay up to 30% of loan without penalty
  • Free switching to another loan package within the bank anytime
Interest Offset Ratio: 70%
Interest Offset Limit: 70%
Year 1 1M SIBOR + 0.45%
Year 2 1M SIBOR + 0.45%
Year 3 1M SIBOR + 0.45%
Thereafter 1M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive0.25% ( max $2000)
Remarks
  • Partial prepayment allowed within lock-in period
  • 6 months of interest-free Sundays
Year 1 SIBOR + 0.50%
Year 2 SIBOR + 0.50%
Year 3 SIBOR + 0.50%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • 50% waiver of lock-in penalty if property is sold
  • No prepayment penalty if outstanding loan is at least 70% of original loan
  • Free switching to another loan package within the bank anytime
Interest Offset Ratio: 70%
Interest Offset Limit: 70%

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties
Year 1 Board 1.65%
Year 2 Board 1.65%
Year 3 Board 1.65%
Thereafter Board 1.65%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • No prepayment penalty if remaining loan is at least $200K after prepayment
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank if board rate increases during lock-in period
Year 1 Board 1.60%
Year 2 Board 1.60%
Year 3 Board 1.85%
Thereafter Board 1.85%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $2,000)
Remarks
  • Rate pegged to fixed deposit rate (FD)
Year 1 Board 1.98%
Year 2 Board 1.98%
Year 3 Board 1.98%
Thereafter Board 1.98%
Lock-in period 2 years
Subsidy / Incentive$2,500
Remarks
  • Waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank during Year 2
  • After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%

Best Fixed Rates Home Loans for Private Properties
Year 1 1.68% (Fixed)
Year 2 1.68% (Fixed)
Year 3 3M SIBOR + 0.60%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Free switching to another loan package within the bank after 24 months or waiver of lock-in penalty if property is sold
  • Valuation subsidy capped at $500
Year 1 1.68% (Fixed)
Year 2 1.68% (Fixed)
Year 3 3M SIBOR + 0.60%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
Year 1 1.72% (Fixed)
Year 2 1.72% (Fixed)
Year 3 1M SIBOR + 0.55%
Thereafter 1M SIBOR + 0.65%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks

Best Sibor Home Loans for HDB Flats
Year 1 SIBOR + 0.45%
Year 2 SIBOR + 0.45%
Year 3 SIBOR + 0.45%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
  • Waiver of lock-in penalty if property is sold
  • Prepay up to 30% of loan without penalty
  • Free switching to another loan package within the bank anytime
Interest Offset Ratio: 70%
Interest Offset Limit: 70%
Year 1 3M SIBOR + 0.53%
Year 2 3M SIBOR + 0.53%
Year 3 3M SIBOR + 0.48%
Thereafter 3M SIBOR + 0.48%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Valuation subsidy subject to approval
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive$1,600
Remarks
  • Free switching to another loan package within the bank after the lock-in period
  • Not required to purchase fire insurance for condominiums
  • No penalty for prepayment of up to 50% of loan amount

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats
Year 1 Board 1.65%
Year 2 Board 1.65%
Year 3 Board 1.65%
Thereafter Board 1.65%
Lock-in period 2 years
Subsidy / Incentive$1650
Remarks
  • No prepayment penalty if remaining loan is at least $200K after prepayment
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank if board rate increases during lock-in period
Year 1 Board 1.60%
Year 2 Board 1.60%
Year 3 Board 1.85%
Thereafter Board 1.85%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $2,000)
Remarks
  • Rate pegged to fixed deposit rate (FD)
Year 1 Board 1.98%
Year 2 Board 1.98%
Year 3 Board 1.98%
Thereafter Board 1.98%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank during Year 2
  • After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%

Best Fixed Rates Home Loans for HDB Flats
Year 1 1.68% (Fixed)
Year 2 1.68% (Fixed)
Year 3 3M SIBOR + 0.60%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
Year 1 1.72% (Fixed)
Year 2 1.72% (Fixed)
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.65%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.70% (Fixed)
Year 2 1.70% (Fixed)
Year 3 3M SIBOR + 0.60%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks

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