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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
Year 1 3M SIBOR + 0.55%
Year 2 3M SIBOR + 0.55%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,000)
Remarks
  • Full Valuation Subsidy
  • Not required to purchase fire insurance for 1st year
Year 1 3M SIBOR + 0.60%
Year 2 3M SIBOR + 0.60%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Valuation subsidy capped at $500
  • Waiver of lock-in penalty if property is sold
Interest Offset Ratio: 67%
Interest Offset Limit: 100%

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties
Year 1 Board 1.35%
Year 2 Board 1.35%
Year 3 Board 1.35%
Thereafter Board 1.35%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Rate pegged to fixed deposit rate (FD), FD is currently at 1.02%
Year 1 Board 1.45%
Year 2 Board 1.55%
Year 3 Board 1.75%
Thereafter Board 1.95%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Free switching to another loan package within the bank if rate increases
  • Prepay up to 50% of loan amount without penalty
  • Not required to purchase fire insurance for condominiums
Year 1 Board 1.60%
Year 2 Board 1.60%
Year 3 Board 1.60%
Thereafter Board 1.60%
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

Best Fixed Rates Home Loans for Private Properties
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
Year 1 1.72% (Fixed)
Year 2 1.72% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$2,500
Remarks
  • Free switching to another loan package within the bank after 24 months
  • Rate can be pegged to 1M or 3M SIBOR
Year 1 1.60% (Fixed)
Year 2 1.60% (Fixed)
Year 3 3M SIBOR + 0.75%
Thereafter 3M SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Valuation subsidy capped at $500
  • Free switching to another loan package or Waiver of lock-in penalty if property is sold

Best Sibor Home Loans for HDB Flats
Year 1 3M SIBOR + 0.55%
Year 2 3M SIBOR + 0.55%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,000)
Remarks
  • Full Valuation Subsidy
  • Not required to purchase fire insurance for 1st year
Year 1 3M SIBOR + 0.60%
Year 2 3M SIBOR + 0.60%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Valuation subsidy capped at $350
Interest Offset Ratio: 67%
Interest Offset Limit: 100%
Year 1 3M SIBOR + 0.65%
Year 2 3M SIBOR + 0.65%
Year 3 3M SIBOR + 0.65%
Thereafter 3M SIBOR + 0.65%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Valuation subsidy capped at $350
Interest Offset Ratio: 67%
Interest Offset Limit: 100%

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats
Year 1 Board 1.35%
Year 2 Board 1.35%
Year 3 Board 1.35%
Thereafter Board 1.35%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Rate pegged to fixed deposit rate (FD), FD is currently at 1.02%
Year 1 Board 1.45%
Year 2 Board 1.55%
Year 3 Board 1.75%
Thereafter Board 1.95%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • Free switching to another loan package within the bank if rate increases
  • Prepay up to 50% of loan amount without penalty
Year 1 Board 1.60%
Year 2 Board 1.60%
Year 3 Board 1.60%
Thereafter Board 1.60%
Lock-in period 2 years
Subsidy / Incentive-
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

Best Fixed Rates Home Loans for HDB Flats
Year 1 1.72% (Fixed)
Year 2 1.72% (Fixed)
Year 3 SIBOR + 0.75%
Thereafter SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive$1,000
Remarks
  • Free switching to another loan package within the bank after 24 months
  • Rate can be pegged to 1M or 3M SIBOR
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 1.65% (Fixed)
Year 2 1.65% (Fixed)
Year 3 3M SIBOR + 0.75%
Thereafter 3M SIBOR + 0.75%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks

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