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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 SIBOR + 0.77%
Year 2 SIBOR + 0.77%
Year 3 SIBOR + 0.77%
Thereafter SIBOR + 0.77%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.84%
Year 2 SIBOR + 0.84%
Year 3 SIBOR + 0.84%
Thereafter SIBOR + 0.84%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.85%
Year 2 SIBOR + 0.85%
Year 3 SIBOR + 0.85%
Thereafter SIBOR + 1.00%
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%

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties
Year 1 Board 1.00%
Year 2 Board 1.00%
Year 3 Board 1.00%
Thereafter Board 1.40%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Rate pegged to fixed deposit rate (FD), FD is currently at 0.72%
Year 1 Board 1.15%
Year 2 Board 1.20%
Year 3 Board 1.25%
Thereafter Board 2.28%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Free switching to another loan package within the bank if board rate were to increase within the lock-in period
  • Loan servicing account yield 1% per annum
Year 1 Board 1.20%
Year 2 Board 1.30%
Year 3 Board 1.40%
Thereafter Board 1.40%
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
  • Rates Peg to 3mth Sora

Best Fixed Rates Home Loans for Private Properties
Year 1 1.20% (Fixed)
Year 2 1.20% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1M SIBOR + 0.90%
Thereafter 1M SIBOR + 0.90%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1.25% (Fixed)
Thereafter SIBOR + 1.25%
Lock-in period 3 years
Subsidy / Incentive$2,500
Remarks
  • Free switching to another loan package within the bank after 36 months
  • Rate can be pegged to 1M or 3M SIBOR

Best Sibor Home Loans for HDB Flats
Year 1 SIBOR + 0.77%
Year 2 SIBOR + 0.77%
Year 3 SIBOR + 0.77%
Thereafter SIBOR + 0.77%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.84%
Year 2 SIBOR + 0.84%
Year 3 SIBOR + 0.84%
Thereafter SIBOR + 0.84%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
  • Rate can be pegged to 1M or 3M SIBOR
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 SIBOR + 0.85%
Year 2 SIBOR + 0.85%
Year 3 SIBOR + 0.85%
Thereafter SIBOR + 1.00%
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%

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats
Year 1 Board 1.00%
Year 2 Board 1.00%
Year 3 Board 1.00%
Thereafter Board 1.40%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Rate pegged to fixed deposit rate (FD), FD is currently at 0.72%
Year 1 Board 1.15%
Year 2 Board 1.20%
Year 3 Board 1.25%
Thereafter Board 2.28%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Free switching to another loan package within the bank if board rate were to increase within the lock-in period
  • Loan servicing account yield 1% per annum
Year 1 Board 1.20%
Year 2 Board 1.30%
Year 3 Board 1.40%
Thereafter Board 1.40%
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
  • Rates Peg to 3mth Sora

Best Fixed Rates Home Loans for HDB Flats
Year 1 1.20% (Fixed)
Year 2 1.20% (Fixed)
Year 3 1M SIBOR + 0.85%
Thereafter 1M SIBOR + 0.85%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1M SIBOR + 0.90%
Thereafter 1M SIBOR + 0.90%
Lock-in period 2 years
Subsidy / Incentive0.2% (max $2,500)
Remarks
Year 1 1.25% (Fixed)
Year 2 1.25% (Fixed)
Year 3 1.25% (Fixed)
Thereafter Board 1.72%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Free switching to another loan package after 24 months
  • Valuation subsidy capped at $350

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