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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 1M SIBOR + 0.80%
Year 2 1M SIBOR + 0.80%
Year 3 1M SIBOR + 0.95%
Thereafter 1M Sibor + 1.25%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Loan servicing account yield 1.35% per annum
Year 1 3M SIBOR + 0.80%
Year 2 3M SIBOR + 0.80%
Year 3 3M SIBOR + 1.00%
Thereafter 3M SIBOR + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,000
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
Year 1 3M SIBOR + 0.65%
Year 2 3M SIBOR + 0.65%
Year 3 3M SIBOR + 1.50%
Thereafter 3M SIBOR + 1.50%
Lock-in period 1 year
Subsidy / Incentive0.4% (max $2,000)
Remarks

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties
Year 1 Board 0.84%
Year 2 Board 0.84%
Year 3 Board 1.54%
Thereafter 3M CMPD Sora + 1.40%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $2,000)
Remarks
  • Rate pegged to 3M Sora
  • 3M Sora at 0.14%
  • $50,000 to be placed with bank
Year 1 Board 0.97%
Year 2 Board 0.97%
Year 3 Board 1.35%
Thereafter 3M CMPD Sora + 1.05%
Lock-in period -
Subsidy / Incentive0.4% (max $5,000)
Remarks
  • Rate is pegged to 3M Sora
  • 3M Sora is currently at 0.2957%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 Board 1.02%
Year 2 Board 1.02%
Year 3 Board 1.27%
Thereafter 3M Sora + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,200
Remarks
  • Free switching to another loan package after 24 months
  • 50% waiver of lock-in penalty if property is sold
  • Rate is pegged to 3M Sora, 3M Sora is currently at 0.2674%

Best Fixed Rates Home Loans for Private Properties
Year 1 1.12% (Fixed)
Year 2 1.12% (Fixed)
Year 3 Board 1.20%
Thereafter Board + 1.75%
Lock-in period 2 years
Subsidy / Incentive0.30% (max $2,000)
Remarks
  • Valuation subsidy capped at $500
  • Free conversion within 3 months from date of expiry of the lock in period
  • Waiver of lock-in penalty if property is sold
Year 1 1.15% (Fixed)
Year 2 1.15% (Fixed)
Year 3 Board 1.25%
Thereafter 3M Sora + 1.25%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Rate pegged to 3M Sora
  • 3M Sora at 0.1492%
Year 1 1.20% (Fixed)
Year 2 1.20% (Fixed)
Year 3 1.20% (Fixed)
Thereafter 3M Sora + 1.25%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Rate pegged to 3M Sora
  • 3M Sora at 0.1492%

Best Sibor Home Loans for HDB Flats
Year 1 1M SIBOR + 0.80%
Year 2 1M SIBOR + 0.80%
Year 3 1M SIBOR + 0.95%
Thereafter 1M Sibor + 1.25%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Loan servicing account yield 1.35% per annum
Year 1 3M SIBOR + 0.80%
Year 2 3M SIBOR + 0.80%
Year 3 3M SIBOR + 1.00%
Thereafter 3M SIBOR + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,000
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
Year 1 3M SIBOR + 0.75%
Year 2 3M SIBOR + 0.75%
Year 3 3M SIBOR + 1.50%
Thereafter 3M SIBOR + 1.50%
Lock-in period 1 year
Subsidy / Incentive0.4% (max $2,000)
Remarks

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats
Year 1 Board 0.97%
Year 2 Board 0.97%
Year 3 Board 1.35%
Thereafter 3M CMPD Sora + 1.05%
Lock-in period -
Subsidy / Incentive0.4% (max $5,000)
Remarks
  • Rate is pegged to 3M Sora
  • 3M Sora is currently at 0.2957%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 Board 1.02%
Year 2 Board 1.02%
Year 3 Board 1.27%
Thereafter 3M Sora + 1.00%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Free switching to another loan package after 24 months
  • 50% waiver of lock-in penalty if property is sold
  • Rate is pegged to 3M Sora, 3M Sora is currently at 0.2674%
Year 1 Board 1.02%
Year 2 Board 1.02%
Year 3 Board 1.35%
Thereafter 3M CMPD Sora + 1.05%
Lock-in period -
Subsidy / Incentive0.2% (max $5,000)
Remarks
  • Rate is pegged to 3M Sora
  • 3M Sora is currently at 0.2957%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%

Best Fixed Rates Home Loans for HDB Flats
Year 1 1.14% (Fixed)
Year 2 1.14% (Fixed)
Year 3 Board 1.50%
Thereafter Board 1.50%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,000)
Remarks
  • Full Valuation Subsidy
  • Not required to purchase fire insurance for 1st year
Year 1 1.20% (Fixed)
Year 2 1.20% (Fixed)
Year 3 Board 1.40%
Thereafter Board 2.10%
Lock-in period 2 years
Subsidy / Incentive$1,500
Remarks
Year 1 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 1.30% (Fixed)
Thereafter Board 2.10%
Lock-in period 3 years
Subsidy / Incentive$1,500
Remarks

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