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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 + 0.65%
Year 2 3M SIBOR + 0.65%
Year 3 3M SIBOR + 0.95%
Thereafter 3M SIBOR + 0.95%
Lock-in period 1 year
Subsidy / Incentive0.4% (max $2,000)
Remarks
Year 1 3M SIBOR + 0.65%
Year 2 3M SIBOR + 0.65%
Year 3 3M SIBOR + 1.00%
Thereafter 3M SIBOR + 1.00%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $2,000)
Remarks
  • Valuation subsidy capped at $500
  • Free switching to another loan package after 24 months or Waiver of lock-in penalty if property is sold
Year 1 3M SIBOR + 0.65%
Year 2 3M SIBOR + 0.65%
Year 3 3M SIBOR + 1.00%
Thereafter 3M SIBOR + 1.00%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $2,000)
Remarks
  • Valuation subsidy capped at $500
  • Free switching to another loan package after 24 months or Waiver of lock-in penalty if property is sold

Best Board & Fixed Deposit-pegged Rate Home Loans for Private Properties
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 1.15%
Year 2 Board 1.15%
Year 3 Board 1.65%
Thereafter Board 2.28%
Lock-in period 2 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 1.25%
Year 2 Board 1.35%
Year 3 Board 1.35%
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
  • Minimum loan tenor - 5 years

Best Fixed Rates Home Loans for Private Properties
Year 1 1.30% (Fixed)
Year 2 1.30% (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 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 3M SIBOR + 1.00%
Thereafter 3M SIBOR + 1.00%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Valuation subsidy capped at $500
Year 1 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 3M SIBOR + 1.00%
Thereafter 3M SIBOR + 1.00%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Valuation subsidy capped at $350

Best Sibor Home Loans for HDB Flats
Year 1 3M SIBOR + 0.70%
Year 2 3M SIBOR + 0.70%
Year 3 3M SIBOR + 1.00%
Thereafter 3M SIBOR + 1.00%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Valuation subsidy capped at $350
Year 1 3M SIBOR + 0.75%
Year 2 3M SIBOR + 0.75%
Year 3 3M SIBOR + 0.95%
Thereafter 3M SIBOR + 0.95%
Lock-in period 1 year
Subsidy / Incentive0.4% (max $2,000)
Remarks
Year 1 3M SIBOR + 0.75%
Year 2 3M SIBOR + 0.75%
Year 3 3M SIBOR + 1.00%
Thereafter 3M SIBOR + 1.00%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Valuation subsidy capped at $350

Best Board & Fixed Deposit-pegged Rate Home Loans for HDB Flats
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 1.15%
Year 2 Board 1.15%
Year 3 Board 1.65%
Thereafter Board 2.28%
Lock-in period 2 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 1.35%
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%

Best Fixed Rates Home Loans for HDB Flats
Year 1 1.30% (Fixed)
Year 2 1.30% (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 1.30% (Fixed)
Year 2 1.30% (Fixed)
Year 3 3M SIBOR + 1.00%
Thereafter 3M SIBOR + 1.00%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Valuation subsidy capped at $350
Year 1 1.45% (Fixed)
Year 2 1.45% (Fixed)
Year 3 3M SIBOR + 1.00%
Thereafter 3M SIBOR + 1.00%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks

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