DBS Home Loans

DBS Home Loan for Purchase of Private Property

DBS Home Loan for Refinancing of Private Property

DBS Home Loan for Purchase of HDB Flat

DBS Home Loan for Refinancing of HDB Flat

Do note that the rates below are indicative. For the best home loans specific to you, please contact us or use the Finko home loan comparison.

Home Loan for Purchase of Private Property
Minimum mortgage of $100,000
Year 1	Board 2.65%
Year 2	Board 2.65%
Year 3	Board 2.65%
Thereafter	Board 2.65%
Lock-in period	-
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95% Waiver of lock-in penalty if property is sold
Year 1	Board 2.35%
Year 2	Board 2.35%
Year 3	Board 2.35%
Thereafter	Board 2.35%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95% Waiver of lock-in penalty if property is sold
Minimum mortgage of $300,000
Year 1	1.89% (Fixed)
Year 2	1.89% (Fixed)
Year 3	Board 1.98%
Thereafter	Board 1.98%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Minimum mortgage of $500,000
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	-
Remarks	Rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	Board 2.08%
Year 2	Board 2.08%
Year 3	Board 2.08%
Thereafter	Board 2.08%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	1.89% (Fixed)
Year 2	2.18% (Fixed)
Year 3	2.18% (Fixed)
Thereafter	Board 2.18%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank in year 2 or 3 After Fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%

Home Loan for Refinancing of Private Property
Minimum mortgage of $100,000
Year 1	Board 2.65%
Year 2	Board 2.65%
Year 3	Board 2.65%
Thereafter	Board 2.65%
Lock-in period	-
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95% Waiver of lock-in penalty if property is sold
Year 1	Board 2.35%
Year 2	Board 2.35%
Year 3	Board 2.35%
Thereafter	Board 2.35%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95% Waiver of lock-in penalty if property is sold
Minimum mortgage of $300,000
Year 1	1.89% (Fixed)
Year 2	1.89% (Fixed)
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 when fixed rate ends After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Minimum mortgage of $500,000
Year 1	Board 2.08%
Year 2	Board 2.08%
Year 3	Board 2.08%
Thereafter	Board 2.08%
Lock-in period	1 year
Subsidy / Incentive	$2,000
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95%
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%
Year 1	2.08% (Fixed)
Year 2	2.08% (Fixed)
Year 3	Board 2.08%
Thereafter	Board 2.08%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Waiver of lock-in penalty if property is sold After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	1.89% (Fixed)
Year 2	2.18% (Fixed)
Year 3	2.18% (Fixed)
Thereafter	Board 2.18%
Lock-in period	3 years
Subsidy / Incentive	$1,800
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank in year 2 or 3 After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Minimum mortgage of $1,000,000
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%
Year 1	1.98% (Fixed)
Year 2	1.98% (Fixed)
Year 3	Board 1.98%
Thereafter	Board 1.98%
Lock-in period	2 years
Subsidy / Incentive	$2,800
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank in year 2 After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	1.89% (Fixed)
Year 2	2.18% (Fixed)
Year 3	2.18% (Fixed)
Thereafter	Board 2.18%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank in year 2 or 3 After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	1.89% (Fixed)
Year 2	1.89% (Fixed)
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 when fixed rate ends After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Minimum mortgage of $1,500,000
Year 1	1.89% (Fixed)
Year 2	1.89% (Fixed)
Year 3	Board 1.98%
Thereafter	Board 1.98%
Lock-in period	2 years
Subsidy / Incentive	$2,800
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Minimum mortgage of $3,000,000
Year 1	Board 1.98%
Year 2	Board 1.98%
Year 3	Board 1.98%
Thereafter	Board 2.08%
Lock-in period	2 years
Subsidy / Incentive	$2,800
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank during Year 2 Rate pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	1.89% (Fixed)
Year 2	2.18% (Fixed)
Year 3	2.18% (Fixed)
Thereafter	Board 2.18%
Lock-in period	3 years
Subsidy / Incentive	$3,000
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank in year 2 or 3 After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	2.68% (Fixed)
Year 2	2.68% (Fixed)
Year 3	Board 2.68%
Thereafter	Board 2.68%
Lock-in period	2 years
Subsidy / Incentive	$3,000
Remarks	After Fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95% Waiver of lock-in penalty if property is sold

Home Loan for Purchase of HDB Flat
Minimum mortgage of $100,000
Year 1	Board 2.65%
Year 2	Board 2.65%
Year 3	Board 2.65%
Thereafter	Board 2.65%
Lock-in period	-
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95% Waiver of lock-in penalty if property is sold
Year 1	Board 2.35%
Year 2	Board 2.35%
Year 3	Board 2.35%
Thereafter	Board 2.35%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95% Waiver of lock-in penalty if property is sold
Year 1	2.20% (Fixed)
Year 2	2.20% (Fixed)
Year 3	2.20% (Fixed)
Thereafter	Board 2.20%
Lock-in period	5 years
Subsidy / Incentive	-
Remarks	Waiver of lock-in penalty if property is sold After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Minimum mortgage of $200,000
Year 1	Board 2.08%
Year 2	Board 2.08%
Year 3	Board 2.08%
Thereafter	Board 2.08%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95% Waiver of lock-in penalty if property is sold
Year 1	2.00% (Fixed)
Year 2	2.00% (Fixed)
Year 3	2.00% (Fixed)
Thereafter	Board 2.00%
Lock-in period	5 years
Subsidy / Incentive	-
Remarks	Waiver of lock-in penalty if property is sold After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95% Partial payment allowed during lock-in without penalty
Minimum mortgage of $300,000
Year 1	1.89% (Fixed)
Year 2	1.89% (Fixed)
Year 3	Board 1.98%
Thereafter	Board 1.98%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Minimum mortgage of $500,000
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	-
Remarks	Rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	Board 2.08%
Year 2	Board 2.08%
Year 3	Board 2.08%
Thereafter	Board 2.08%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	1.89% (Fixed)
Year 2	2.18% (Fixed)
Year 3	2.18% (Fixed)
Thereafter	Board 2.18%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank in year 2 or 3 After Fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%

Home Loan for Refinancing of HDB Flat
Minimum mortgage of $100,000
Year 1	Board 2.65%
Year 2	Board 2.65%
Year 3	Board 2.65%
Thereafter	Board 2.65%
Lock-in period	-
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95% Waiver of lock-in penalty if property is sold
Year 1	Board 2.35%
Year 2	Board 2.35%
Year 3	Board 2.35%
Thereafter	Board 2.35%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95% Waiver of lock-in penalty if property is sold
Minimum mortgage of $200,000
Year 1	Board 2.08%
Year 2	Board 2.08%
Year 3	Board 2.08%
Thereafter	Board 2.08%
Lock-in period	2 years
Subsidy / Incentive	$1,800
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95% Waiver of lock-in penalty if property is sold
Year 1	2.20% (Fixed)
Year 2	2.20% (Fixed)
Year 3	2.20% (Fixed)
Thereafter	Board 2.20%
Lock-in period	5 years
Subsidy / Incentive	$2,000
Remarks	Waiver of lock-in penalty if property is sold After Fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	2.00% (Fixed)
Year 2	2.00% (Fixed)
Year 3	2.00% (Fixed)
Thereafter	Board 2.00%
Lock-in period	5 years
Subsidy / Incentive	$2,000
Remarks	Waiver of lock-in penalty if property is sold After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95% Partial payment allowed during lock-in without penalty
Minimum mortgage of $300,000
Year 1	1.89% (Fixed)
Year 2	1.89% (Fixed)
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 when fixed rate ends After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Minimum mortgage of $500,000
Year 1	Board 2.08%
Year 2	Board 2.08%
Year 3	Board 2.08%
Thereafter	Board 2.08%
Lock-in period	1 year
Subsidy / Incentive	$2,000
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 0.95%
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%
Year 1	2.08% (Fixed)
Year 2	2.08% (Fixed)
Year 3	Board 2.08%
Thereafter	Board 2.08%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Waiver of lock-in penalty if property is sold After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	1.89% (Fixed)
Year 2	2.18% (Fixed)
Year 3	2.18% (Fixed)
Thereafter	Board 2.18%
Lock-in period	3 years
Subsidy / Incentive	$1,800
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank in year 2 or 3 After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Minimum mortgage of $1,000,000
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%
Year 1	1.89% (Fixed)
Year 2	2.18% (Fixed)
Year 3	2.18% (Fixed)
Thereafter	Board 2.18%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank in year 2 or 3 After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Year 1	1.89% (Fixed)
Year 2	1.89% (Fixed)
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 when fixed rate ends After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%
Minimum mortgage of $1,500,000
Year 1	1.89% (Fixed)
Year 2	1.89% (Fixed)
Year 3	Board 1.98%
Thereafter	Board 1.98%
Lock-in period	2 years
Subsidy / Incentive	$2,800
Remarks	Waiver of lock-in penalty if property is sold Free switching to another loan package within the bank when fixed rate ends After fixed rate period, rate is pegged to fixed deposit rate (FD), FD is currently at 0.95%