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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 1.35%
Year 2 Board 1.35%
Year 3 Board 1.35%
Thereafter Board 1.45%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • 1x free switching to another loan package within the bank
  • Waiver of lock-in penalty if property is sold
  • Rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Year 1 Board 1.35%
Year 2 Board 1.35%
Year 3 Board 1.45%
Thereafter Board 1.45%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • 1x free switching to another loan package within the bank
  • Waiver of lock-in penalty if property is sold
  • Rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $300,000
Year 1 1.65% (Fixed)
Year 2 1.65% (Fixed)
Year 3 Board 1.85%
Thereafter 3M SORA + 1.60%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 24 months
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 0.2511%
Year 1 1.85% (Fixed)
Year 2 1.85% (Fixed)
Year 3 1.85% (Fixed)
Thereafter 3M SORA + 1.80%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank when fixed rate ends
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 0.2511%
Minimum mortgage of $800,000
Year 1 Board 1.05%
Year 2 Board 1.05%
Year 3 Board 1.05%
Thereafter 3M Sora + 1.00%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • 1x free switching to another loan package within the bank
  • Rate is pegged to 3M Sora
  • 3M Sora is currently at 0.2511%

Home Loan for Refinancing of Private Property
No minimum mortgage requirement
Year 1 1.65% (Fixed)
Year 2 1.65% (Fixed)
Year 3 Board 1.85%
Thereafter 3M SORA + 1.60%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • Free switching to another loan package after 24 months
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 0.2511%
Minimum mortgage of $100,000
Year 1 Board 1.35%
Year 2 Board 1.35%
Year 3 Board 1.35%
Thereafter Board 1.45%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • 1x free switching to another loan package within the bank
  • Waiver of lock-in penalty if property is sold
  • Rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Year 1 Board 1.35%
Year 2 Board 1.35%
Year 3 Board 1.45%
Thereafter Board 1.45%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • 1x free switching to another loan package within the bank
  • Waiver of lock-in penalty if property is sold
  • Rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $300,000
Year 1 1.65% (Fixed)
Year 2 1.65% (Fixed)
Year 3 Board 1.85%
Thereafter 3M SORA + 1.60%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Free switching to another loan package after 24 months
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 0.2511%
Year 1 1.85% (Fixed)
Year 2 1.85% (Fixed)
Year 3 1.85% (Fixed)
Thereafter 3M SORA + 1.80%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • Free switching to another loan package within the bank when fixed rate ends
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 0.2511%

Home Loan for Purchase of HDB Flat
Minimum mortgage of $100,000
Year 1 Board 1.35%
Year 2 Board 1.35%
Year 3 Board 1.35%
Thereafter Board 1.45%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • 1x free switching to another loan package within the bank
  • Waiver of lock-in penalty if property is sold
  • Rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Year 1 Board 1.35%
Year 2 Board 1.35%
Year 3 Board 1.45%
Thereafter Board 1.45%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • 1x free switching to another loan package within the bank
  • Waiver of lock-in penalty if property is sold
  • Rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $200,000
Year 1 1.50% (Fixed)
Year 2 1.50% (Fixed)
Year 3 1.50% (Fixed)
Thereafter Board 1.80%
Lock-in period 5 years
Subsidy / Incentive-
Remarks
  • Mandatory purchase of Mortgage Reducing Term Insurance
  • Waiver of lock-in penalty if property is sold
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $300,000
Year 1 1.65% (Fixed)
Year 2 1.65% (Fixed)
Year 3 Board 1.85%
Thereafter 3M SORA + 1.60%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 24 months
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 0.2511%
Year 1 1.85% (Fixed)
Year 2 1.85% (Fixed)
Year 3 1.85% (Fixed)
Thereafter 3M SORA + 1.80%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank when fixed rate ends
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 0.2511%
Minimum mortgage of $800,000
Year 1 Board 1.05%
Year 2 Board 1.05%
Year 3 Board 1.05%
Thereafter 3M Sora + 1.00%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • 1x free switching to another loan package within the bank
  • Rate is pegged to 3M Sora
  • 3M Sora is currently at 0.2511%

Home Loan for Refinancing of HDB Flat
Minimum mortgage of $100,000
Year 1 Board 1.35%
Year 2 Board 1.35%
Year 3 Board 1.45%
Thereafter Board 1.45%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • 1x free switching to another loan package within the bank
  • Waiver of lock-in penalty if property is sold
  • Rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Year 1 Board 1.35%
Year 2 Board 1.35%
Year 3 Board 1.35%
Thereafter Board 1.45%
Lock-in period 3 years
Subsidy / Incentive$1,800
Remarks
  • 1x free switching to another loan package within the bank
  • Waiver of lock-in penalty if property is sold
  • Rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $200,000
Year 1 1.50% (Fixed)
Year 2 1.50% (Fixed)
Year 3 1.50% (Fixed)
Thereafter Board 1.80%
Lock-in period 5 years
Subsidy / Incentive$1,800
Remarks
  • Mandatory purchase of Mortgage Reducing Term Insurance
  • Waiver of lock-in penalty if property is sold
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $300,000
Year 1 1.85% (Fixed)
Year 2 1.85% (Fixed)
Year 3 1.85% (Fixed)
Thereafter 3M SORA + 1.80%
Lock-in period 3 years
Subsidy / Incentive$1,800
Remarks
  • Free switching to another loan package within the bank when fixed rate ends
  • After fixed rate period, rate is pegged to 3M Sora, 3M Sora is currently at 0.2511%

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