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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 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 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 1.60%
Year 2 Board 1.65%
Year 3 Board 1.80%
Thereafter Board 1.80%
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 during Year 2
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 Board 1.80%
Year 2 Board 1.80%
Year 3 Board 1.80%
Thereafter Board 1.80%
Lock-in period -
Subsidy / Incentive-
Remarks
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 1.68% (Fixed)
Year 2 1.68% (Fixed)
Year 3 1.68% (Fixed)
Thereafter Board 1.80%
Lock-in period 5 years
Subsidy / Incentive-
Remarks
  • Waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank after 30 months from 1st disbursement date
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Year 1 1.40% (Fixed)
Year 2 1.40% (Fixed)
Year 3 1.40% (Fixed)
Thereafter Board 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 fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
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 1.15% (Fixed)
Year 2 1.15% (Fixed)
Year 3 Board 1.50%
Thereafter Board 1.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $800,000
Year 1 Board 0.90%
Year 2 Board 0.90%
Year 3 Board 0.90%
Thereafter 3M Sora + 1.00%
Lock-in period -
Subsidy / Incentive-
Remarks
  • Rate pegged to 3M Sora
  • 3M Sora at 0.1492%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.10% (Fixed)
Year 2 1.10% (Fixed)
Year 3 Board 1.50%
Thereafter Board 1.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $1,200,000
Year 1 1.18% (Fixed)
Year 2 1.18% (Fixed)
Year 3 1.18% (Fixed)
Thereafter Board 1.50%
Lock-in period 3 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 0.90%

Home Loan for Refinancing of Private Property
Minimum mortgage of $100,000
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 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 1.60%
Year 2 Board 1.65%
Year 3 Board 1.80%
Thereafter Board 1.80%
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 during Year 2
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 Board 1.80%
Year 2 Board 1.80%
Year 3 Board 1.80%
Thereafter Board 1.80%
Lock-in period -
Subsidy / Incentive-
Remarks
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 1.68% (Fixed)
Year 2 1.68% (Fixed)
Year 3 1.68% (Fixed)
Thereafter Board 1.80%
Lock-in period 5 years
Subsidy / Incentive$2,000
Remarks
  • Waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank after 30 months from 1st disbursement date
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Year 1 1.40% (Fixed)
Year 2 1.40% (Fixed)
Year 3 1.40% (Fixed)
Thereafter Board 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 fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
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 Board 1.60%
Year 2 Board 1.65%
Year 3 Board 1.80%
Thereafter Board 1.80%
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
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 Board 1.80%
Year 2 Board 1.80%
Year 3 Board 1.80%
Thereafter Board 1.80%
Lock-in period -
Subsidy / Incentive$2,000
Remarks
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 1.15% (Fixed)
Year 2 1.15% (Fixed)
Year 3 Board 1.50%
Thereafter Board 1.50%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $800,000
Year 1 Board 0.90%
Year 2 Board 0.90%
Year 3 Board 0.90%
Thereafter 3M Sora + 1.00%
Lock-in period -
Subsidy / Incentive$2,000
Remarks
  • Rate pegged to 3M Sora
  • 3M Sora at 0.1492%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.10% (Fixed)
Year 2 1.10% (Fixed)
Year 3 Board 1.50%
Thereafter Board 1.50%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
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 Board 1.60%
Year 2 Board 1.65%
Year 3 Board 1.80%
Thereafter Board 1.80%
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
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 Board 1.80%
Year 2 Board 1.80%
Year 3 Board 1.80%
Thereafter Board 1.80%
Lock-in period -
Subsidy / Incentive$2,500
Remarks
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Minimum mortgage of $1,200,000
Year 1 1.18% (Fixed)
Year 2 1.18% (Fixed)
Year 3 1.18% (Fixed)
Thereafter Board 1.50%
Lock-in period 3 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 0.90%
Minimum mortgage of $1,500,000
Year 1 Board 1.60%
Year 2 Board 1.65%
Year 3 Board 1.80%
Thereafter Board 1.80%
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 is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 Board 1.80%
Year 2 Board 1.80%
Year 3 Board 1.80%
Thereafter Board 1.80%
Lock-in period -
Subsidy / Incentive$2,800
Remarks
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
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%

Home Loan for Purchase of HDB Flat
Minimum mortgage of $100,000
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 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 1.60%
Year 2 Board 1.65%
Year 3 Board 1.80%
Thereafter Board 1.80%
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 during Year 2
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 Board 1.80%
Year 2 Board 1.80%
Year 3 Board 1.80%
Thereafter Board 1.80%
Lock-in period -
Subsidy / Incentive-
Remarks
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 1.68% (Fixed)
Year 2 1.68% (Fixed)
Year 3 1.68% (Fixed)
Thereafter Board 1.80%
Lock-in period 5 years
Subsidy / Incentive-
Remarks
  • Waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank after 30 months from 1st disbursement date
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Year 1 1.40% (Fixed)
Year 2 1.40% (Fixed)
Year 3 1.40% (Fixed)
Thereafter Board 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 fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
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 1.40% (Fixed)
Year 2 1.40% (Fixed)
Year 3 1.40% (Fixed)
Thereafter Board 1.80%
Lock-in period 5 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 fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
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 1.15% (Fixed)
Year 2 1.15% (Fixed)
Year 3 Board 1.50%
Thereafter Board 1.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $800,000
Year 1 Board 0.90%
Year 2 Board 0.90%
Year 3 Board 0.90%
Thereafter 3M Sora + 1.00%
Lock-in period -
Subsidy / Incentive-
Remarks
  • Rate pegged to 3M Sora
  • 3M Sora at 0.1492%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.10% (Fixed)
Year 2 1.10% (Fixed)
Year 3 Board 1.50%
Thereafter Board 1.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%

Home Loan for Refinancing of HDB Flat
Minimum mortgage of $100,000
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 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 1.60%
Year 2 Board 1.65%
Year 3 Board 1.80%
Thereafter Board 1.80%
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 during Year 2
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 Board 1.80%
Year 2 Board 1.80%
Year 3 Board 1.80%
Thereafter Board 1.80%
Lock-in period -
Subsidy / Incentive-
Remarks
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 1.40% (Fixed)
Year 2 1.40% (Fixed)
Year 3 1.40% (Fixed)
Thereafter Board 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 fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Year 1 1.68% (Fixed)
Year 2 1.68% (Fixed)
Year 3 1.68% (Fixed)
Thereafter Board 1.80%
Lock-in period 5 years
Subsidy / Incentive$1,800
Remarks
  • Waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank after 30 months from 1st disbursement date
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $200,000
Year 1 1.40% (Fixed)
Year 2 1.40% (Fixed)
Year 3 1.40% (Fixed)
Thereafter Board 1.80%
Lock-in period 5 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 fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $250,000
Year 1 Board 1.60%
Year 2 Board 1.65%
Year 3 Board 1.80%
Thereafter Board 1.80%
Lock-in period 2 years
Subsidy / Incentive$2000
Remarks
  • Waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank during Year 2
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Year 1 Board 1.80%
Year 2 Board 1.80%
Year 3 Board 1.80%
Thereafter Board 1.80%
Lock-in period -
Subsidy / Incentive$2000
Remarks
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
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$1,800
Remarks
  • Rate 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 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 1.15% (Fixed)
Year 2 1.15% (Fixed)
Year 3 Board 1.50%
Thereafter Board 1.50%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
Minimum mortgage of $800,000
Year 1 Board 0.90%
Year 2 Board 0.90%
Year 3 Board 0.90%
Thereafter 3M Sora + 1.00%
Lock-in period -
Subsidy / Incentive$1,800
Remarks
  • Rate pegged to 3M Sora
  • 3M Sora at 0.1492%
Interest Offset Ratio: 50%
Interest Offset Limit: 50%
Year 1 1.10% (Fixed)
Year 2 1.10% (Fixed)
Year 3 Board 1.50%
Thereafter Board 1.50%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • After fixed rate period, rate is pegged to fixed deposit home rate 6 (FHR6), FHR6 is currently at 0.20%
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$1,800
Remarks
  • Waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank during Year 2
  • Rate is pegged to fixed deposit rate (FD), FD is currently at 0.90%
Minimum mortgage of $1,200,000
Year 1 1.18% (Fixed)
Year 2 1.18% (Fixed)
Year 3 1.18% (Fixed)
Thereafter Board 1.50%
Lock-in period 3 years
Subsidy / Incentive$1,800
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 0.90%

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