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OCBC Home Loans

OCBC Home Loan for Purchase of Private Property

OCBC Home Loan for Refinancing of Private Property

OCBC Home Loan for Purchase of HDB Flat

OCBC 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 3M SIBOR + 0.35%
Year 2 3M SIBOR + 0.45%
Year 3 3M SIBOR + 0.50%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Prepay up to 50% of loan amount without penalty
  • Not required to purchase fire insurance for condominium
Minimum mortgage of $200,000
Year 1 Board 2.50%
Year 2 Board 2.50%
Year 3 Board 2.50%
Thereafter Board 2.70%
Lock-in period -
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank if rate increases
  • Not required to purchase fire insurance for condominium
Year 1 Board 2.35%
Year 2 Board 2.40%
Year 3 Board 2.40%
Thereafter Board 2.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank if rate increases
  • Prepay up to 50% of loan amount without penalty
  • Not required to purchase fire insurance for condominium
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-
Remarks
  • Not required to purchase fire insurance for condominium
Year 1 2.88% (Fixed)
Year 2 2.88% (Fixed)
Year 3 2.88% (Fixed)
Thereafter Board 2.88%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominium
Minimum mortgage of $500,000
Year 1 3M SIBOR + 0.20%
Year 2 3M SIBOR + 0.25%
Year 3 3M SIBOR + 0.35%
Thereafter 3M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank after the lock-in period
  • Not required to purchase fire insurance for condominium
  • No penalty for prepayment of up to 50% of loan amount
Year 1 1.98% (Fixed)
Year 2 2.08% (Fixed)
Year 3 3M SIBOR + 0.35%
Thereafter 3M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Minimum mortgage of $800,000
Year 1 1.84% (Fixed)
Year 2 1.84% (Fixed)
Year 3 3M SIBOR + 0.35%
Thereafter 3M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks

Home Loan for Refinancing of Private Property
Minimum mortgage of $200,000
Year 1 Board 2.50%
Year 2 Board 2.50%
Year 3 Board 2.50%
Thereafter Board 2.70%
Lock-in period -
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank if rate increases
  • Not required to purchase fire insurance for condominium
Year 1 Board 2.35%
Year 2 Board 2.40%
Year 3 Board 2.40%
Thereafter Board 2.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank if rate increases
  • Prepay up to 50% of loan amount without penalty
  • Not required to purchase fire insurance for condominium
Minimum mortgage of $500,000
Year 1 Board 2.35%
Year 2 Board 2.40%
Year 3 Board 2.40%
Thereafter Board 2.50%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Free switching to another loan package within the bank if rate increases
  • Prepay up to 50% of loan amount without penalty
  • Not required to purchase fire insurance for condominium
Year 1 Board 2.50%
Year 2 Board 2.50%
Year 3 Board 2.50%
Thereafter Board 2.70%
Lock-in period -
Subsidy / Incentive$2,000
Remarks
  • Free switching to another loan package within the bank if rate increases
  • Not required to purchase fire insurance for condominium
Year 1 3M SIBOR + 0.35%
Year 2 3M SIBOR + 0.45%
Year 3 3M SIBOR + 0.50%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Free switching to a 6M SIBOR package within the bank, followed by another free switching to any loan package within the bank
  • Prepay up to 50% of loan amount without penalty
  • Not required to purchase fire insurance for condominium
Year 1 3M SIBOR + 0.20%
Year 2 3M SIBOR + 0.25%
Year 3 3M SIBOR + 0.35%
Thereafter 3M SIBOR + 0.50%
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 condominium
  • No penalty for prepayment of up to 50% of loan amount
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$2,000
Remarks
  • Not required to purchase fire insurance for condominium
Year 1 2.38% (Fixed)
Year 2 2.38% (Fixed)
Year 3 Board 2.68%
Thereafter Board 2.68%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Not required to purchase fire insurance for condominiums
Year 1 1.98% (Fixed)
Year 2 2.08% (Fixed)
Year 3 3M SIBOR + 0.35%
Thereafter 3M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
Year 1 2.88% (Fixed)
Year 2 2.88% (Fixed)
Year 3 2.88% (Fixed)
Thereafter Board 2.88%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Not required to purchase fire insurance for condominium
Minimum mortgage of $800,000
Year 1 1.84% (Fixed)
Year 2 1.84% (Fixed)
Year 3 3M SIBOR + 0.35%
Thereafter 3M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks

Home Loan for Purchase of HDB Flat
Minimum mortgage of $100,000
Year 1 Board 2.50%
Year 2 Board 2.50%
Year 3 Board 2.50%
Thereafter Board 2.70%
Lock-in period -
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank if rate increases
Year 1 Board 2.35%
Year 2 Board 2.40%
Year 3 Board 2.40%
Thereafter Board 2.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank if rate increases
  • Prepay up to 50% of loan amount without penalty
Year 1 3M SIBOR + 0.30%
Year 2 3M SIBOR + 0.40%
Year 3 3M SIBOR + 0.50%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Prepay up to 50% of loan amount without penalty
Year 1 3M SIBOR + 0.35%
Year 2 3M SIBOR + 0.45%
Year 3 3M SIBOR + 0.50%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Prepay up to 50% of loan amount without penalty
  • Not required to purchase fire insurance for condominium
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-
Remarks
  • Not required to purchase fire insurance for condominium
Year 1 2.88% (Fixed)
Year 2 2.88% (Fixed)
Year 3 2.88% (Fixed)
Thereafter Board 2.88%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominium
Year 1 1.98% (Fixed)
Year 2 2.08% (Fixed)
Year 3 3M SIBOR + 0.35%
Thereafter 3M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
Minimum mortgage of $300,000
Year 1 3M SIBOR + 0.20%
Year 2 3M SIBOR + 0.25%
Year 3 3M SIBOR + 0.35%
Thereafter 3M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank after the lock-in period
  • No penalty for prepayment of up to 50% of loan amount

Home Loan for Refinancing of HDB Flat
Minimum mortgage of $100,000
Year 1 Board 2.50%
Year 2 Board 2.50%
Year 3 Board 2.50%
Thereafter Board 2.70%
Lock-in period -
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank if rate increases
Year 1 Board 2.35%
Year 2 Board 2.40%
Year 3 Board 2.40%
Thereafter Board 2.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package within the bank if rate increases
  • Prepay up to 50% of loan amount without penalty
Minimum mortgage of $300,000
Year 1 Board 2.35%
Year 2 Board 2.40%
Year 3 Board 2.40%
Thereafter Board 2.50%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • Free switching to another loan package within the bank if rate increases
  • Prepay up to 50% of loan amount without penalty
Year 1 Board 2.50%
Year 2 Board 2.50%
Year 3 Board 2.50%
Thereafter Board 2.70%
Lock-in period -
Subsidy / Incentive$1,800
Remarks
  • Free switching to another loan package within the bank if rate increases
Year 1 3M SIBOR + 0.35%
Year 2 3M SIBOR + 0.45%
Year 3 3M SIBOR + 0.50%
Thereafter 3M SIBOR + 0.60%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • Free switching to a 6M SIBOR package within the bank, followed by another free switching to any loan package within the bank
  • Prepay up to 50% of loan amount without penalty
Year 1 3M SIBOR + 0.20%
Year 2 3M SIBOR + 0.25%
Year 3 3M SIBOR + 0.35%
Thereafter 3M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • Free switching to another loan package within the bank after the lock-in period
  • No penalty for prepayment of up to 50% of loan amount
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$1800
Remarks
Year 1 2.88% (Fixed)
Year 2 2.88% (Fixed)
Year 3 2.88% (Fixed)
Thereafter Board 2.88%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
Year 1 2.38% (Fixed)
Year 2 2.38% (Fixed)
Year 3 Board 2.48%
Thereafter Board 2.68%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
Year 1 1.98% (Fixed)
Year 2 2.08% (Fixed)
Year 3 3M SIBOR + 0.35%
Thereafter 3M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks

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