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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 $200,000
Year 1 Board 2.10%
Year 2 Board 2.10%
Year 3 Board 2.10%
Thereafter Board 2.20%
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 condominiums
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
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 condominiums
  • 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-
Remarks
  • Not required to purchase fire insurance for condominiums
Year 1 2.88% (Fixed)
Year 2 2.88% (Fixed)
Year 3 2.88% (Fixed)
Thereafter Board 2.88%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominiums
Minimum mortgage of $300,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
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 condominiums
  • No penalty for prepayment of up to 50% of loan amount
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 2.20%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominiums
Year 1 1.80% (Fixed)
Year 2 1.80% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominium
Minimum mortgage of $400,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
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 condominiums
  • No penalty for prepayment of up to 50% of loan amount
Minimum mortgage of $500,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
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
Minimum mortgage of $800,000
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 2.20%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominiums
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominium
Minimum mortgage of $2,000,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
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 condominiums
  • No penalty for prepayment of up to 50% of loan amount
Year 1 1.75% (Fixed)
Year 2 1.75% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominiums

Home Loan for Refinancing of Private Property
Minimum mortgage of $200,000
Year 1 Board 2.10%
Year 2 Board 2.10%
Year 3 Board 2.10%
Thereafter Board 2.20%
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 condominiums
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 condominiums
Year 1 2.88% (Fixed)
Year 2 2.88% (Fixed)
Year 3 2.88% (Fixed)
Thereafter Board 2.88%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominiums
Minimum mortgage of $300,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
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 condominiums
  • No penalty for prepayment of up to 50% of loan amount
Year 1 1.80% (Fixed)
Year 2 1.80% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Not required to purchase fire insurance for condominiums
  • Legal Subsidy / Rebate subject to approval
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 2.20%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • Not required to purchase fire insurance for condominiums
  • Legal Subsidy / Rebate subject to approval
Minimum mortgage of $400,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • Free switching to another loan package within the bank after the lock-in period
  • Not required to purchase fire insurance for condominiums
  • No penalty for prepayment of up to 50% of loan amount
Minimum mortgage of $500,000
Year 1 Board 2.10%
Year 2 Board 2.10%
Year 3 Board 2.10%
Thereafter Board 2.20%
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 condominiums
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
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 condominiums
  • No penalty for prepayment of up to 50% of loan amount
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 2.20%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • Not required to purchase fire insurance for condominiums
Year 1 1.80% (Fixed)
Year 2 1.80% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
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 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 2.20%
Lock-in period 3 years
Subsidy / Incentive$2,000
Remarks
  • Not required to purchase fire insurance for condominiums
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive$2,000
Remarks
  • Not required to purchase fire insurance for condominiums
Minimum mortgage of $2,000,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive$2,500
Remarks
  • Free switching to another loan package within the bank after the lock-in period
  • Not required to purchase fire insurance for condominiums
  • No penalty for prepayment of up to 50% of loan amount
Year 1 1.75% (Fixed)
Year 2 1.75% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive$2,500
Remarks
  • Not required to purchase fire insurance for condominiums
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 2.20%
Lock-in period 3 years
Subsidy / Incentive$2,500
Remarks
  • Not required to purchase fire insurance for condominiums

Home Loan for Purchase of HDB Flat
Minimum mortgage of $100,000
Year 1 Board 2.10%
Year 2 Board 2.10%
Year 3 Board 2.10%
Thereafter Board 2.20%
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 + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
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 condominiums
  • 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-
Remarks
  • Not required to purchase fire insurance for condominiums
Year 1 2.88% (Fixed)
Year 2 2.88% (Fixed)
Year 3 2.88% (Fixed)
Thereafter Board 2.88%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominiums
Minimum mortgage of $200,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
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 condominiums
  • No penalty for prepayment of up to 50% of loan amount
Year 1 1.80% (Fixed)
Year 2 1.80% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominium
Minimum mortgage of $800,000
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 2.20%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominiums
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominium
Minimum mortgage of $2,000,000
Year 1 1.75% (Fixed)
Year 2 1.75% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominiums

Home Loan for Refinancing of HDB Flat
No minimum mortgage requirement
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive$1,600
Remarks
  • Free switching to another loan package within the bank after the lock-in period
  • Not required to purchase fire insurance for condominiums
  • No penalty for prepayment of up to 50% of loan amount
Minimum mortgage of $100,000
Year 1 Board 2.10%
Year 2 Board 2.10%
Year 3 Board 2.10%
Thereafter Board 2.20%
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 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 condominiums
Year 1 2.88% (Fixed)
Year 2 2.88% (Fixed)
Year 3 2.88% (Fixed)
Thereafter Board 2.88%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Not required to purchase fire insurance for condominiums
Minimum mortgage of $200,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
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 condominiums
  • No penalty for prepayment of up to 50% of loan amount
Minimum mortgage of $250,000
Year 1 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
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 condominiums
  • No penalty for prepayment of up to 50% of loan amount
Minimum mortgage of $300,000
Year 1 Board 2.10%
Year 2 Board 2.10%
Year 3 Board 2.10%
Thereafter Board 2.20%
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 3M SIBOR + 0.48%
Year 2 3M SIBOR + 0.52%
Year 3 3M SIBOR + 0.55%
Thereafter 3M SIBOR + 0.55%
Lock-in period 2 years
Subsidy / Incentive$1,600
Remarks
  • Free switching to another loan package within the bank after the lock-in period
  • Not required to purchase fire insurance for condominiums
  • No penalty for prepayment of up to 50% of loan amount
Year 1 1.80% (Fixed)
Year 2 1.80% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
Minimum mortgage of $800,000
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 2.20%
Lock-in period 3 years
Subsidy / Incentive$1,800
Remarks
  • Not required to purchase fire insurance for condominiums
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive$1,800
Remarks
  • Not required to purchase fire insurance for condominiums
Minimum mortgage of $2,000,000
Year 1 1.75% (Fixed)
Year 2 1.75% (Fixed)
Year 3 Board 2.00%
Thereafter Board 2.20%
Lock-in period 2 years
Subsidy / Incentive$2,500
Remarks
  • Not required to purchase fire insurance for condominiums

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