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UOB Home Loans

UOB Home Loan for Purchase of Private Property

UOB Home Loan for Refinancing of Private Property

UOB Home Loan for Purchase of HDB Flat

UOB 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 1.65%
Year 2 Board 1.65%
Year 3 Board 1.65%
Thereafter Board 1.65%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • No prepayment penalty if remaining loan is at least $200K after prepayment
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank if board rate increases during lock-in period
Year 1 3M SIBOR + 0.50%
Year 2 3M SIBOR + 0.50%
Year 3 3M SIBOR + 0.50%
Thereafter 3M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package after 24 months
Year 1 1.75% (Fixed)
Year 2 1.75% (Fixed)
Year 3 Board 1.75%
Thereafter Board 1.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 1.78%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 24 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year
Minimum mortgage of $800,000
Year 1 1.72% (Fixed)
Year 2 1.72% (Fixed)
Year 3 Board 1.75%
Thereafter Board 1.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year
Minimum mortgage of $2,000,000
Year 1 1.70% (Fixed)
Year 2 1.70% (Fixed)
Year 3 Board 1.75%
Thereafter Board 1.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year

Home Loan for Refinancing of Private Property
Minimum mortgage of $100,000
Year 1 Board 1.65%
Year 2 Board 1.65%
Year 3 Board 1.65%
Thereafter Board 1.65%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • No prepayment penalty if remaining loan is at least $200K after prepayment
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank if board rate increases during lock-in period
Year 1 3M SIBOR + 0.50%
Year 2 3M SIBOR + 0.50%
Year 3 3M SIBOR + 0.50%
Thereafter 3M SIBOR + 0.50%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package after 24 months
Year 1 1.75% (Fixed)
Year 2 1.75% (Fixed)
Year 3 Board 1.75%
Thereafter Board 1.75%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 1.78%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Free switching to another loan package after 24 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year
Minimum mortgage of $800,000
Year 1 1.70% (Fixed)
Year 2 1.70% (Fixed)
Year 3 Board 1.75%
Thereafter Board 1.75%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year
Minimum mortgage of $2,000,000
Year 1 1.70% (Fixed)
Year 2 1.70% (Fixed)
Year 3 Board 1.75%
Thereafter Board 1.75%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year

Home Loan for Purchase of HDB Flat
No minimum mortgage requirement
Year 1 3M SIBOR + 0.63%
Year 2 3M SIBOR + 0.63%
Year 3 3M SIBOR + 0.63%
Thereafter 3M SIBOR + 0.63%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package after 24 months
Minimum mortgage of $100,000
Year 1 1.75% (Fixed)
Year 2 1.75% (Fixed)
Year 3 Board 1.75%
Thereafter Board 1.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 1.78%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 24 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year
Minimum mortgage of $800,000
Year 1 1.72% (Fixed)
Year 2 1.72% (Fixed)
Year 3 Board 1.75%
Thereafter Board 1.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year
Minimum mortgage of $2,000,000
Year 1 1.70% (Fixed)
Year 2 1.70% (Fixed)
Year 3 Board 1.75%
Thereafter Board 1.75%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year

Home Loan for Refinancing of HDB Flat
No minimum mortgage requirement
Year 1 Board 1.65%
Year 2 Board 1.65%
Year 3 Board 1.65%
Thereafter Board 1.65%
Lock-in period 2 years
Subsidy / Incentive$1650
Remarks
  • No prepayment penalty if remaining loan is at least $200K after prepayment
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank if board rate increases during lock-in period
Year 1 3M SIBOR + 0.63%
Year 2 3M SIBOR + 0.63%
Year 3 3M SIBOR + 0.63%
Thereafter 3M SIBOR + 0.63%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package after 24 months
Minimum mortgage of $100,000
Year 1 1.75% (Fixed)
Year 2 1.75% (Fixed)
Year 3 Board 1.75%
Thereafter Board 1.75%
Lock-in period 2 years
Subsidy / Incentive$1,650
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year
Year 1 1.78% (Fixed)
Year 2 1.78% (Fixed)
Year 3 1.78% (Fixed)
Thereafter Board 1.78%
Lock-in period 3 years
Subsidy / Incentive$1650
Remarks
  • Free switching to another loan package after 24 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year
Minimum mortgage of $800,000
Year 1 1.72% (Fixed)
Year 2 1.72% (Fixed)
Year 3 Board 1.75%
Thereafter Board 1.75%
Lock-in period 2 years
Subsidy / Incentive$1,650
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
  • Prepayment up to 10% on original loan amount once per year

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