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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 2.08%
Year 2 Board 2.08%
Year 3 Board 2.08%
Thereafter Board 2.08%
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 2.28% (Fixed)
Year 2 2.35% (Fixed)
Year 3 Board 2.35%
Thereafter Board 2.35%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Prepay up to 20% of loan without penalty
  • Free switching to another loan package after Year 1
Year 1 2.18% (Fixed)
Year 2 2.18% (Fixed)
Year 3 Board 2.18%
Thereafter Board 2.18%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank after lock-in period
Year 1 1.89% (Fixed)
Year 2 2.18% (Fixed)
Year 3 2.18% (Fixed)
Thereafter Board 2.18%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
Minimum mortgage of $200,000
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
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank after lock-in period

Home Loan for Refinancing of Private Property
Minimum mortgage of $100,000
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 / 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 2.28% (Fixed)
Year 2 2.35% (Fixed)
Year 3 Board 2.35%
Thereafter Board 2.35%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,800)
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Prepay up to 20% of loan without penalty
  • Free switching to another loan package after Year 1
Year 1 2.18% (Fixed)
Year 2 2.18% (Fixed)
Year 3 Board 2.18%
Thereafter Board 2.18%
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 within the bank after lock-in period
Year 1 1.89% (Fixed)
Year 2 2.18% (Fixed)
Year 3 2.18% (Fixed)
Thereafter Board 2.18%
Lock-in period 3 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
Minimum mortgage of $200,000
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 / Incentive0.4% (max $1,800)
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank after lock-in period

Home Loan for Purchase of HDB Flat
Minimum mortgage of $80,000
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
  • No prepayment penalty if remaining loan is at least $80K 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 2.28% (Fixed)
Year 2 2.35% (Fixed)
Year 3 Board 2.35%
Thereafter Board 2.35%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Prepay up to 20% of loan without penalty
  • Free switching to another loan package after Year 1
Year 1 2.18% (Fixed)
Year 2 2.18% (Fixed)
Year 3 Board 2.18%
Thereafter Board 2.18%
Lock-in period 2 years
Subsidy / Incentive-
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank after lock-in period
Year 1 1.89% (Fixed)
Year 2 2.18% (Fixed)
Year 3 2.18% (Fixed)
Thereafter Board 2.18%
Lock-in period 3 years
Subsidy / Incentive-
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold

Home Loan for Refinancing of HDB Flat
Minimum mortgage of $80,000
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 / Incentive0.4% (max $1,500)
Remarks
  • No prepayment penalty if remaining loan is at least $80K 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 1.89% (Fixed)
Year 2 2.18% (Fixed)
Year 3 2.18% (Fixed)
Thereafter Board 2.18%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,500)
Remarks
  • Free switching to another loan package after 12 months
  • Waiver of lock-in penalty if property is sold
Year 1 2.18% (Fixed)
Year 2 2.18% (Fixed)
Year 3 Board 2.18%
Thereafter Board 2.18%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,500)
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank after lock-in period
Year 1 2.28% (Fixed)
Year 2 2.35% (Fixed)
Year 3 Board 2.35%
Thereafter Board 2.35%
Lock-in period 2 years
Subsidy / Incentive0.4% (max $1,500)
Remarks
  • Prepay up to 20% of loan without penalty
  • Free switching to another loan package after Year 1
Year 1 1.89% (Fixed)
Year 2 2.18% (Fixed)
Year 3 2.18% (Fixed)
Thereafter Board 2.18%
Lock-in period 3 years
Subsidy / Incentive0.4% (max $1,500)
Remarks
Minimum mortgage of $300,000
Year 1 2.28% (Fixed)
Year 2 2.35% (Fixed)
Year 3 Board 2.35%
Thereafter Board 2.35%
Lock-in period 2 years
Subsidy / Incentive$1,650
Remarks
  • Prepay up to 20% of loan without penalty
  • Free switching to another loan package after Year 1
Year 1 2.35% (Fixed)
Year 2 2.40% (Fixed)
Year 3 2.45% (Fixed)
Thereafter Board 2.45%
Lock-in period 3 years
Subsidy / Incentive$1,650
Remarks
  • Prepay up to 20% of loan without penalty
  • Free switching to another loan package after Year 1
Year 1 1.98% (Fixed)
Year 2 2.18% (Fixed)
Year 3 2.18% (Fixed)
Thereafter Board 2.18%
Lock-in period 3 years
Subsidy / Incentive$1,650
Remarks
Year 1 2.18% (Fixed)
Year 2 2.18% (Fixed)
Year 3 Board 2.18%
Thereafter Board 2.18%
Lock-in period 2 years
Subsidy / Incentive$1,650
Remarks
  • 50% waiver of lock-in penalty if property is sold
  • Free switching to another loan package within the bank after lock-in period

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