LOWEST HOME LOAN RATES IN FIRST 3 YEARS

Cut to the chase.  Here is the package(s) with the lowest rate at the moment.  To see which bank this is and why we recommend it click here.  Or to see all Top 10 Lowest Home Loan Rates for floating and fixed rate packages click here.

Updated as at 8-Mar-2019new purchase housing loannew purchase housing loannew purchase housing loannew purchase housing loannew purchase housing loannew purchase housing loan
Loan TypeOCBC Floating SIBORUOB Floating SIBORCITIBANK Floating SIBORHSBC Floating SIBORSCB Floating SIBORCIMB Floating SIBOR
Loan Peg3-month SIBOR1-Month SIBOR1-Month SIBOR1-Month SIBOR1-Month SIBOR1-Month SIBOR
Year 13-month SIBOR + 0.30%1-month SIBOR + 0.35%1-month SIBOR + 0.20%1-month SIBOR + 0.25%1-month SIBOR + 0.25%1-month SIBOR + 0.25%
Year 23-month SIBOR + 0.40%1-month SIBOR + 0.40%1-month SIBOR + 0.25%1-month SIBOR + 0.25%1-month SIBOR + 0.25%1-month SIBOR + 0.25%
Year 33-month SIBOR + 0.50%1-month SIBOR + 0.45%1-month SIBOR + 0.40%1-month SIBOR + 0.25%1-month SIBOR + 0.30%1-month SIBOR + 0.25%
Year 43-month SIBOR + 0.50%1-month SIBOR + 0.50%1-month SIBOR + 0.60%1-month SIBOR + 0.65%1-month SIBOR + 0.30%1-month SIBOR + 0.60%
Year 53-month SIBOR + 0.50%1-month SIBOR + 0.50%1-month SIBOR + 0.60%1-month SIBOR + 0.65%1-month SIBOR + 0.30%1-month SIBOR + 0.60%
Year 6 & Thereafter3-month SIBOR + 0.50%1-month SIBOR + 0.50%1-month SIBOR + 0.60%1-month SIBOR + 0.65%1-month SIBOR + 0.30%1-month SIBOR + 0.60%
Lock-In Period2 years1 year2 years2 years2 years2 years
Partial Redemption PenaltyNil (up to 50%)Nil (left $200K)Nil (left $200K)1.50%1.50%1.50%
Full Redemption Penalty1.50%1.50%1.50%1.50%1.50%1.50%
Legal Subsidy/RebateYes0.40% of loan0.40% of loanYesYes0.40% of loan
Subsidy Cap At$2,000$1,800$1,800$2,000$1,800$2,000
Min. Loan (for subsidy)$500,000$100,000$100,000$500,000$500,000$100,000
new purchase housing loannew purchase housing loannew purchase housing loannew purchase housing loannew purchase housing loannew purchase housing loan

 

We are mortgage brokers who work with all the banks in Singapore.  As we do not represent just one bank, we bring value by comparing all the banks’ packages in a meaningful way, saving you time and effort, by looking at :

    • Average interest in the first 3 years of the loan neatly sorted, comparing only one and the best loan from each bank
    • Loan restrictions eg. no of years of lock-in where there is prepayment penalty
    • Incentives eg legal fee subsidy and others
    • PlUS we walk through with you step-by-step how does TDSR, MSR, income-weighted age, and all the new rules impact your loan

 

Get this detailed Loan Comparison Report when you send in a request to us today (for competitive reasons we do not disclose the names of the banks on our website we do seek your understanding).

You do not need to pay us, better yet get rewarded with Tangs shopping vouchers on us!  Our professional mortgage broker will recommend the best package based on your financing requirements and get the banker to call you.  You can liaise directly with the bank (if you prefer) from our select panel of experienced and service-minded bankers.

Be it for getting an In-Principle Approval before you go shopping for your property, or for refinancing talk to us today for fixed rate or floating rateprivate property or HDB, completed or BUC (building-under-construction).

Call +62211089

We are operational 8AM to 10PM daily including weekends.

Or Compare Rates From All The Banks Here →

 

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FROM OUR BLOG

Call +62211089

We are operational 8AM to 10PM daily including weekends.

Or Compare Rates From All The Banks Here →

 

We Work With All The Major Banks In Singapore :

Singapore money market rates updated weekly based on rates published on ABS website every Mon :
18-Mar-20191M3M6M12M
SIBOR1.822581.946482.000752.15318
SOR1.841401.951521.97163
Banks in Singapore offering housing loans : DBS, UOB, OCBC, Citibank, Stanchart, ANZ, Maybank, CIMB, RHB, HSBC, Bank of China, Bank of East Asia, State Bank Of India, Hong Leong Finance, Singapura Finance