Refinancing Your Private Property Loan

Make the most of refinancing to enjoy potential savings on your home loan. Let us work with you to find the loan that best suits your needs.

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Why refinance with DBS?

  • search

    Wide Range of Home Loans to suit your needs

  • certified

    Transparent Rate pegged to SGD fixed deposit interest rate

  • earn

    Earn up to 2.08% p.a. on your savings with the DBS Multiplier Programme

Interest Rates

Floating Rate Package (FHR18)

Fixed Deposit Home Rate (FHR18) refers to the prevailing 18 months Singapore dollar fixed deposit interest rate of DBS Bank for amounts within $1,000 to $9,999 or such other sum as we may specify. The FHR18 is transparent and less volatile compared to market benchmark rate such as the SIBOR.

The current FHR18 is 0.60% p.a. The prevailing S$ fixed deposit rates can be found here.

Year 1:FHR18 + 1.35% p.a.
Year 2:FHR18 + 1.35% p.a.
Year 3:FHR18 + 1.35% p.a.
Thereafter:FHR18 + 1.80% p.a.

You can also consider these packages:

Fixed Rate

The complete assurance of a fixed rate for a number of years.


Year 1:1.88% p.a. Fixed
Year 2:1.88% p.a. Fixed
Year 3:1.88% p.a. Fixed
Thereafter:FHR18 + 1.20% p.a.

Floating Rate
Package (SIBOR)

Based on the Singapore Inter Bank Lending Rate (SIBOR), it offers transparency on rates.

Rates are pegged to the 3-month SIBOR rate. This rate may change every day and is published daily on ABS website.

Year 1:3-month SIBOR + 0.80% p.a.
Year 2:3-month SIBOR + 0.80% p.a.
Year 3:3-month SIBOR + 0.80% p.a.
Thereafter:3-month SIBOR + 1.25% p.a.
Check the latest SIBOR rates here.

Generate Funds with your Residential Property

Did you know you could use your property value to create extra funds for your personal or business use through a term loan?


Current property value S$1,000,000

Housing loan remaining S$200,000

Maximum Cash Out Up to S$600,000

(illustration is based on no CPF usage and only one mortgage loan)

Speak with us today to find out more.

5 Simple Steps to Greater Savings

Want to know more about refinancing your home loan? Speak to our
Home Advice Specialists today.

Some Handy Tips and Tools

Home Loan Interest Savings Calculator

Calculate your savings when switching to a DBS home loan.


Home Connect App

View past transacted prices instantly.

Learn more

Talk to our Home Advice


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