Why take a DBS Home Loan?

Lower than HDB

concessionary loan rates

Transparent Rate

pegged to SGD fixed deposit interest rates

Earn up to

3.5% p.a. on your savings with DBS Multiplier
No minimum salary, no minimum credit card spend. Multiply your money today!

Apply now

 

A Quick Comparison

  DBS HDB Loan HDB Concessionary Loan
Interest Rates FHR8 + 1.45% p.a. 2.6% p.a.
Prevailing CPF rate of 2.5% + 0.1% p.a.
Maximum Loan Amount
(For OTP dated 6 July 2018 and after)
Up to 75%
of purchase price or market value, whichever is lower
Up to 90%
of purchase price or market value, whichever is lower
Downpayment 25%
of purchase price or market value, whichever is lower
10%
of purchase price or market value, whichever is lower
CPF & Cash Upfront 20% CPF + minimum 5% cash payment 10% CPF + no minimum cash payment

*Fixed Deposit Home Rate 8 (FHR8) refers to the prevailing 8 months Singapore dollar fixed deposit interest rate of DBS Bank for amounts within S$1,000 to S$9,999 or such other sum as we may specify. The FHR8 is transparent and less volatile compared to market benchmark rate such as the SIBOR.

The current FHR8 is 0.20% p.a. The prevailing S$ fixed deposit rates can be found here

 

Interest Rates

DBS HDB Loan

Apply for a DBS Home Loan online, anytime, anywhere. Enjoy this new experience and you could receive S$500 Singapore Airlines travel vouchers. Also, stand a chance to be one of the 50 lucky winners to win an additional S$50 CapitaVouchers! Valid for completed residential properties in Singapore with minimum loan amount of S$500,000.

Year 1: Year 2: Year 3:
FHR8 + 1.45% p.a. FHR8 + 1.45% p.a. FHR8 + 1.45% p.a.
Year 4: Year 5: Thereafter:
FHR8 + 1.45% p.a. FHR8 + 1.45% p.a. FHR8 + 1.45% p.a.

Learn more

To view other home loan packages available, click here.


Benefits of DBS HDB Loan

  • Transparent benchmark pegged to SGD fixed deposit interest rate

    Enjoy transparency and stability with Fixed Deposit Home Rate 8 (FHR8) pegged to prevailing 8 months Singapore Dollar fixed deposit interest rate of DBS Bank.

    1. Transparency: Rates are pegged to a publicly known benchmark.
    2. Stability: Movement in the fixed deposit interest rate tends to be less volatile compared to market benchmark rate such as the SIBOR or SOR.
 

5 Simple Steps to your Dream Home

 

Download our detailed step-by-step guide to getting your dream home.

Download PDF Resale Flat
Download PDF BTO Flat
 

Some Handy Tips and Tools

Mortgage Affordability Calculator

Find the maximum home loan amount you can borrow.

Calculate

Home Loan Interest Savings Calculator

Compare a DBS HDB Loan with a HDB Concessionary Loan.

Calculate

 

How to apply

This will take about 10 minutes. Click here for a list of documents you will need. If you do not have all the documents, you could always upload them later.

This will take about 10 minutes. Click here for a list of documents you will need. If you do not have all the documents, you could always upload them later.



If you have an existing DBS/POSB account, you will need the last 4 digits of your ATM/Debit Card and PIN before you begin.


If you wish to review your existing home loan with us, please click here.


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