At a Glance

Earn up to 4.1% p.a. on your DBS Multiplier Account

With any quantum of DBS Home Loan.
The first 3 joint borrowers will earn higher interest on Multiplier when you do CPF and/or cash repayments for as long as you have a DBS Home Loan. Find out more


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Overview of Bank loan vs HDB loan

  DBS HDB Loan HDB Concessionary Loan
Maximum Loan Amount
(For OTP dated 30 Sep 2022 and after)
Up to 75%
of purchase price or market value, whichever is lower
Up to 80%
of purchase price or market value, whichever is lower
Downpayment 25%
of purchase price or market value, whichever is lower
of purchase price or market value, whichever is lower
CPF & Cash Upfront 20% CPF + minimum 5% cash payment 20% CPF + no minimum cash payment

Two-In-One Home Loan

Enjoy the flexibility to customise the loan to match your needs. Enjoy the best of both worlds by having part of your loan amount under a fixed rate package for a peace of mind, and also benefit from the interest rate of a floating rate package for the remaining loan amount.

Click here to learn more!


Interest Rates

Check out our attractive fixed and floating rates and apply for a DBS Home Loan online, anytime, anywhere today!


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

MyHome Planner​

Get detailed reports on your affordability and timeline of your cashflow for key home buying milestones


Home Loan Repayment Calculator

Figure out your monthly instalment.


Home Loan Savings Calculator

Lower your monthly instalment to save more



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

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Temporary Occupation Permit (TOP) Date refers to the time when construction is completed and a property is ready to be occupied.

Information on TOP date is available on HDB website
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The purchase will be made:
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