Home/Loans/Cash-out Loan

Unlock cash from your property

Access cash using your private property without having to sell your home
Turn your property into cash: Tap on your home equity for investments, business needs or major life milestones, while keeping ownership of your property. 
A separate loan linked to your property: Your cash-out loan is set up separately from your existing home loan, giving you more flexibility in how it is structured. 
Speak with our Home Advice Specialists: Need help deciding? Our friendly Home Advice Specialists can guide you through your financing options.
Unlock cash from your property
Unlock cash from your property
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Overview
Overview
Benefits
How it works
Resources

How a cash-out loan can help you

Use your private property to access cash, without having to sell your home.

Tap on your property’s equity

Borrow against your property’s value to access cash. 

Unlock liquidity with your property

Free up cash from your property for investments, business expenses or major life milestones.

Retain full property ownership

Get access to cash while keeping ownership of your property. 

Uses of a Cash-Out Loan

With DBS Cash-Out Loan, access cash from your private property for a wide range of needs or opportunities
Invest with flexibility
Free up capital for investments while keeping your existing assets intact.
Fund business opportunities
Access funds to start, grow or participate in a business venture.
Support major life plans
From overseas education to renovations, fund your goals without selling your home.

How it works

Access cash using your private property without selling your home.
1
Take up a cash-out term loanDepending on your property’s value and loan guidelines¹, you may be able to borrow against your home, whether you still have an existing home loan or your property is fully paid up.
1Loan amounts are subject to Loan-to-Value limits and Total Debt Servicing Ratio (TDSR) guidelines.
2
Receive the loan amount in one payoutOnce your loan is disbursed, the full loan amount will be paid to you in one payout.
3
Repay the loan monthly over your chosen repayment tenureRepay the loan monthly, with each instalment covering both the principal amount and interest.
Use our repayment calculator to estimate your monthly instalments and plan ahead before applying.

Illustrations: How a cash-out loan can work for you

These examples show how a cash-out loan may be structured in different property situations. They are for illustration purposes only and do not represent actual loan offers.
Subject to credit assessment and regulatory requirements.

Tools and resources

Monthly Instalment

Calculate your monthly instalment for your home loan.
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Mortgage Affordability

Calculate your maximum loan amount for your home loan.
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