Understanding Your Loan Repayments

Monthly Repayments

go towards paying down the principal and interest. They are payable from your loan servicing account on:

1ST of every month for private properties 15TH of every month for HDB flats

If the due date falls on a Sunday or gazetted public holiday, the instalment debiting will be made on the next working day.

Using your CPF for Loan Repayments

Revise your monthly repayment amount by applying at CPF website with your SingPass.

  • Private Property
    By 20th of the month for deduction in the following month
  • HDB
    7 working days prior to the deduction on 10th - 13th of the month.

Changing your Loan Servicing Account
Complete the Loan Servicing Account Authorisation form and mail it to us.

Partial Repayment

is an ad-hoc repayment to reduce the principal outstanding balance of your loan by giving us one month's notice in advance. You can use cash or CPF, if you have the approval of the CPF Board. Prepayment charges and/or clawback of fees will apply if the partial repayment is made within the commitment period.

For all home loans
Minimum partial repayment amount of S$10,000 and in increments of S$1,000.

To make a partial repayment, submit your request online.

Other Requests

If you wish to review other terms of your loan, download and complete the request forms based on your property type.
Owner Occupied (Housing loan only)
Investment/Owner Occupied with Cash Out

Email the completed form with the relevant supporting documents to


Reprice Your Loan

Step 1: Choose a new package which suits your needs

Fixed Rate PackageFloating Rate Package
Year 1:
1.65% p.a.
Year 1:
FHR8 + 1.45% p.a.
(currently all-in 1.65% p.a.)
Year 2:
1.65% p.a.
Year 2:
FHR8 + 1.45% p.a.
Year 3:
FHR8 + 1.65% p.a.
Year 3:
FHR8 + 1.45% p.a.
FHR8 + 1.65% p.a.
FHR8 + 1.45% p.a.
Commitment Period: 2 Years Commitment Period: 2 Years
The current Fixed Deposit Home Rate 8 (FHR8) is 0.200% p.a.
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. Rates are quoted on per annum basis and are subject to change without prior notice.
*You may wish to check if your loan has passed the lock-in period
*A repricing fee applies based on the terms of your current loan

For fees and charges, please click here.

Step 2: Provide your details

Reprice now
And we will be in touch with you soon!

Repricing Calculator

Find out how much you could save if you reprice.



Redeem Your Loan

Selling your property or paying off your mortgage? Here's a guide to help you redeem your home loan.

  1. Selling your property
    We hope you had a good experience with DBS Home Advice. Please appoint a law firm to handle the sale, and to serve the bank 3 months' notice to redeem your loan.

  2. Paying off your mortgage
    Have you considered harnessing the potential of your liquidity for maximum returns? Instead of paying off your mortgage, you may want to invest your funds in other DBS products that could earn you higher returns. Leave your contact details here and our Relationship Manager will get in touch with you soon.

    Nevertheless, if you would like to proceed to pay off your loan, follow these steps:

    Step 1:
    Complete and submit this form 3 months before the intended redemption.

    Step 2:
    Appoint a law firm to discharge this mortgage. The title deed will be returned to you.

  3. Shifting to another bank Get in touch with us here for an in-depth analysis of your mortgage and we'll propose what's best for you.

Rates & Fees

  1. View latest SIBOR Rates
  2. Fixed Deposit Home Rate (FHR)
    The Fixed Deposit Home Rate is calculated based on the prevailing fixed deposit interest rate of DBS Bank for amounts as stated in the Letter Of Offer. The prevailing S$ fixed deposit rates can be found here.
  3. Home Loan Fee Schedule
    Change in loan tenure $250
    Safekeeping of title deed for facility that has been fully repaid $300 per year
    Request for Statements (per statement)
    Current year
    Previous 2 years
    More than 3 years
    Administrative fee for use of third-party insurer for property insurance $100 per year

Contact Us

Contact Me Talk to our Home Advice Specialist

Call us at 6333 0033

Monday to Friday 9am to 5pm
Saturday 9am to 12.30pm