Why refinance with DBS?

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 the DBS Multiplier
No minimum salary, no minimum credit card spend. Multiply your money today!

Apply now
 

Interest Rates

DBS HDB Loan

Enjoy both a peace of mind and rates that are lower than the HDB Concessionary Loan (currently at 2.60% p.a.), as it is capped at 2.50% (prevailing CPF Ordinary Account rate) for the first 5 years.

Year 1:Year 2:Year 3:
FHR8 + 1.60% p.a. FHR8 + 1.60% p.a. FHR8 + 1.60% p.a.
Year 4:Year 5:Thereafter:
FHR8 + 1.60% p.a. FHR8 + 1.60% p.a. FHR8 + 1.60% p.a.

Learn more

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.
  • Other Packages

    Fixed Rate PackageFixed Rate Package
    For Year 3, you have the option of switching to a floating rate package. The complete assurance of a fixed rate for a number of years.
    Year 1:Year 1:
    1.85% p.a. Fixed 1.85% p.a. Fixed
    Year 2:Year 2:
    1.85% p.a. Fixed 1.85% p.a. Fixed
    Year 3:Thereafter:
    1.95% p.a. Fixed / FHR8 + 1.75% p.a. FHR8 + 1.85% p.a.
    Thereafter:
    FHR8 + 1.75% p.a.

For fees and charges, please click here.

 

5 Simple Steps to More Savings

 

Some Handy Tips and Tools

Home Loan Repayment Calculator

Figure out your monthly instalment.

Calculate

Home Loan Interest Savings Calculator

Calculate your savings when you refinance your HDB Loan with DBS.

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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