Why refinance with DBS?

Lower interest rate than HDB

Concessionary loan rates

Earn additional savings

Earn up to 3.00% p.a on your savings with the DBS Multiplier
No minimum salary, no minimum credit card spend. Multiply your money today!

Renovation loan promotion

All HDB Home Loan customers enjoy 0% interest in your first year for Renovation Loan

 

Apply now


 

A Quick Comparison

  DBS HDB Loan HDB Concessionary Loan
Interest Rates 1.50% p.a. to 1.80% p.a. 2.6% p.a.
Prevailing CPF rate of 2.5% + 0.1% p.a.
Maximum Loan Amount
(For OTP dated 16 Dec 2021 and after)
Up to 75%
of purchase price or market value, whichever is lower
Up to 85%
of purchase price or market value, whichever is lower
Downpayment 25%
of purchase price or market value, whichever is lower
15%
of purchase price or market value, whichever is lower
CPF & Cash Upfront 20% CPF + minimum 5% cash payment 15% CPF + no minimum cash payment

Click here to find out how you can achieve greater savings on your HDB loan with DBS HDB Loan.

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!

 

Cash Rewards

Refinance with us and receive cash rewards of $2,000 with a minimum loan amount of S$250,000.

HDB

Loan amount

Cash Rewards

≥ S$250,000

$2,000

 

Interest Rates

Apply for a DBS Home Loan online, anytime, anywhere. Enjoy attractive fixed and floating rates today!

 

5 Simple Steps to More Savings

 

Some Handy Tips and Tools

Home Loan Repayment Calculator

Find out your detailed monthly repayment schedule and calculate your savings when you refinance your HDB Loan with us ​

Calculate

Home Loan Savings Calculator

Find out your potential home loan savings when you refinance your HDB loan with us

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.


You are
 
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
Your property type is
The purchase will be made:
Your current loan is:
You are looking to:


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