Why take a DBS Home Loan?

Lower than HDB

concessionary loan rates

Earn up to

3.00% p.a. on your savings with 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
  • Floating Package from 1.50% p.a.
  • 5-Year Fixed Package 1.80% p.a. for Refinancing
  • 5-Year Fixed Package 1.95% p.a. for New Purchase
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
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.

Receive a S$2,000 Cash Reward

When you refinance your home loan to us with a minimum loan amount of S$250,000.

Loan Amount Cash Reward
≥ S$250,000 S$2,000

Calculate your home loan savings and switch to DBS HDB Loan to get your interest savings today!

Click here for the wide range of attractive loan packages.

Apply Now

HDB Exclusive Packages

5-Year Fixed 1.80% p.a.

Applicable for Refinancing only

Year 1 to  Year 5

1.80% p.a.
Year 6 and thereafter FHR6 + 1.60% p.a.
Minimum loan amount S$200,000
Special feature Waiver of commitment fee due to sale of property

5-Year Fixed 1.95% p.a. with Mortgage Reducing Term Insurance^

Applicable for New Purchase only
Year 1 to Year 5 1.95% p.a.
Year 6 and thereafter FHR6 + 1.60% p.a.
Minimum loan amount S$200,000
Special feature 1 free conversion after 60 months
from the date of first disbursement,
so you can reprice your home loan at no cost.

^Promotional package is eligible with purchase of ManuProtect Decreasing, ManuProtect Term, TermProtect or eDecreasingTerm

Fixed Deposits Home Rate 6 (FHR6) refers to the prevailing 6 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. FHR6 is 0.200% p.a. currently.

Enjoy Higher Deposit Interest Rates with Multiplier Account

Unlock higher interest rates on your Multiplier account by taking up a home loan with DBS.

Click here to learn more about the DBS Multiplier account.

Unlock higher interest with DBS Home Loan

Multiply your savings in your DBS Multiplier account when you take up a DBS Home Loan.

Together with S$171 per month savings on your home loan, earn S$2,005* in deposit interest to gain a total of S$12,235 extra cash over 5 years.

Click here to learn more about the DBSMultiplier account.

The above infographic is for illustration purposes only. Prevailing interest rates apply

*interest earned is conservatively based on S$50,000 balance throughout the 5 years and excludes the effect of compounding of interest

Read articles pertaining to buying a new home

Demystifying home loans: Bank loans versus HDB loans

Discover the ins and outs of bank loans and HDB loans.

Learn more

For more Articles about home purchase, please click here.

Terms and Conditions

  1. Home loan rates are valid for completed residential properties in Singapore, for new purchase or refinancing from HDB.
  2. DBS will have the final decision on all matters regarding the promotion.
  3. DBS may change these terms or suspend/terminate the promotion without giving notice.

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