Why take up a DBS HDB Loan?

Greater savings

Save about S$200 monthly when you switch to POSB HDB Loan.

Earn about an additional S$400 interest annually

When you have both a Multiplier Account and a DBS home loan

All-in 1% p.a. package with 3-Year Lock-in and Cap Feature

Check out our newly launched floating package and get to enjoy home loan rates from 1.00% p.a. in the first year, capped at 1.60% for the first three years.

Click here to learn more!

Max Savers Package

5-Year Lock-in (With protection against interest rate hike)

For new purchase / Refinance of property 5-Year Lock-in
Year 1 FHR6 + 0.80% p.a.
(Capped at 2.00% p.a)
Year 2 to Year 5 FHR6 + 1.00% p.a.
(Capped at 2.00% p.a)
Year 6 and thereafter FHR6 + 1.00% p.a.

This package is valid with a minimum loan amount of S$100,000 and comes with the following feature(s):

  • Interest rate cap at 2.00% in the 1st five years- Protecting you from future rate increase for a greater peace of mind.
  • Waiver of commitment fee due to sale of property- giving you the flexibility to sell your property without the worry of commitment fees.
  • Waiver of prepayment fee(s)- giving you the flexibility to partial prepay your loan without the worry of prepayment fees

Super Savers Package

HDB Exclusive 5-Year Fixed at 1.48% p.a

For new purchase / Refinance of property 5-Year Lock-in
Year 1 to Year 5 1.48% p.a.
Year 6 and thereafter FHR6 + 1.60% p.a.

This package is valid with a minimum loan amount of S$200,000 and comes with the following feature(s):

  • 1 FREE conversion after 60 months from the date of 1st disbursement- giving you the option to reprice your home loan at no cost.

5-Year Fixed-Flexi 1.68%

For new purchase / Refinance of property 5-Year Lock-in
Year 1 to Year 5 1.68% p.a.
Year 6 and thereafter FHR6 + 1.60% p.a.

This package is valid with a minimum loan amount of S$100,000 and comes with the following feature(s):

  • 1 FREE conversion after 30 months from the date of 1st disbursement- giving you the option to reprice your home loan at no cost.
  • Waiver of commitment fee due to sale of property- giving you the flexibility to sell your property without the worry of commitment fees.
  • Waiver of prepayment fee(s)-giving you the flexibility to partial prepay your loan without the worry of prepayment fees

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.

Here is an illustration:
John has a HDB Loan of S$300,000 with a 20-year loan period. His estimated monthly instalment is S$1,605.

If John signs up for the 5-Year fixed package from DBS, his estimated monthly instalment will only be S$1,445. This means that John has additional savings of approximately S$160 every month.

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


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.

*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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