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Low rates for Christmas
From as low as 1.20% p.a. on your DBS Home Loan
Enjoy attractive rates when you apply for a DBS Home Loan online anytime, anywhere.
If you are refinancing, receive cash rebates of up to S$2,800.
Christmas Special!
To celebrate this season of giving, take up a home loan or refinance with DBS to enjoy attractive home loan interest rate as low as 1.20% p.a. from 23 November till 31 December 2020. T&Cs apply.| Packages: | Year 1: | Year 2: | Thereafter | Minimum loan amount |
|---|---|---|---|---|
| 2 Year Fixed 1.20% p.a. | 1.20% p.a. | 1.20% p.a. | FHR24 + 0.90% p.a. | S$500,000 |
| 2 Year Fixed 1.28% p.a. | 1.28% p.a. | 1.28% p.a. | FHR24 + 0.90% p.a. | S$250,000 |
This package comes with:
- 1 FREE conversion after 24 months from 1st disbursement- Giving you the option to reprice your home at no cost.
Private Properties
1. Home loan rates
2 Year Fixed Rate Package
This package is valid with a minimum loan amount of S$100,000.
| Year 1: | Year 2: | Thereafter: |
|---|---|---|
| 1.50% p.a. | 1.50% p.a. | FHR24 + 0.90% p.a. |
This package comes with;
- 1 FREE conversion after 24 months from 1st disbursement - Giving you the option to reprice your home loan at no cost.
3 Year Fixed-Flexi Package
This package is valid with minimum loan amount of S$100,000.
| Year 1: | Year 2: | Year 3: |
|---|---|---|
| 1.50% p.a. | 1.50% p.a. | 1.50% p.a. |
| Thereafter |
|---|
| FHR24 + 0.90% p.a. |
This package comes with additional features;
- 1 FREE conversion after 18 months from 1st disbursement - Giving you the option to reprice your home loan at no cost.
- Waiver of commitment fee if you are selling your property during lock-in period - Allowing you to worry less about additional cost when you are selling your property.
5 Year Fixed-Flexi Rate Package
This package is valid with minimum loan amount of S$100,000.
| Year 1: | Year 2: | Year 3: |
|---|---|---|
| 1.50% p.a. | 1.50% p.a. | 1.50% p.a. |
| Year 4: | Year 5: | Thereafter: |
| 1.50% p.a. | 1.50% p.a. | FHR24 + 0.90% p.a. |
This package comes with additional features;
- 1 FREE conversion after 30 months from 1st disbursement - Giving you the option to reprice your home loan at no cost.
- No prepayment penalty fee - Giving you the flexibility to paydown part of the housing loan during the lock-in period.
- Waiver of commitment fee if you are selling your property during lock-in period - Allowing you to worry less about additional cost when you are selling your property.
FHR24 refers to DBS Bank’s prevailing 24 months Singapore Dollar fixed deposit rate for amounts between S$1,000 and S$9,999 or such other sum as we may specify. It is currently 0.900% p.a.
To view other home loan packages available, click here.
2. Cash rebates you could enjoy when you refinance your home loan
| Loan Amount | Cash Rebate |
|---|---|
| S$500,000 to <S$1,000,000 | S$2,000 |
| S$1,000,000 to <S$1,500,000 | S$2,500 |
| >=S$1,500,000 | S$2,800 |
HDB Flats
1. Home loan rates
2 Year Fixed Rate Package
This package is valid with a minimum loan amount of S$100,000.
| Year 1: | Year 2: | Thereafter: |
|---|---|---|
| 1.50% p.a. | 1.50% p.a. | FHR24 + 0.90% p.a. |
This package comes with;
- 1 FREE conversion after 24 months from 1st disbursement - Giving you the option to reprice your home loan at no cost.
3 Year Fixed-Flexi Package
This package is valid with minimum loan amount of S$100,000.
| Year 1: | Year 2: | Year 3: |
|---|---|---|
| 1.50% p.a. | 1.50% p.a. | 1.50% p.a. |
| Thereafter: |
|---|
| FHR24 + 0.90% p.a. |
This package comes with additional features;
- 1 FREE conversion after 18 months from 1st disbursement . Giving you the option to reprice your home loan at no cost.
- Waiver of commitment fee if you are selling your property during lock-in period - Allowing you to worry less about additional cost when you are selling your property.
5 Year Fixed-Flexi Rate Package
This package is valid with minimum loan amount of S$100,000.
| Year 1: | Year 2: | Year 3: |
|---|---|---|
| 1.50% p.a. | 1.50% p.a. | 1.50% p.a. |
| Year 4: | Year 5: | Thereafter: |
| 1.50% p.a. | 1.50% p.a. | FHR24 + 0.90% p.a. |
This package comes with additional features;
- 1 FREE conversion after 30 months from 1st disbursement - Giving you the option to reprice your home loan at no cost.
- No prepayment penalty fee - giving you the flexibility to paydown part of the housing loan during the lock-in period.
- Waiver of commitment fee if you are selling your property during lock-in period - allowing you to worry less about additional cost when you are selling your property.
FHR24 refers to DBS Bank’s prevailing 24 months Singapore Dollar fixed deposit rate for amounts between S$1,000 and S$9,999 or such other sum as we may specify. It is currently 0.900% p.a.
To view other home loan packages available, click here.
2. Cash rebates you could enjoy when you refinance your home loan
| Loan Amount | Cash Rebate |
|---|---|
| >= S$250,000 | S$2,000 |
3. Protection against sudden loss of income and personal accident
A home loan requires monthly repayment, and you could lose your repayment ability during a sudden loss of income or an unfortunate event.
With POSB HDB Loan, you enjoy Home Payment Care which helps you pay for your home loan repayments and receive other pay out as follows:
| Event | Benefit Amount |
|---|---|
| Involuntary Loss of Employment | Up to 3 monthly home loan repayments, capped at S$2,500 per month Continuously unemployed for at least 60 calendar days. No claim within the first 30 calendar days of loan disbursement. |
| Accidental Death Benefit | Up to S$30,000 |
| Accidental Permanent Disability Benefit | Up to S$30,000 |
Specially arranged with Chubb Insurance Singapore Limited, Home Payment Care provides you with 6-month coverage for a new purchase or refinance of a completed HDB flat. Click here for product information.
For fees and charges, please click here.
Terms and Conditions
- Special home loan rates are valid for completed residential properties in Singapore, for new purchase or refinancing from another bank/HDB.
- Special home loan rates are valid for applications with a minimum loan amount of S$100,000 for both HDB flats and private properties, unless otherwise stated.
- This is only valid for direct online applications without third party referrals
- Home Payment Care is underwritten by Chubb Insurance Singapore Limited (“Chubb”) and distributed by DBS Bank Ltd. It is not an obligation of, deposit in or guaranteed by DBS. This is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the product summary and will be sent to you by Chubb upon first release of your housing loan by DBS.
The coverage is effective from the date of first release of your housing loan and terminates automatically at the end of the 6-month period.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). For more information on the scheme, please visit the General Insurance Association or SDIC websites. - DBS will have the final decision on all matters regarding the promotion.
- DBS may change these terms or suspend/terminate the promotion without giving notice.
- You consent to DBS’ collection and use of your personal data and the use and disclosure of your personal data by/to third parties for the purpose of the promotion. You agree to the terms of the DBS Privacy Policy, a copy which can be found at www.dbs.com/privacy
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