Planning to take up a new home loan or refinance your existing home loan to us? DBS offers attractive rates that are suited to your needs. Whether you are a first-time home buyer or seasoned homeowner, our Home Advice Specialists are here to help you with your home purchase and answer any questions you might have. 

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Alternatively, chat with our friendly Home Advice Specialist directly at 6333 0033 (and press ‘2’ for new loan enquiries). This service is available from 9am to 6pm on Mon to Fri, excluding Public Holidays.


Protect yourself from unpredictable interest rate changes with fixed rate packages. Fixed home loan rates are interest rates that remain constant throughout the term of the fixed rate period.

We offer a wide range of options from 2-year to 5-year fixed rate pricing packages.

This means that your monthly mortgage repayments during this fixed rate period will not change, providing you with predictability and stability in your housing expenses.


Move in sync with the market when you take up a floating rate package. Floating home loan rates can fluctuate over time based on market conditions. This means that your monthly mortgage repayments may go up or down, depending on changes in the reference rate to which your loan is tied to.

Floating rates offer flexibility and the possibility of saving money if interest rates decrease. It's important to assess your risk tolerance and financial situation before choosing a home loan package to ensure it aligns with your financial goals.


For purchase of all residential properties
Prime Rate
Floating Rate Package

No Lock-in

Up to 6 months 4.25% p.a.

No lock-in period. This is based on the DBS Prime Rate which is currently at 4.25% per annum.


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 of a floating rate package for the remaining loan amount.


Fixed Rate Package

Exclusive 3M SORA
+ 0.75% package
with 2-Year Lock-in

Option A

30% of loan amount

70% of loan amount

Option B

40% of loan amount

60% of loan amount

Option C

50% of loan amount

50% of loan amount

New Options to Choose From

Option D

60% of loan amount

40% of loan amount

Option E

70% of loan amount

30% of loan amount

For the portion of loan under fixed rates, choose either a 2, 3, 4 or 5-Year Fixed Rate Package. The portion of loan under floating rates will be as such:

2-Year Lock-in 3M SORA + 0.75% p.a.

Year 1 to Year 2

3M SORA + 0.75% p.a. 

Year 3 and thereafter

3M SORA + 0.75% p.a. 

Commitment period

2 Years

Minimum loan amount


3M SORA refers to the 3-Month Compounded Singapore Overnight Rate Average (SORA) that is published on MAS website at 1 Feb 2024, it is 3.655% p.a. Find out more on 3M SORA.

The blended interest rate may change as the portion of loan under the floating rate package is subject to interest rate fluctuations.



For other fees and charges that may be applicable, please refer here.

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