Bank of China Home Loan

Bank of China offers 2 types of mortgage loans in Singapore, namely the housing loan for a property you are purchasing to live or invest in, and a mortgage term loan (aka cash out refinancing, or home equity loan). Interest rates are pegged to the SIBOR, which stays fixed for your lock-in years. Bank of China (BOC) promises no sudden rate adjustments during your lock-in period.

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Compare All Singapore Home Loans & Apply Online

Get up to $500 worth of Grab Food/Ride vouchers when you apply for your home loan through MoneySmart!

BOC Private Property Home Loan Rates

BOC 3M SIBORFloating1.39%2 years
BOC 2yrs FixedFixed1.75%2 years

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How to apply for your BOC Home Loan

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BOC Home Loan Application Process and Fees

Step 1

Submit your documents through us

Before you get too excited about getting your own home, make sure that your documents are complete and correct. Then leave everything to us and we’ll get the ball rolling.

Step 2

Compare and be informed

Sit back, relax and compare. We’ll give you a comprehensive list of home loan packages that you can choose from. Our team of Mortgage Specialists will advise you on the next steps upon receiving the Letter of Offer from the bank.

Step 3

Fees and charges

If you decide to cancel the loan after signing the Letter of Offer, you’ll be required to pay 0.75% of the undisbursed loan amount.

Why Get Your Home Loan Through Us?

Simple, fast, convenient

Leave your home loan research to us and we’ll break it down for you in simple terms. Our Mortgage Specialist will contact you directly so you can save time for other important things in life.

Get better deals

Feeling so spoilt for choice you can't decide? Settling for the first option is like being forced to marry the first person you come across on a dating app. Don’t feel pressured. We compare across all banks in Singapore to ensure that you get the best deals.

It's free!

Our service to you is free. But, of course we’re not doing this for charity! All banks pay us a standard referral fee for our services and our awesome job done. We don’t take sides or give biased advice.


Get up to S$500 Grab Food/Ride Vouchers when you apply for your Home Loan through us. After you apply for a loan, we will send you an email with detailed instructions on how to claim your vouchers.

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Receive up to $500 worth of vouchers when youapply for a home loan with us!

Learn More

BOC Home Loan Singapore Review 2019 – Which Mortgage to Choose from BOC

Best Home Loans in Singapore (2020) — How to Pick the Best Mortgage for Your Property

How to Refinance Your Home Loan in Singapore & Save Money on Your Mortgage