DBS Home Loan

DBS Mortgage offers DBS home loan packages for both HDBs and private properties. DBS home loan rates are pegged to the bank's fixed deposit interest rates, and are capped at 1.5% for a floating mortgage loan package, and 1.3% for a fixed interest loan package. DBS has mortgage and home loan calculators that you can use online for free.

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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!

DBS Private Property Home Loan

DBS offers fixed and floating home loan rates for private property. However, these rates only apply to residential properties in Singapore with a minimum loan amount of $100,000.

DBS Private Property Home Loan Rates

DBS 3 Year Fixed RateFixed1.50%3 years1 Free Conversion
DBS 2 Year Fixed RateFixed1.50%2 years1 Free Conversion
DBS FHR PackageFloating1.60%1 year

DBS Building Under Construction (BUC) Home Loan

If you plan to purchase a residential property under construction, DBS Home Loan offers a floating rate package without lock-in at 2.07%. This is computed based on FHR8 + 1.12% p.a.

You can use our Progressive Payment Calculator to find out how much you need to pay at each stage of construction.

DBS Building Under Construction Home Loan Rates

DBS FHR PackageFloating1.35%0 years2 Free Conversions
DBS FHR PackageFloating1.50%0 years1 Free Conversion

DBS HDB Home Loan

The enhanced HDB Home Loan has a 5-year fixed rate package. This means you’ll get to enjoy a fixed interest rate of 2.2% for 5 years. On top of that, you’ll be covered for sudden loss of income or unexpected events through DBS Home Payment Care.

DBS HDB Home Loan Rates

DBS Fixed Rate PackageFixed1.50%3 years
DBS Fixed Rate PackageFixed1.50%5 yearsLongest Fixed Rate Plan
DBS FHR PackageFloating1.60%1 year

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Documents Required for DBS Home Loan

  1. DBS application form
  2. NRIC
  3. Option to Purchase
  4. Proof of income
  5. HDB flat info & Financial info value confirmed by HDB

How to apply for your DBS Home Loan

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DBS Home Loan Application Process and Fees

  • Step 1Submit 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 2Compare 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 3Fees 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.

  • Vouchers

    Get up to S$500 Grad 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.

Why Get Your Home Loan Through Us?Why Get Your Home Loan Through Us?

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

Learn More

  • DBS Home Loan Singapore Review 2019 — Which Mortgage to Choose?

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

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

    Read More →

Frequently Asked Questions

How do I repay my DBS Home Loan?

You may use cash, CPF savings, or cash and CPF (if you have insufficient funds to cover the monthly instalments in full). Do note that if you decide to use your CPF, your acting lawyer must seek approval from the CPF Board first.

How do I calculate my DBS Home Loan monthly payment?

All you have to do is fill in your desired loan amount, interest rate and loan tenure in our Mortgage Calculator to find out how much you need to pay.

What happens if I pay my loan off early?

If you intend to pay off your loan early, you must give a 3-month notice. After which, your title deed will be given back to you upon discharge of your mortgage. Although, you may need to pay for penalties depending on the package you signed up for.

Can I get DBS Home Loan for an overseas property?

Yes, DBS offers overseas property financing for properties in London and Australia at competitive interest rates.

How to do DBS Home Loan partial repayment?

To make a partial repayment, you must submit a request 1 month in advance. You have the option to pay in cash or use your CPF savings.

Can I refinance my DBS home loan?

Yes, you may refinance your DBS Home Loan through us. We’ll help you find the most suitable home loan, so you can save on interest rates.